Lower Keys Real Estate

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Lower Keys Homes and Condos for Sale

Welcome to my Website and Everything you need to know about Buying and Selling Real Estate in the Lower Keys. As your Keys Realtor, Premier Keys' real estate properties will always be high in demand and their value will keep on rising. The Lower Florida Keys is a place that has piqued the interest of real estate investors worldwide, for years, making it one of the most desirable locations to own properties. What makes the Keys attractive to potential buyers is the unique combination of tropical weather and living the island lifestyle. Therefore, It isn't surprising that prime real estate in the Florida Keys continues to increase in value with each passing year.

New Important Information

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Government preparing to be sued in 2023, when the Keys stop issuing building permits

Climate Change and Real Estate: Its Attitudes More than Science

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Luxury Lower Keys Homes for Sale

Luxury Homes, in excess of 1 million dollars can be found in all the lower keys Islands. Typically homes in this price range will have larger square footage, bigger lots, and if they are waterfront, better views, and deeper boating access. Deeper boating typically means a 4ft draft. That is what’s required for larger boats and sailboats. So neighborhoods, where you will find these types of watercraft, will often have more expensive Keys properties.

Luxury Lower Keys Condos, Condominiums, Townhouse for Sale

Marathon and Key West are where you will find the most Condos and Townhomes. These will have a large price range. If a Condo lifestyle is what you are looking for please see my Links to Key West Condos and Townhouse for sale. As your Keys Realtor, I keep up with all property updates.

Lower Keys Vacant Land

There is still vacant land for sale, just waiting for you to build your new home in our subtropical Keys climate of the Lower Florida Keys!

Investing in the Lower Keys

Historically, real estate is the only investment option that can withstand the effects of inflation. Regardless of what happens in the real estate market, the value of a property will eventually increase. This has been seen throughout the years and especially in Keys properties. In addition, Florida's Homestead Exemption adds to the value.

Big Pine Key Homes for Sale 

Big Pine, in particular, is one of the largest and most interesting Islands in the Keys.
Water depth affects prices, and some areas have about 15 inches and some have 3-4 feet. Obviously, this means you can have a certain kind of boat in some areas that won’t work in other areas. It depends on what you’re looking for. The shallower areas have more direct and private access to a lot of the wilder and more pristine parts of the Island and adjacent backcountry. They may also (but not reliably) be less expensive.

Little Torch Homes for Sale 

Little Torch Key is part of the lower chain of islands off the Sunshine State peninsula, stretching between the Atlantic Ocean and the Gulf of Mexico. This is one of the most traveled destinations in the Florida Keys because of its many outdoor activities. Among the most popular are scuba diving and sports fishing, others include sailing, powerboating, and is considered one of the top romantic retreat spots in the United States. Though there are few businesses in operation on this particular key, nearby islands offer plenty, making this a great real estate investment opportunity.

Because of its visitor popularity and with new, more stringent building codes in effect, along with logistics difficulties in the transport of building materials, residential real estate here maintains an excellent, stable value.

Ramrod Key Homes for Sale

Located in the Lower Keys, near Looe Key and also close to Duck Key, lies the sparsely populated, but the tourist-friendly island of Ramrod Key. Named for an early 19th-century ship that wrecked off the coast, this is a very popular spot because of its unspoiled beauty. There are few businesses on the island, but the waters surrounding it make it a great destination for boating, sailing, kayaking, snorkeling, diving, fishing, and everything else in an aquatic adventure. Part of its popularity comes from the fact the island is more affordable for visitor accommodations as Duck Key is more expensive.

Summerland Key Homes for Sale

About twenty miles to the east of Key West lies Summerland Key, a bedroom community, home to the Brinton Environmental Center. On the island, there is also a marine research center and the majority of its residents commute to either Marathon or to Key West. Unlike some of the other smaller, more remote islands in the chain of the southern coast of the Florida peninsula, this key has more businesses, which are frequented by its locals.

However, this area is far from the typical suburban communities found in the northeast and midwest, featuring unspoiled scenery and offering a low cost of living. Like most of the other islands, popular activities are found nearly exclusively outdoors, with incredible weather year-round. Popular outdoor recreational activities are boating, snorkeling, fishing, biking, kayaking, and sunrise and sunset watching.

