florida keys areas-cities


Florida Real Estate Featured Area of the Month:

Big Pine in particular is one of the largest and most interesting Islands in the Keys. It has a population just over 5000 and as of Sept 2007-there were homes starting at $240,000. As you get closer to the water or buy a home on a canal, the prices rise accordingly. But there are quite a few different developments, mostly of single family houses, and some are pricier than others.

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 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.

For more information about Florida Keys Real Estate please go to My Keys Dream Home

For help with Lower Keys Real Estate and Key West Homes for Salescontact Fred Mullins  (305)745-9440 Coldwell Banker Schmitt


Living in the Florida Keys Area Cities

If you do NOT see a subdivision or area you are interested in and you have questions, you can:
1. Suggest we add the area
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Area Cities

Key Largo Fl

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Once you leave civilization at Florida City, Key largo is the first town and first island you come to as you travel down US 1 -- across a dozen plus miles of beautiful and still totally pristine Everglades country, then along a narrow strip of mangrove splitting Barnes Sound from Blackwater Sound and Florida Bay, now across the old swing bridge at Jewfish Creek, finally over Lake Surprise. And there it is: Key Largo, the stuff of myth, located some 55 miles and about an hour south of Miami International Airport and just 24 miles south of Homestead. You are now on a different planet.

Since 1948, when it was the setting for the movie, "Key Largo," starring Humphrey Bogart, Edward G. Robinson and Lauren Bacall, the name Key Largo has become world famous. In fact, Key Largo is one of the oldest place names on early maps of the North American continent, dating back to the sixteenth century when the Spanish explored the area looking for riches to take back to Spain. Today it is Miami’s Cape Cod -- and for the rest of us it is the Gateway to the American Caribbean.

The climate is subtropical and foliage is lush. Temperatures have only a few degrees day-night fluctuation, compared with much of the rest of Florida. There’s a steady sea breeze, and rain tends to be passing showers

Key Largo has become synonymous with the laid-back Keys lifestyle. Yet Key Largo is also a particularly vibrant community due to it’s being close to Miami. On the weekends, it is an easy drive for people to visit the Keys and their unique ambience. For investors it means great occupancy rates, for 2nd homeowners a quick and easy getaway. If you want to make this your home, well, Key largo was ranked No. 11 of the 50 Best Places to Live list by Men's Journal Magazine in 2002.

If you’re looking to relocate here, there are homes as of Sept 2005 listed from $269,000. Of course they go up from there: the median price is XXXX to give you some perspective. (To get an idea on how prices work, look under the investment page for the Florida Keys.)

The Key Largo housing market is diverse and eclectic, and includes everything from ultra-modern big new houses and condos to just plain old-Florida funky, and everything in between. It is a complex market, and will take the buyer or investor some time to comprehend.
The market also covers a lot of physical territory: Key Largo itself, the largest and longest of the Florida Keys, stretches for 30 miles from the resort yachting community of Ocean Reef at the island’s north end (which exits to the Mainland by a separate bridge over Card Sound) to the community of Tavernier at its southern tip
Moreover, another part of the diverse Upper Keys real Estate market is Islamorada, the 17-mile long, half-mile wide, often handsomely groomed municipality that picks up where Key Largo leaves off and is comprised of Plantation Key, Windley Key, and Upper and Lower Matecumbe Keys
Some Facts About Key Largo

It has a year-round population (not counting the ebb and flow of tourists and weekenders, and Miami daytrippers) of approximately 15,000 and a median age of 43.
The primary industries here are:
Arts, entertainment, recreation, accommodation and food services
Retail trade
Educational, health and social services
Key Largo is served by a full-service hospital in Tavernier, providing easy health care access to all residents
Key Largo children attend award-winning public and private schools covering grades from pre kindergarten through High School
Recreational Options

You can’t really get bored here, unless you just don’t like the water.

