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Self-Insuring Your Florida Keys Home: Smart Move or Stress-Inducing Science Experiment?
Insurance is one of the biggest expenses of owning a home in the Florida Keys. Because of that, more cash buyers are asking the million-dollar question:
“If I don’t have a mortgage, can I just skip homeowners insurance and save a ton of money?”
Technically, yes.
Should you?
Well… let’s talk before you try to “DIY” something usually handled by entire companies with legal departments.
What Does Self-Insuring Actually Mean?
Self-insuring simply means you pay for your own disasters.
You skip the insurance premium, pocket the cash, and if something goes wrong… congratulations, you are now also the claims department.
It’s a bold approach, like deciding you don’t need a seatbelt because you’re a really good driver.
The Possible Pros (AKA the Tempting Side of the Story)
1. More Buying Power
Without a big insurance bill, you may afford a nicer home. Maybe a canal-front place. Maybe one with a kitchen that doesn’t need “vision.”
It feels good. I get it.
2. No More Insurance Company Shenanigans
No random inspections. No “We’re not renewing your policy” letters.
No surprise rate increases that make you question your life choices.
3. You Keep the Savings—If the Universe Cooperates
If nothing bad happens, you keep all that premium money.
You might even feel like you outsmarted the system… until life reminds you it also has a sense of humor.
The Cons (AKA Why Insurance Companies Exist in the First Place)
1. One Storm Can Wipe Out Years of Savings
This is the part no one wants to think about.
A hurricane, a fire, or a leaking pipe that behaves like Old Faithful can rack up six-figure repair bills.
If you’re self-insuring, that bill goes to you—no pleading, no adjuster, no mercy.
2. You Pay for Repairs AND Your Temporary Crash Pad
If your home becomes unlivable, insurance usually pays for hotels or rentals.
Self-insuring means you pay for the repairs and the months of living somewhere else while waiting for contractors who are “running a little behind.”
3. Resale Gets Interesting
Buyers often want a clean repair history.
If you fixed storm damage yourself, there’s no claim record. Some future buyers may raise an eyebrow… and not the fun “I’m impressed” kind.
4. It Requires a Serious Cash Cushion
Self-insurance only works if you keep a large pile of money set aside.
We’re talking a “do not touch unless your roof is on the ground” type of fund.
If you’re tempted to dip into it for a fishing boat upgrade, self-insuring might not be ideal.
5. Some Communities Still Require Coverage
Nationwide may be on your side, but some HOAs and condo associations definitely are not.
They may require wind or flood insurance whether you like it or not.
6. Peace of Mind Isn’t Free
Insurance is expensive, but so is worry.
Ask anyone who has self-insured through hurricane season how they slept. Spoiler: not well.
A Possible Middle Ground
If you like savings but don’t want your blood pressure to spike every storm season, consider:
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A high-deductible policy
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Flood insurance only
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Windstorm insurance only
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Or any combo that protects you from the “big stuff”
These options lower premiums without leaving you totally exposed.
So… Is Self-Insuring a Brilliant Hack or a Financial Horror Movie?
It depends on your risk tolerance, your cash reserves, and your ability to stay calm when the wind picks up.
Self-insuring can give you more buying power today, but it can also hand you a very expensive surprise later.
The main takeaway:
👉 Self-insuring isn’t a bargain. It’s a gamble. Make sure you’re comfortable with the stakes before you roll the dice.
Monday Market Update – Here comes Season!
The tides weren’t the only thing shifting — the market made a real move this week.
Activity picked up, and new listings rolled in fast as we head into our busy season.
📈 New Listings Making Waves
We saw 85 new homes hit the market this week — a big jump that gives buyers more to choose from. Prices ranged from $175,000 for a timeshare portion in a single-family home to an impressive $19,750,000 estate.
👉 Browse all the new listings here:
🏡 Sold This Week
A total of 33 homes sold, showing that buyers are still out there and ready to make moves. Sales ranged from $315,000 to $9.3M for a home in exclusive Ocean Reef.
