Elizabeth Elliott
$750,000≈$4,489 /mo all-in ↓

NILES ROAD, SUMMERLAND KEY, FL, 33042

Active244 days on marketListed Dec 5, 2025MLS #O6365447

SUMMERLAND KEYS

About this home

NILES ROAD

Discover the perfect opportunity to build your dream home in the Lower Keys on this desirable parcel located on Summerland Key, FL. Set within a peaceful residential neighborhood, this property offers an inviting blend of tranquility and convenience—just minutes from US-1, local marinas, boat ramps, dining, beaches, and world-class fishing. Enjoy the relaxed island lifestyle, tropical breezes, and the charm of Summerland Key while still being within easy reach of Key West. A rare chance to secure land in one of the most sought-after areas of the Florida Keys.

Facts & features

The home at a glance

10.25 ac

Lot size

Inside

Outside & construction

Community & fees

Taxes (2024)$9/yr

Utilities & systems

UtilitiesOther
WaterNone

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$4,489 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,047
PMI (est., until 20% equity)$281
Property tax — 2024 actual bill$1
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $75,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Get my real numbersCall

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $75,000
Interest rate6.00%
Loan term

Estimated payment

$4,489/mo

Principal & interest$4,047
PMI (est., until 20% equity)$281
Property taxes (actual bill)$1
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Elizabeth Elliott

Your agent

Elizabeth Elliott

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about NILES ROAD — start here.

CallText
elizabeth.elliott@c21edge.com
Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for NILES ROAD — before you fall in love.

Get pre-approvedCall
aacosta@prmg.net

See it in person

Schedule a tour

Pick a day that works — this goes straight to Elizabeth's phone and CRM.

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Goes straight to Elizabeth’s phone and CRM.

Straight answers

NILES ROAD FAQs

What would the monthly payment be for NILES ROAD?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,489/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

What are the property taxes on NILES ROAD?+

The most recent tax bill on record (2024) was $9. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Listing courtesy of SUNLAND REAL ESTATE, LLC. · Javier Santana. MLS #O6365447.

IDX information is provided exclusively 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 is deemed reliable but is not guaranteed accurate by Stellar MLS.

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