Dive: If you snorkel or dive, Key Largo is a terrific place to live. Long considered the sport diving capital of the world, Key Largo is home to John Pennekamp State Park, the world’s first underwater park. I used to camp and snorkel there on weekends with my kids. And I’ve also had some great times diving wrecks and exploring the surrounding waters of the Florida Keys National Marine Sanctuary. There are lots of dive shops for folks at all skill and preference levels.
Fish: If you like to fish, Key Largo is (if that’s possible) an even better place to live. Stretching down to Islamorada, the bonefishing capital of the world, there is a fabulous “backcountry” – Florida Bay – and offshore you’ve got the Gulf Stream and every kind of pelagic sports fish you can imagine. If you’ve got your own boat, great; if you don’t, you’ll find one of the largest fishing fleets per square mile in the world, between Key Largo and Islamorada.
Boats and Toys: See above. There is every possible sea thing to rent and enjoy. In fact, Key Largo and the rest of the Upper Keys, including Islamorada, are much better this way than the Middle Keys or Lower Keys with the exception of Key West.
Kayaking, Canoeing, Photography and Birding: These don’t all necessarily go together. My friend and I did a lot of fishing from our kayaks before it became the latest craze. But if you want to explore shallow-water backcountry to enjoy birds and wildlife, and want to consider paddleboating as opposed to motorboating as the way to do it, then this part of the Keys will likely please you more than areas farther south and west.
If you’re a private pilot, there’s a basic airstrip for small planes on Tavernier, and you can even live next to the runway.
Living Here – Other Options

So what about the rare person who buys a home here but doesn’t want to spend every waking minute on the water? No problem. Here’s just a few things that contribute to the quality of life for the person who relocates to Key Largo.

Eating out: You’ve got tempting choices here, ranging from easy drives to Islamorada – famous throughout the Keys for its eateries – to the Mainland. And right here on Key Largo you’ve got excelent choices of just about every possible cuisine. And not only that: ever noticed how few waterfront restaurants and bars there seem to be in waterfront areas? Well, Key Largo is an exception!
Gallery hopping: Not exactly Key West by any means, but the Upper Keys from Key Largo through the long slender town of Islamorada offer a lively community of artisans, artists in residence, and galleries
Shopping: One of the drawbacks (to some residents) of living farther “down” the Keys (in the direction of Key West) is the “need to get off the Rock” syndrome combined with the reality of limited shopping options. In the Upper Keys (Key Largo, Islamorada) that’s less of a problem. You’re an hour from Miami
Other stuff: There’s local night life in the Upper Keys, unlike the Middle Keys (some, but less) or the Lower Keys (not much). And there’s lots of tennis, if that’s your game. There’s also plenty of local shopping and services; that’s worth mentioning because the farther south and west you go in the Keys, the less true that is.
In conclusion, Key Largo definitely feels like you’re in a different part of the country, due partly to the aquamarine water and the Tiki bars and just the general ambience. So if you want to be away from traffic and a rushed lifestyle, but yet want to be near shopping and everything else that Miami has to offer, this could be just the ticket. It’s hard to imagine a better price-value proposition in the Keys.

For more information on other topics see the Florida Keys general information links.

.©2006. Florida Real Estate Network Inc. All Rights Reserved
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Islamorada (MM 85) is one of the most popular spots in the Keys. It’s not call a "Key," because it’s actually made up of six different islands including Upper Matecumbe Key, Lower Matecumbe Key, Plantation Key, Windley Key and two offshore islands: Indian Key and Lignumvitae Key. Islamorada has a reputation as the Sport Fishing Capital of the World, and it's well-earned. Here you'll find several extremely skilled recreational fishing captains. Islamorada is also known as a place where you can swim with dolphins, enjoy the History of Diving Museum, feed tarpon, get married, and have your honeymoon. As you’ll find along any of the Florida Keys, there are many places to have a drink, enjoy the warm tropical breeze and listen to a local band.