🌞 The Takeaway
More listings, steady sales, and rising interest as we enter season — it’s shaping up to be a great time for both buyers and sellers. If you’ve been waiting for the market to wake up, this may be your moment.
First Class Fridays: The Ultimate “Holiday Shopping List” for the Person Who Has Everything
Happy Friday and welcome to First Class Fridays!
Since it’s the season of giving, I thought we’d take a fun look at the Top Ten Highest-Priced Listings currently on the market — the real estate equivalent of flipping through a luxury holiday catalog.
If you’ve ever wondered what to buy for the person who already owns everything (and I mean everything), consider this your guide. Because when someone already has a private chef, a custom golf cart, and a dog that eats better than most humans… well, maybe a multi-million-dollar waterfront estate is the only gift left that will surprise them.
These top-tier properties deliver the kind of features that make holiday shopping feel downright joyful: sweeping ocean views, private docks, resort-style pools, and enough space for every relative — even the ones who only show up for the free food.
🌟 Spotlight Gift: Coccoloba — The Showstopper
Among this week’s Top Ten, one listing deserves its own shiny bow: Coccoloba, a true once-in-a-lifetime estate that feels more like your own private resort than a home.
Nestled on over five acres of pristine oceanfront, Coccoloba brings together award-winning architecture, botanical artistry, and rare privacy. Designed by Siskind Architects with gardens crafted by Raymond Jungles — winner of Florida’s ASLA Garden of the Year — this estate blends luxury with nature in a way few properties anywhere can match.
You’ll find:
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Nearly 11,000 sq ft of bespoke air-conditioned interiors
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Verandas and outdoor living bringing the total to almost 18,000 sq ft
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Oasis pool, grotto, swim-jet therapy, and beach entry
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Protected boat basin, two lifts, 450-ft dock, and private beach
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Helipad-ready peninsula lounge and tiki bar
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Collector’s A/C garage
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Elevated summer kitchen with pizza oven and push-button TV
It’s a masterpiece made for collectors, entertainers, and anyone shopping for a gift that says, “I really, really like you.”
But let’s get back to the rest of the list — because even the “runner-up gifts” this week are spectacular in their own right.
🏝 The Holiday Top Ten: Luxury Listings Worth Unwrapping
While Coccoloba steals the spotlight, the remaining top ten listings bring their own jaw-dropping amenities. Think private islands, modern architectural gems, deep-water docks, sky-high ceilings, chef’s kitchens, and living spaces designed for complete relaxation.
Each home on this list offers:
✔ Elevated coastal living
✔ Premier Florida Keys locations
✔ Resort-level outdoor areas
✔ Distinctive features that make them unforgettable
Whether you’re dreaming, browsing, or truly shopping for someone special this season, these listings deliver inspiration and wonder.
🎄 A Holiday Wish Book for Grown-Ups
So pour yourself some cocoa (or something a little stronger), settle in, and explore the finest homes the market has to offer right now. The holidays are all about joy — and nothing sparks joy like a little luxury home browsing.
And hey… if you did decide to gift someone a multi-million-dollar home, I promise not to tell them it was my idea.
Click here to start dreaming of the perfect gift
Hemingway’s Six-Toed Cats: The Quirky Heart of a Key West Sanctuary
In the middle of Key West’s lively bars and music, there’s a place that feels calm, cool, and almost timeless. It’s the Ernest Hemingway Home & Museum, a quiet island of shade and stories. Many visitors come for Hemingway’s writing history. Most stay, though, for the cats — especially the ones with six toes.
A Peaceful Place with a Wild Past
Hemingway moved into the Spanish Colonial house in the 1930s. It sits on one of the highest points in Key West, which surprises a lot of people. The home is bright, airy, and full of the author’s old treasures. Even with tourists walking through, the place feels relaxed. The gardens, the palms, and the cats all seem to know this house was made for slow afternoons.