Cudjoe Key and Cudjoe Gardens Homes for Sale

The island of Cudjoe Key lies between Sugarloaf Key and Big Pine Key, along with US Highway One; one-hundred, eleven miles southwest of Miami and nineteen miles north of Key West. Cudjoe Key is part of the islands in southwestern Florida known as the Lower Islands of the Florida Keys. The 2000 census shows that the population of Cudjoe Key barely tops 1,700 full-time residents. The island is famous for the relaxing vacation rental properties that line the beautiful stretches of Shoreline along the island.

Activities and attractions on Cudjoe Key have centered centers around the many water sports and boating opportunities. Rent a boat and glide through the waters off the coast or take advantage of the many charter fishing services located throughout the area. Snorkeling and diving trips are also extremely popular activities among tourists and locals alike. For those who want a taste of adventure, you can rent a kayak or canoe and paddle through the water channels winding through several outlying island areas.

Sugarloaf Key Homes for Sale

Located in the Lower Keys near the southernmost point of the United States is Sugarloaf Key, an amalgamation of two islands, which are known as Upper Sugarloaf and Lower Sugar Loaf. It is home to two public schools, a fire department, an airport, and is the location of the Great White Heron National Wildlife Refuge. This is a more affluent area in the chain of the island archipelago, and one that is relatively young, with a median resident age of 46 years old. The median household income on these two islands is $61,000, above the statewide median of $45,000.

Key West Homes, Condos, Condominiums, and Townhouse for Sale.

Key West has a very vibrant real estate market and a tropical lifestyle that is quintessential of the islands of the coast of Florida. Located in Monroe County, it is one of the most populated keys in the island archipelago, with about 25,000 residents. The median household income in the area is $53,000, above the statewide median of $45,000, and the median age of its residents is young, about 42 years old.

Known for its wonderful weather, many of the residents choose to call this island home because of its tropical climate, which offers some of the best winters in the country, with overnight temperatures falling into the high to mid-sixties and daytime highs reaching up to the mid to high seventies. Spring and fall are spectacular, and summers are breezy and warm. With such an opportunity, residents participate in outdoor activities almost every day of the year. Popular recreational pursuits are boating, fishing, snorkeling, sunbathing, sightseeing, and sunrise and sunset are memorizing events.

What's New MAY 2024

Sugarloaf Key Florida LifeStyle

Sugarloaf Key is a beautiful island located in the Lower Florida Keys. It is known for its laid-back, tropical vibe and its abundance of outdoor activities, and stunning natural scenery.


The island is home to a diverse community of residents, including fishermen, artists, and vacationers. The population may fluctuate depending on the time of year, with winter months bringing in more tourists.


Life on Sugarloaf Key is all about the island lifestyle. It is a place to relax, unwind, and enjoy the beauty of nature. Residents and visitors can spend their days fishing, boating, kayaking, or simply lounging on the beach.


One of the main attractions on Sugarloaf Key is the Sugarloaf Lodge, a historic hotel and fishing resort that has been welcoming guests since the 1950s. It is a popular spot for tourists and locals alike, offering delicious food, live music, and idyllic views of the Gulf of Mexico.


The island also has several marinas and boat ramps, making it a paradise for boaters and fishermen. Visitors can charter a fishing boat or bring their own and explore the surrounding waters for some of the best fishing in the Florida Keys.


For those who prefer to stay on land, there are plenty of opportunities for hiking and biking on the island. The National Key Deer Refuge is located on Sugarloaf Key and is home to the endangered Key deer, which can often be spotted roaming the island.


In terms of amenities, Sugarloaf Key has a few convenience stores and restaurants, but the main shopping and entertainment options can be found on nearby Big Pine Key and Key West.

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Coldwell Banker Schmitt

29967 Overseas Hwy,

Big Pine Key, FL 330431-786-368-7413





My Skills & Expertise

I received my Real Estate license in 1997 and was a full-time Real Estate agent in Miami until my husband and I gave up being weekend warriors in 2009 and moved to our lower Keys home permanently. We are passionate about the Keys and feel very blessed to live here full time. Life in the Keys just doesn't get any better! Any chance to get out on the water or troll the big blue for Mahi, Wahoo, Kingfish, Marlin, Sailor whatever might strike that line . . . we’re game. Nothing better than being on the deep blue water.

I love my job and am passionate about real estate in the Fabulous Florida Keys. Whether it's finding a weekend home, relocating to the Keys, up-sizing, downsizing, or selling your piece of paradise, I'm here to help you, however, I can from Key Largo to Key West - Phone Fritz First!! 786-368-7413

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