Things to do in Islamorada

Islamorada is a top destination for people looking for things to do in Florida. Whether it's fishing, diving, snorkeling, or just hanging out at the beach and swimming with friends, there are many great things to do when you’re visiting Islamorada. There are bars, shops, museums, art centers and fabulous fresh seafood. Speaking of seafood--the fishing both on- and off-shore is awesome! This may be the only place where you can catch a sailfish offshore in the morning and then go into the backcountry and jump a tarpon, snook, redfish or bonefish later that same day. Whether you’re looking for something to eat or just something to brag about, chances are you’ll catch it here. Another favorite thing to do here is to visit the Theater of the Sea Marine Mammal Park, where you can swim with dolphins, sea lions and string rays in the saltwater lagoons. You can also celebrate a birthday or get married at the Marine Mammal Park, which is open year round and has many entertaining and educational programs.

iformation courtesy of http://www.placesaroundflorida.com/Florida_Keys/Islamorada/

Duck Key

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Duck Key is a small islet located at mile marker 61 off the Overseas Highway in the Florida Keys. Vehicles cross over the island's canals by way of picturesque arched bridges. In the distance is Grassy Key which is part of Marathon. Sixty miles further south is Key West.

Hawks Cay Island Resort; located midway down the Florida Keys on the secluded 60 acre island of Duck Key offers some of the world's best fishing, exciting water sports, dolphin interaction programs, a saltwater lagoon, five gorgeous swimming pools, and a variety of luxurious accommodations, including guest rooms, suites and villas. Plan a vacation with your family and friends where you can dine in exquisite restaurants and relax in a full-service spa, while kids and teens have fun, all in the casual, relaxed pace of the Keys.

From battling high-flying sailfish in the bright blue waters of the Atlantic to stalking shallow water flats in search of world-record bonefish, Florida Keys fishing and fishing charters are all about variety — and even more about catching big fish.

Hawks Cay Resort, in the Middle Keys, is the premier Florida Keys fishing destination. Located only a few miles from the dock are the only living coral reef in the continental United States, the strong Gulfstream currents, the fish-filled waters of Everglades National Park and many productive local flats and bridges.

Nowhere else in the world do you have access to such a diverse expanse of bountiful fishing grounds, all within minutes of the dock!

Hawks Cay Marina is home to the most knowledgeable and friendly Florida Keys fishing captains and guides, and offers a complete fleet of both inshore and offshore charter boats (rides and rentals) to accommodate anglers of all ages and skill levels.

So whether you’re an experienced angler looking to fish with one of the best guides in the Florida Keys, or a beginner looking to spend relaxing Florida vacation on the water with your family, join us at Hawks Cay Resort for an unforgettable day reeling in trophy catches in the clear tropical waters of the Florida Keys.

There are more than 1,200 colorful creatures that inhabit the clear waters of the Florida Keys and you may encounter many of them during your scuba diving adventure with Dive Duck Key Experience.

Join our professional dive team at Hawks Cay Resort for the best scuba and coral reef diving in the Florida Keys. You'll explore the only living coral reef system in the continental United States and enter an underwater world that’s home to sea turtles, a diverse collection of tropical fish and animals, and bright coral arrangements only found here in the Florida Keys.

Whether you’re an expert scuba diver looking to probe wrecks deep underwater or a beginner who has never donned the mask before and would like to give SNUBA® a try (no courses required!), Dive Duck Key offers dive trips and scuba lessons for all ages and skill levels.

So come aboard the Seafari, and go below the Atlantic Ocean. The best Florida Keys diving experience awaits at Hawks Cay Resort!

Key Colony Beach

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Key Colony Beach is located in the Heart of the Florida Keys at mile marker 53.5 on US Highway 1 which is known locally as the Overseas Highway. Driving south from Miami on US 1, the Keys begin about mile marker 106 in Key Largo and extend to mile marker 0 in Key West. The city, called the "Gem of the Florida Keys," is a on an island just south of the Overseas Highway connected via a causeway with a very small bridge.

Most residences are on canals with quick access to the Gulf or Atlantic Ocean or have ocean views which make the city ideal for fishing and boating activities. In addition to the residences, there are many businesses in the city, including restaurants, a charter fishing fleet, marina, boat rentals, clothing store, hair salon, dive and tackle shop, liquor store, gas station, convenience store, hotels, real estate offices and a 9-hole par-3 golf course.