The Famous Six-Toed Cats
Most people hear about the cats before they ever visit. Today, around 60 felines live on the property. Many of them have an extra toe, thanks to Snowball, a white polydactyl cat a sea captain gave to Hemingway. The trait stayed in the family line, so you’ll see big paws everywhere — napping on porches, posing on benches, and ruling the yard like they own it.
The staff cares for each cat like a tiny VIP. Every cat has a name, from Audrey Hepburn to Harry Truman. And yes, every single one is allowed to wander the grounds exactly as it pleases.
The Legendary Pool
Behind the house sits the famous swimming pool, and it comes with a story only Key West could pull off. Built in 1938, it cost $20,000 — an eye-popping amount at the time. Hemingway once joked that it cost him his last cent, and he pressed a penny into the still-wet cement. You can still see it there today.
The pool glows bright blue in the Florida sun, and it adds to the calm feel of the property. Even with crowds, it feels like a quiet escape from the busier parts of Old Town.
Why the House Still Matters
The Hemingway Home isn’t only a museum. It’s a look into island life in the 1930s. It’s a place where history is alive, where cats have personalities, and where visitors slow down for a moment before heading back into the bustle of Duval Street.
If you love Key West’s mix of charm, humor, and odd little surprises, this spot brings all of it together.
Fun Fact: The cats wander the grounds with complete freedom, but the museum keeps exact records of every pawed resident — family trees and all!
Seven Palms Cove: Luxury Living Returns to Summerland Key (And So Do a Few Memories!)
Every once in a while, a new development pops up in the Florida Keys that makes you stop, stare, and say, “Well… that’s going to be something special.”
Seven Palms Cove on Summerland Key is exactly that.
Maybe I’m a little sentimental, but this one hits close to home—literally. Years ago, I lived on Summerland Key, and my family used to keep a little Hobie Cat at this exact spot. We’d launch it right where this new high-end community is now taking shape. Back then, the land was humble and quiet, with just the sound of the breeze and the excitement of getting out on the water. Today, it’s transforming into something extraordinary—an enclave that blends the same peaceful island spirit with modern luxury.
A Private Slice of Island Luxury
Seven Palms Cove is redefining upscale coastal living in the Lower Keys. With only seven oceanfront residences, this gated community offers true exclusivity—homes start at $4 million and come loaded with features that make every day feel like a world-class vacation.
Each home includes:
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4,000+ sq. ft. of living space
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5 bedrooms and 5.5 bathrooms
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Soaring 10′ ceilings
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Impact glass and bright open-concept interiors
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A chef’s kitchen with premium appliances, quartz countertops, pantry, and a large island worthy of hosting big family dinners or casual sunset cocktails
Step outside and the Keys lifestyle unfolds effortlessly. Each home features multiple verandas and balconies, plus a rooftop observation deck perfect for catching sunrise coffee and sunset champagne. You also get your own sparkling infinity pool and spacious deck with seamless access to the water—this is indoor-outdoor living at its finest.
Built for Boaters and Adventure-Lovers
This is Summerland Key, after all—which means water access matters.
Each residence comes with its own assigned dock space in a private boat basin featuring new composite docks, freshwater and electric hook-ups, and even a fillet station (for those who know the joy of cleaning tonight’s dinner with the ocean breeze on your back).
Add in Tesla Solar, an elevator, and generous storage, and Seven Palms Cove nails the sweet spot between luxury and practicality.
And if you love staying active, the community amenities include a sport court for tennis, pickleball, and basketball, plus oceanfront lounge spaces, hammocks, and easy access for paddleboarding and kayaking.
Unmatched Accessibility (Yes, Even in the Keys!)
Seven Palms Cove is just one block from Summerland Key’s private airport, making it one of the most accessible luxury communities in the island chain. For snowbirds, jetsetters, or friends who “just want to pop down for the weekend,” it doesn’t get more convenient.
A Strong Investment Opportunity
There are no rental restrictions, which is rare for a community of this caliber. Nearby luxury homes in this area are generating over $300,000 annually, making Seven Palms Cove a standout opportunity for investors or those looking for a high-end vacation home that can help pay for itself.
