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421 Harbour Drive, Duck Key, FL 33050

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For Sale

$2,599,000

Estimated Payment

$ 14,318 /mo. †

6.67% APR for 30 yrs.
$11,309 in taxes
Change Loan Terms

  • Other Residential
    Property type

Explore this Property

Build Your Dream Waterfront Home in Duck Key - ROGO Exempt with Active Building PermitWelcome to 421 Harbour Drive, Duck Key--a rare opportunity to build your own island retreat without the wait! This ROGO-exempt, oversized 11,250 sq. ft. lot comes with an active building permit for a 3,000 sq. ft. waterfront home, allowing you to start construction immediately.Nestled in the heart of Duck Key, this stunning homesite offers breathtaking views of both the Atlantic Ocean and Gulf. Located on Harbour Drive--a street that feels like an island on an island--this property delivers unparalleled serenity while still being close to world-class amenities. Just moments away, you'll find the renowned Hawk's Cay Resort, offering fine dining and luxurious resort experiences, as well as the local HOA clubhouse with a pool, tennis courts, and pickleball.Wake up to crystal-clear waters, enjoy endless days of boating, fishing, and paddleboarding, and relax in the peaceful ambiance of one of the most coveted locations in the Florida Keys. Skip the long permitting process and start building your coastal dream home today!Don't miss this chance to own a slice of paradise--where island living meets effortless luxury.
MLS# 614207

Courtesy Of Coldwell Banker Schmitt Islamorada

(305) 664-4470

Property Features

  • Amenities
    Water Front
  • Architecture Style
    Other
  • View Type
    Ocean, Water

Map and Directions

Directions to 421 Harbour Drive, Duck Key, FL 33050

Home seller CENTURY 21 World Connection

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CENTURY 21 World Connection

(786) 900-0155
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Mortgage Calculator

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Monthly Payment Breakdown

  • Principle and Interest
    $13,375
  • Property Taxes
    $942
  • Hazard Insurance
    $0
  • Private Mortgage Insurance
    $0
  • HOA Dues
    $0
  • Total Monthly Payment:
    $14,318

Calculators provided for estimating purposes only. Consult with your lender to determine precise payment requirements.

We don't have all the school attendance zone information for this listing. Contact a local CENTURY 21 office for more information.

Local area information for Duck Key, FL 33050

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Duck Key, FL 33050

This community’s employment is highest in the food and sales industries. The area’s overall household expenses are above the national average.

89° August
Hottest Average Month
63° January
Coldest Average Month
5,292 Total Households in Area
-1.9% Increase in population since the year 2010
16.9%
of households
have children
14 minutes
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Demographic facts
for Duck Key, FL 33050

Duck Key, FL 33050 has a population of 11,132 people in 5,292 households with a median age of 50.6 years old.

-1.9%
Decrease in population
since the year 2010
Population is Trending down
5,084
Total households as of 2010
4%
projected percent change in total
households in 5 years

Community Population By Age

The median age for this area is 50.6 years old. The smallest percentage group is 65-74 years and the largest percentage is the 85+ years age range.

Community Population By Ethnicity

White 71%
Hispanic 28%
Other 6%
Black 4%
Asian <1%
Native American <1%
The most prevalent ethnicity is White at 71%, followed by Hispanic at 28%, Other at 6%, and Black at 4%.

Economics
for Duck Key, FL 33050

225 /sq mi
Population Density
$75,575 /yr
Median Household Income
$562,500
Median Sales Price
14 min
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Household by Income

Out of the households in this area, the largest income group is $50-74,999k representing 16.78% of the households.

Transportation to Work

  • Drive 77%
  • Walk or Bike 13%
  • Work from Home 9%
  • Public Transit 0%

Occupancy by Type

Vacant 3,153 37%
Owned 2,981 35%
Rented 2,311 27%

White vs Blue Collar Jobs







White Collar 66%
Blue Collar 34%

Family & Education Facts
for Duck Key, FL 33050

50.6 Median Age

Average Household Size

2.1
persons per
household

47.2%

Married Households

Community Population By Education

High School Graduate 31%
Some College 21%
Bachelors Degree 20%
Graduate Degree 12%
Some High School 10%
Associates Degree 7%
Of the total people surveyed, the most prevalent educational attainment level is High School Graduate, representing 31.24% of the population.

Household Family Expenses vs National Average

This location’s average annual expenditures compared to the national average. Index score (100=National Average)
16.9% of households have children

Weather
for Duck Key, FL 33050

The weather for this area ranges from a high of 89° F in August to a low of 63° F in January

89° August
Hottest Average Month
63° January
Coldest Average Month

Average Temperature by Month

Low (°F)
High (°F)
Jan
63°
75°
Feb
65°
76°
Mar
67°
79°
Apr
71°
82°
May
75°
84°
Jun
78°
87°
Jul
79°
89°
Aug
79°
89°
Sep
77°
87°
Oct
75°
84°
Nov
70°
80°
Dec
66°
76°

Average Temperature in Degrees Fahrenheit

Precipitation

Precipitation (inch)

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Copyright © 2025 Florida Keys Board of REALTORS&#174;. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Data powered by Attom Data Solutions. Copyright© 2025. Information deemed reliable but not guaranteed.

This information is provided for general informational purposes only and should not be relied on in making any home-buying decisions. School information does not guarantee enrollment. Contact a local real estate professional or the school district(s) for current information on schools. This information is not intended for use in determining a person's eligibility to attend a school or to use or benefit from other city, town or local services.

† Based on a 30-year fixed rate of 3.38% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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