There are just over 800 residents of Key Colony Beach, but the population peaks to about 4,000 in mid-winter. The city was founded in the early fifties by developer Phil Sadowski and was incorporated in September 1957. The city is situated on 286 acres and contains approximately 1,400 units of housing. Many property owners make their homes available to visitors for rent on a monthly or weekly basis. Our upscale quiet tropical island atmosphere draws people from all over the world.


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Geographically, the Middle Keys stretch from the southern tip of Islamorada at the high-rise Channel 5 bridge – which has, in both directions, perhaps the most beautiful and stunning views in the Keys – to Marathon’s improbable, spectacular Seven Mile Bridge connecting Marathon to the Lower Keys. Most of us have seen this famous 7 mile bridge in movies (True Lies) or television commercials. It neatly divides the Atlantic Ocean on the East from the Gulf of Mexico to the West, a mere thread of concrete across the 75-100 square miles of azure and green seas and “flats” and islands that your eyes encompass simultaneously.

As a practical matter, the Middle Keys basically refer to the “large” incorporated town and bustling commercial center of Marathon and the nearby expensive housing areas of Hawks Key (Duck Key), Key Colony Beach, and Long Key. The other islands in the Marathon region are Boot Key, Knight Key, Hog Key, Vaca Key, Stirrup Key, Crawl and Little Crawl Key, East and West Sister’s Island, Deer Key and Fat Deer Key, Long Pine Key and Grassy Key. Marathon’s metro area sits between mile markers 48 and 55 and has a non-tourist residential population of more than 13,000 (it feels bigger than that), with a median age of 44.

Marathon is centrally located 80 miles south of mainland Florida and more or less just 50 from Key Largo and 48 from Key West. Marathon is served by bus lines to Key West and the Mainland, and by the sleek Marathon airport offering connections to Miami and Ft Lauderdale and from there to anywhere in the world.

The primary industries here are:

Arts, entertainment, recreation, accommodation and food services
Retail trade
Educational,health and social services
The Marathon area is definitely a destination point and has hundreds of small and medium size business to support it. It is fairly self-contained, too. It’s not necessary to go anywhere else, because everything you really need is right there, including shopping and services, police and fire, healthcare facilities including a modern full service hospital, all the usual municipal functions, and outdoor recreational activities like boating, fishing, and diving.

If you want to work in the Keys in the construction trades or certain kinds of services or consulting, Marathon can be a good location, because it is centrally located – jobs and commissions from Key Largo to Key West are pretty easily reached on a within-day commuting basis.

This sense of Marathon as a sort of “hub” for the whole middle section of the Keys, including the edges of the Upper Keys and Lower Keys, goes back a long ways. In the early 20th century Henry Flagler built a large work camp and supply base at Marathon while constructing his “railroad that went to sea”.


The Marathon area is primarily an outdoor community; there’s no reason to relocate here, in my opinion, if you don’t love the water, either for play or for work, whether on weekdays or weekends, since you can’t get away from it even if you wanted to, and if you work you’re going to drive across a lot of it whether headed up or down the Keys.

And Marathon thrives on its central Keys, watery environment. Marathon has excelent swimming beaches (not common in the Keys), and good diving and snorkeling, from novice to experts, at all water depths. Some divers think that some of the best parts of the coral reef along the Keys are right here. The Sombrero Key Lighthouse area is an example.

Fishing can be either oceanside or Backcountry (gulfside), with your own boat, on party boats, or with a personal guide. There’s plenty of flats fishing, as in the rest of the Keys, but oceanside offshore fishing (excelent) prevails, since there’s not quite the same extensive range of backcountry options as elsewhere in the Keys, given there’s fewer islands and the area isn’t quite as wild as having Everglades National Park for your backdoor neighbor (like Key Largo).

Boating in general is a little different here. Most boating is fairly open water or along the Overseas Highway and Keys chain; there aren’t as many protected areas (think multiple islands for kayaking or canoeing) as there are in either the Upper Keys or the Lower Keys or Key West. And waters seem to have more of a chop more of the time here, too. On both sides the water gets deeper faster.