Why Seven Palms Cove Matters
For me, seeing this property developed feels like watching a favorite childhood shoreline grow up—same stunning ocean, same salty breezes, but now dressed in a new level of elegance. It’s exciting to see Summerland Key shine with a community that blends exclusivity, comfort, and modern design while still honoring the laid-back Keys spirit.
Whether you’re dreaming of a forever home, a luxury retreat near Key West, or an investment with serious potential, Seven Palms Cove is a rare gem—and one worth keeping on your radar.
If you’d like pricing, floor plans, or a private look at this unique development, I’m always here to help. After all… I’ve known this shoreline for a long time.
Listing information provided by Stephanie Muzzillo of Serhant Florida LLC
The Truth About Downstairs Living in the Florida Keys (And Why It’s Not Always What You Think!)
If you’ve spent any time house-hunting in the Florida Keys, you’ve probably noticed something right away: we love our downstairs spaces.
Porches, storage rooms, workshops, little bonus areas — you name it, we’ve built it. And because our islands are full of homes on stilts, the downstairs level often looks like the perfect spot for a guest suite, an office, or maybe even a rental.
But here’s the twist.
Not every downstairs space is legal living space, and even the legal ones can’t always be rented out on their own.
The good news? Once you understand how it works, it’s actually pretty simple. And knowing the rules helps you make smarter choices as a buyer or a seller — without killing any of the Keys fun. 😎
Let’s break it down in a friendly, easy way.
🌴 So What Is Legal Downstairs Living?
To call a downstairs area “legal living space,” it must meet a few conditions:
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It has to be built above the required flood elevation
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It needs proper building permits
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It must meet current code requirements (think: windows, electric, plumbing, HVAC)
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And it must be listed as living space on the Property Appraiser’s record
If a downstairs room checks all of those boxes, great! That’s a true, legal living area.
But here’s the catch: not all finished spaces you see down there meet these standards.
Some were built before modern flood rules (Pre-FIRM homes). Some were finished without permits. And some are meant to be storage or hobby areas — even when they look like adorable mini apartments.
🛠️ Three Types of Downstairs Spaces You’ll See in the Keys
Most homes you tour will fall into one of these categories:
1. Fully Permitted, Legal Living Space
These are rare gems. They’re allowed, they’re safe, and they add real value.
But they’re still part of one single-family home unless zoning says otherwise.
2. Legal, Permitted Storage or Accessory Space
Think workshops, craft rooms, fishing gear storage, or a place to keep your bike and paddleboard.
Some owners finish them nicely, add AC, or make them extra comfortable — and that’s fine! These are great bonus spaces.
But they’re not legal living areas.
3. Charming but Not Legal Living Areas (Pre-FIRM or Unpermitted)
These can look ready to move into, but they don’t meet today’s flood-safety rules.
People often use them casually, but they can’t be counted as square footage or advertised as living space.
The key is that downstairs rooms in our islands are not all created equal, and understanding which type you’re looking at helps avoid surprises later.
💸 And Now for the Big Myth… Renting the Downstairs!
This is where many homeowners and buyers get tripped up.
We’ve all heard the story:
“My neighbor rents their downstairs for $2,000 a month!”
“My friend’s cousin lives downstairs and pays half the mortgage!”
These stories travel fast — but they don’t tell the whole truth.
✔ Legal living space does not automatically mean you can rent it separately.
✔ A home can have two great levels, but that doesn’t make it a duplex.
✔ Most homes in the Keys are zoned single-family, even with legal space downstairs.
To rent a downstairs unit separately from the upstairs, you need:
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A legal, permitted living area
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AND the correct zoning for multi-family use
Without both of those, the property is still one home, and the downstairs cannot become a stand-alone rental unit.
This isn’t meant to spoil the fun — it’s meant to save future headaches. Many buyers assume the downstairs will pay the mortgage, only to learn later that the zoning doesn’t allow separate rentals. Knowing ahead of time keeps expectations realistic and leads to smoother transactions for everyone.
🏝️ So Why All the Rules?
Believe it or not, the rules are not designed to annoy homeowners. They exist because:
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Downstairs areas can flood
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Evacuation standards matter in a hurricane zone
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Insurance depends on accurate building use
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The county tries to prevent unregulated, unsafe rentals
Plus, maintaining the character and safety of our island neighborhoods helps protect property values, which benefits everyone.
🔍 Tips for Buyers: How to Check What’s What
Here’s what smart buyers do before falling in love with a downstairs space:
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Look at the Property Appraiser’s website
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Review the building permits
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Check the elevation certificate
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Confirm the zoning type
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Ask your agent (that’s you!) to explain what’s legal vs. not
A quick check early in the process can tell you everything you need to know.
🐬 Tips for Sellers: Market It the Right Way
If you’re selling, you don’t have to hide your downstairs area — you just want to describe it accurately.
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You can highlight storage rooms, workshops, hobby areas, and bonus space
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You cannot advertise unpermitted areas as legal living space
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And you shouldn’t promise buyers it can be rented unless zoning allows it
The good news is that well-done downstairs areas — even non-living ones — still attract buyers. People love flexible space for guests, gear, work, or just extra breathing room. Honest marketing helps avoid issues later.
🌞 Final Thoughts: Keys Living Done the Smart Way
Downstairs spaces are part of what makes Florida Keys homes so versatile and fun. They give us extra room for hobbies, storage, guests, and gear — all the things that go with our island lifestyle.
You don’t have to fear the rules. You just need to understand them.
When you know what’s legal, what’s not, and what zoning allows, you can buy with confidence and sell with clarity. And that’s the secret to stress-free homeownership in the Keys.
If you ever have a question about a downstairs space — whether you’re shopping, selling, or just curious — I’m always here to help you sort it out with a smile.
The Surprising Truth About Mobile Homes in the Florida Keys
An Overlooked Gem in Paradise Living
When people think of the Florida Keys, they picture pastel cottages, waterfront estates, and those dreamy stilted homes that grace every postcard. But there’s another property type tucked between the palms—and it deserves way more love than it gets: mobile homes.
Yep, mobile homes. And no, they’re not what many folks imagine. In the Keys, mobile homes come with character, charm, ocean breezes, and sometimes… million-dollar price tags. Let’s take a closer look.
Why Mobile Homes Are Still a Big Deal Here
First, let’s get the obvious out of the way: mobile homes don’t perform as well as traditional construction during strong storms, especially hurricanes. Everyone knows it—including the buyers. And yet… they’re still popular. Here’s why:
1. The Land Is the Real Treasure
In the Keys, the land itself is often the star of the show. A mobile home on a canal with direct ocean access? That’s prime real estate. In fact, some of these parcels have sold for over $1,000,000, even with an older mobile home sitting on them. Buyers often renovate, replace, or rebuild—but they want that slice of paradise first.
2. A More Affordable Entry Into Island Living
Not everyone wants—or needs—a multimillion-dollar house. Mobile homes can start in the low $100,000s, giving people a chance to put down roots in a place where the average single-family home price can make your eyes water. For many locals, mobile homes have been the way families stay in the Keys generation after generation.
3. Lower Upfront Costs = More Budget for Boating and Sunshine
Let’s be honest: life in the Keys is meant to be lived outside. Many buyers look at mobile homes as a smart way to enjoy fishing, diving, sandbar hopping, and sunset cruising without spending every last dollar on the structure itself.
4. Communities With Amenities and Personality
From waterfront parks to private boat ramps to tight-knit, friendly neighborhoods, mobile home communities offer the Keys charm buyers crave. Some are 55+, some are family-friendly, and many have that laid-back “everyone knows your dog” vibe.
What Buyers Should Know
Mobile homes in the Keys come with a few quirks and considerations—nothing scary, just things that make this place unique.
Storm Planning Is Non-Negotiable
While mobile homes may be more vulnerable during hurricanes, owners here know the drill: prepare early, stay informed, and follow Monroe County’s guidance. Many homes have upgraded tie-downs or reinforced structures to add peace of mind.