But if you want to be on a canal with a big boat tied up at your back door, this is a good part of the Keys to be in: lots of deep canals, and easy Ocean access. (Most of the deep canals and good big boating access is on the south, or Oceanside, part of the islands.) It’s also one of the few spots in the Keys where you can easily get a big boat or a sailboat back and forth from Bay to Ocean.

In addition to these water-based sporting activities, there’s 9-hole Par 3 golf at Key Colony Beach, plenty of tennis, some nightlife particularly at the resort hotels, and a variety of restaurants where you can eat outside under the sun or indoors in air-conditioned comfort. There’s also Islamorada and Big Pine just short drives away for variety.


As of Sept 2005, the least expensive available home started at $345.000. Marathon and its surrounding residential islands have a range of homes from Estates to manufactured. Like much of the Keys, a lot of the properties are waterfront, and that means it’s going to cost more. But Marathon has also been a market where traditionally, if you worked in the Keys, you could find reasonably affordable homes.

To get an idea on how prices work look under the investment page for the Florida Keys.

In conclusion, Marathon has a variety of housing stock, and its central location gets you to Miami in 2 hours and Key West in just over an hour. So if you really want to get away from it all, and yet be relatively close to things either direction, this could be the best of the Keys areas for you. You can enjoy outdoors but still have good options of restaurants and shopping nearby.

.©2006. Florida Real Estate Network Inc. All Rights Reserved
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Big Pine Key

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Big Pine in particular is one of the largest and most interesting Islands in the Keys. It has a population just over 5000 and as of Sept 2007-there were homes starting at $240,000. As you get closer to the water or buy a home on a canal, the prices rise accordingly. But there are quite a few different developments, mostly of single family houses, and some are pricier than others.

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 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.

Until now, on the drive down the Keys from Miami, the housing areas were arrayed on either side of the road, gulfside/bayside or oceanside. Here it’s different. The 2-lane, 45 mph Overseas Highway (what a misnomer!) runs across the southern edge of Big Pine, through the restaurant and business area; most of the residential areas are situated several minutes drive to the north. To some buyers that slow drive (30-35 mph speed limits, for the deer) is a price deterrent the farther north you go; to others the isolation means extra value.

Big Pine may be “remote,” caught as it is between the commercial centers of Marathon and Key West, but Big Pine does have it’s own major grocery store, post office and restaurants. It has some medical facilities, police and fire protection, and other basics of a “town It certainly has some interesting and unique retail shops, but in general it doesn’t have a lot of socalled unnecessary shopping. In fact the residents of the other Keys mentioned above generally will go to either Marathon or Key West for both basic needs and discretionary shopping. There is one big exception to that, on Saturday mornings, when it seems like everybody in the Lower Keys comes to the Big Pine Flea Market.

Nor does Big Pine have its own school system. Monroe County’s elementary and middle schools for the Lower Keys are on Sugarloaf; for high school kids are bused to Key West.

That’s this isolation feel like? Not bad, actually.

Key West

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Key West is both a place and a state of mind. It lies about as far away as you can go in this USA, almost part of the tropics, some four hours and 150 miles south and west of Miami. You cross a lot of bridges and spectacular blue and green water to get there, and when you get there you’re only 90 miles from Cuba. Cruise ships consider a stop at Key West part of their Caribbean itineraries!

It’s not a big place, and it is a place where real people live. It has a year-round population of just over 26,000 and a median resident age of 39 years. Key West also includes the neighboring communities of Stock Island, where a lot of the remaining commercial fishing is based, and which used to be where Key West’s supplies were “stocked” in the 19th and early 20th centuries, and Key Haven, with wide canals and lots of pleasure boats.

Key West has been described in about a zillion travel guides and Web sites and the name used in countless movies as the place people want to finally get away to. Having lived in Cudjoe Key (23 miles away) and selling real Estate in Key West, I have a good feel for the place.