Financing Can Be Different
Depending on the age of the mobile home and whether it is on leased or owned land, the financing process can vary. Buyers should always work with a lender who understands mobile homes in Monroe County. (Good news: we have plenty!)
Some Parks Are “Hidden Treasure” Zones
There are communities from Key Largo to Key West that offer incredible waterfront opportunities that you can’t find in mainland markets. Some even have homes that are steps from the water for a fraction of the price of neighboring condos.
So… Why Buy a Mobile Home in the Keys?
Because at the end of the day, people aren’t buying metal walls or vinyl siding. They’re buying:
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Sunsets over the Gulf
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Quick boat rides to Tavernier Creek or the reef
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A five-minute walk to the water
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A community that feels like family
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A lifestyle that’s impossible to duplicate anywhere else
A mobile home can be the key—pun happily intended—to unlocking that dream.
Final Thoughts: Don’t Overlook This Option
Mobile homes may not be the first thing people picture when searching for a home in the Florida Keys, but they offer something that’s becoming harder to find: flexibility, affordability, location, and a real taste of true island living.
Whether a buyer wants an affordable escape, a place to retire with sea breezes, or a premium waterfront lot with rebuilding potential, mobile homes deserve a spot on the list.
Click here to see a list of available mobile homes in the Keys
The Haunted History of Indian Key: Ghosts, Grit, and Florida Keys Lore
Just off the coast of Islamorada lies Indian Key, a tiny island with a huge story to tell. Today, it’s quiet — home to seabirds, mangroves, and whispers of the past. But nearly 200 years ago, this now-deserted key was buzzing with life, trade, and a little bit of danger.
A Bustling Island in the 1800s
In the early 1800s, Indian Key was one of the busiest places in the Upper Keys. Ships often wrecked on the nearby reefs, and brave “wreckers” would race to salvage the cargo. The island became a thriving little community with homes, shops, and even a courthouse.
Believe it or not, for a short time Indian Key was the county seat of Dade County — even though Miami didn’t exist yet!
The Attack That Changed Everything
The island’s golden age ended in 1840, during the Second Seminole War. A surprise attack left the settlement in ruins, and many residents fled by boat. Since then, no one has ever rebuilt Indian Key. Nature took over, leaving only stone foundations and stories that refuse to fade away.
Ghosts of the Past
Visitors say the island still holds the energy of its early settlers. Some claim to hear distant footsteps or the sound of waves against wooden docks that vanished long ago. Others just feel that unmistakable “presence” — a mix of mystery and history that gives the island its ghostly charm.
Whether you believe in ghosts or not, it’s hard to deny the feeling that Indian Key remembers.
Exploring Today
Today, Indian Key Historic State Park is a peaceful spot for kayaking, picnicking, and walking the old streets where a town once stood. You can still see the outlines of homes and warehouses, framed by sea grape trees and coral rock. Bring your curiosity — and maybe a camera, just in case something unexplained appears in your photo!
A Piece of Keys History
Indian Key may be uninhabited now, but its story is woven into the fabric of the Florida Keys. It’s a reminder that these islands hold both beauty and mystery — sometimes in the very same tide.
Fun Fact: The original founder of Indian Key, Jacob Housman, dreamed of turning the island into a tropical empire. Instead, it became one of the Keys’ most fascinating ghost stories.
First Class Fridays: A Spotlight on 415 Palm Drive, Lower Matecumbe
Happy Friday and welcome to First Class Fridays! Today, we’re heading to one of my favorite spots in the Florida Keys—415 Palm Drive in Lower Matecumbe. If you’ve ever dreamed of living the true Keys lifestyle, this home checks every box.
From the moment you see it, this house feels like island living at its finest. Wrapped in a soft pastel pink with classic island-style architecture and lush native landscaping, it gives off the peaceful, breezy vibe we all love down here. It’s the kind of place that makes you slow down, breathe in the salt air, and smile.
But the magic doesn’t stop at the curb.
A Home with Heart, Craftsmanship, and Coastal Style
Known as “Piece of Quiet,” this home is a Miami Herald Fame Award winner—and once you step inside, you understand why. It’s built with solid CBS construction, wrapped in charming island-style siding, and finished with thoughtful details everywhere you look.
The main living area features grand arched French doors that let sunshine pour in while framing beautiful views of the water. It’s bright, relaxed, and welcoming—just the way a Keys home should feel.
One of my favorite features? The custom terrace floors. They were modeled after the iconic flooring at the Historic Cheeca Lodge & Spa, adding a timeless coastal touch you don’t often find outside a luxury resort.
Inside, white oak flooring brings both warmth and sophistication, while the open-concept layout keeps the flow light and easy. Whether you’re entertaining friends or enjoying a quiet morning with coffee, this home makes every moment feel special.
A Master Suite That Steals the Show
Let’s talk about the master suite, because it deserves its own spotlight.
This space feels like a private retreat all on its own. It offers room to breathe, an air of calm luxury, and one of the largest true walk-in closets you’ll find in the Keys—big, open, and ready for everything you want to bring.
And then there’s the classic claw-foot tub. It’s elegant, timeless, and perfect for those long, relaxing soaks after a day on the water.
For the Boater at Heart
If you love boating or spending your days on the water, this home delivers in a big way.
You’ll find 70 feet of dockage on a quiet, protected deepwater basin. It’s ideal for your vessels and makes it easy to head straight out into the bay. Want to reach the ocean? You’re just minutes away via the bridges at Channels 2 and 5.
From sunset cruises to reef trips, you’re in the perfect place to enjoy it all.
Outdoor Living Done Right
Whether you’re grilling, reading, or soaking up the breeze, the outdoor spaces here are wonderful. Waterfront decks invite you to linger, watch boats glide past, and enjoy the peaceful beauty of Safety Harbor.
This home doesn’t just offer a place to live—it offers a lifestyle. One filled with color, comfort, nature, and pure coastal charm.
Don’t miss the chance to see this rare gem.
If you’re looking for a waterfront retreat that blends elegance, strength, and timeless Keys beauty, schedule your private showing today. 415 Palm Drive is truly something special.
Click here for more details and photos
Discover Executive Bay Club: Spacious Townhomes in the Heart of Islamorada
If you’re looking for a comfortable and convenient home in Islamorada, Executive Bay Club is a great place to explore. This waterfront community offers two-story townhomes with a layout that feels open, bright, and welcoming. One of the best features of these homes is the master bedroom. It is known for being very large, giving you plenty of space to relax and recharge.
Many of the townhomes were built with spiral staircases connecting the two floors. These add charm and save space. Some owners have redesigned the staircase and replaced it with a traditional staircase for easier access. In addition, every master bedroom has a small loft with a low ceiling. Most owners use this spot for storage, but others have turned it into a reading nook, play space, or even extra living area.
Each unit also has a ground-level outdoor area. Many owners have upgraded these spaces with pavers, plants, shade, and stylish seating. These private patios are perfect for morning coffee, evening grilling, or simply enjoying the island breeze.
Executive Bay Club offers more than beautiful homes. It also provides a wide range of amenities for relaxation and fun:
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A sandy beach for sunbathing or launching a kayak
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A sparkling pool for cooling off
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Tennis courts for a quick match
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A clubhouse for gatherings
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A brand-new marina with dockage for boaters
Best of all, the community is in a prime location. You can walk to Founders Park, where you’ll find walking paths, a boat ramp, a dog park, a marina, and many local events. You are also just minutes from some of the best dining spots in Islamorada. It’s easy to live a relaxed Keys lifestyle here while staying close to everything you need.
If you want a mix of peace, comfort, and convenience, Executive Bay Club may be the ideal choice. These townhomes offer great space, smart layouts, and access to top-tier amenities. It’s a true piece of paradise.
If you’d like to learn more or schedule a private tour, I’m here to help. Click here to view current listings.