The best way to describe Key West, is a vacation place. Meaning whenever you’re there, the ambience and atmosphere catches you up in it and you could well be somewhere in the Bahamas or the Caribbean.

Key West is also a state of mind. You can watch sunsets from Mallory Square on the harbor, or from the bars and restaurants on the boat basins. You can shop or whatever on famous Duval Street. Since nobody knows how to throw a party like Key West does, you can join in at Fantasy Fest (think Mardi Gras) at the end of October, and see for yourself. This is, after all, Jimmy Buffett’s Margaritaville. Whatever you imagine about Key West is probably true.

Or you can enjoy the reality of Key West’s other state of mind too – its wonderful diversity, history, and creativity. Lots of writers, artists, artisans, and musicians have always called this state of mind/special place home, from Hemingway to the present day.

There are also plenty of areas in Key West where the locals go besides Duval Street and the sunset bars. In fact when you get off of Duval, you will find restaurants, art galleries, grocery stores and antique shops in the neighborhoods, and tree-lined little streets with lots of tropical foliage where people live.

So although you’re in one of the most popular tourist destinations in the world, the neighborhoods here are quiet, lined with historical architecture and have a very comfy feel. And the historic district is very compact. You can walk everywhere.

Dining Out

These areas outside of Duval, in my opinion with the exception of the Atlantic side of Duval are where the good restaurants are. Places like Louie’s Backyard, Blue Heaven, and Michaels to name a few are popular with the locals and the tourists who have visited here many times and have found them. My neighbor on Cudjoe Key, a longtime Florida and Keys resident, says to add Café Sole, Mangia Mangia, and Antonia’s to that list. (Café Sole is right across a quiet little street from what just might be the best Haitian art gallery in America.) Well, truth is, everybody’s got their favorites when it comes to restaurants and the hidden gems you can find here. Part of the fun is walking around and discovering them.

Outdoors Recreation

Key West has all kinds of options when it comes to playing outside: diving and fishing, sailing, lying on the beach, biking and visiting historical sites. And you can go for boatrides on the harbor, ranging from sunset sailing schooners to fast speedboats that spin in circles.

Boats and rides tend leave from the harbor area or the boat basin(s), but there’s a number of other options too.


Key West international airport offers flights to Florida cities like Miami, Ft Lauderdale and Orlando. From there you can fly anywhere in the world.

There is a “flying boat” ferry connecting to Ft Myers (takes a few hours), and of course Cruise ships stop here as a layover point or destination. There is no train from or to points north.

The balance of travel back to mainland Florida is by automobile or bus on US1, known as the Overseas Highway.

You haven’t lived until you’ve experienced rush hour in Key West – some people swear there is no such thing. Not much, anyway.

Finally, within Key West there is little need for anything more than your own two feet. But you can drive, and there’s decent parking on the periphery of downtown. There are also some buses, and taxis, of both the four-wheeled and two-legged variety! Every once in a while somebody comes up with the idea of using boat taxis to get from Point A to Point B, but this isn’t reliable.


Homes in Key west are expensive – less expensive in Stock Island and very expensive in Key Haven. As of Sept 2005, homes in Key West started at $385,000 but much higher prices are commonplace. Some of the tiny historic-type homes carry price tags that surprise people, but then you have to remember that it’s a small island in high demand, and there’s not a lot of inventory.

There’s much more inventory when it comes to condominiums, but even condos are getting very pricy. Timeshares, allowing week-at-a-time purchases, have become more common too.

* * * * *

In conclusion, several visits to the Keys and in particular Key West made me sell my business in Oregon and move to the Keys. It is an adventure and personally, I made a decision that I wanted to be one of the people who went on vacation and didn’t leave.a

For more information re cost of living etc, go to the general information links for the Florida Keys.

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About the areas
The site has the state divided up into 19 major areas and 90 plus sub-areas. We chose these areas as they are the ones most referred to in guides about Florida and also because most people are familiar with them as the names evoke something. Additionally on each area dropdown there is information relevant to florida real estate and relocating to florida. We have provided lists of Florida Real Estate agents-Mortgage brokers and more.