422 HARBOUR DRIVE Duck Key, FL $ 4,500,000
422 HARBOUR DRIVE
$ 4,500,000
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422 HARBOUR DRIVE

Duck Key, FL, 33050
$ 4,500,000
Bedrooms4 Baths3.0 Sq 2,620

Monthly Estimate*

$ 31,080

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Single Family Home for sale in Duck Key, FL

for $4,500,000 with 4 bedrooms and 3 full baths. This 2,620 square foot home was built in 1985 on a lot size of 0.28.

There are places where the water is part of the view. And then there's Duck Key, where it shapes the entire way of life. Set in the heart of the Florida Keys, this two-story waterfront residence brings together thoughtful living spaces, beautiful open-water scenery, and everything that makes island life so distinctive. The home offers four bedrooms and three bathrooms, surrounded by lush landscaping and designed to make the most of its waterfront setting. Outside, the property really comes into its own. A private pool, beach area, and dock put the water at the center of every day. And for boaters, the details matter: A 30,000-pound boat lift, a jet ski lift, a fish cleaning station, and steps leading right into the water. A morning offshore, an afternoon exploring the keys, or a quiet evening back at the pool. Here, those aren't special occasions. They're simply options. Upstairs, the open living kitchen areas are made for gathering, but the water remains the focal point with sliding glass doors that open to an expansive balcony that wraps around the upper level. The upper floor also includes the master bedroom with an ensuite bath, second bedroom and full bath in the hallway. Downstairs, a second living area, kitchenette, two additional bedrooms, and another full bathroom create a flexible layout for family and guests. From the lower level, step outside to the balcony, pool, beach and dock. Beyond the property, Duck Key has its own distinctive appeal. Join the optional Duck Key clubhouse for a pool, tennis, pickleball, and events, or Hawks Cay Resort for its Michelin-rated Salt and Ash restaurant, saltwater lagoon, Dolphin Connection, and pools.

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Single Family Active

Price

$ 4,500,000

Bedrooms

4

Full Bath

3

Property Type

Single Family

Taxes

$ 20,458

Style

Single Family Residence

Lot Size

0.28

Year Built

1985

Town/City

Duck Key

County/Region

Monroe

MLS | Web ID

NS1089477

Features
General
Sewer Public Sewer
Heating Central Electric
Cooling Central Air
Utilities BB/HS Internet Available Cable Connected Electricity Connected Public Sewer Connected Underground Utilities Water Connected
Roof Metal
Appliances Built-In Oven Cooktop Dishwasher Disposal Electric Cooktop Electric Water Heater Freezer Microwave Range Refrigerator Washer Wine Refrigerator
Zoning IS-M
Garage Spaces 1
Pool Features In Ground Gunite
Security Features Security Lights Smoke Detector(s)
Construction Materials Block
Pets Allowed Yes
Year Built 1985
View Water
Levels Two
Property Subtype Single Family Residence
Tax Year 2025
Ownership Fee Simple
Waterfront Features Gulf/Ocean to Bay
County Monroe
New Construction false
Property Type Residential
Attached Garage true
Subdivision Name HARBOUR ISLAND AMD
Facing Direction East
Garage Y/N true
Total Rooms 10
Full Baths 3
Status Active
Directions Overseas Highway to the Duck Key Dr entrance. Stay on Bimini Dr and turn right onto Harbour Dr. Home is on the left.
City DUCK KEY
Senior Community Y/N false
MLS Area 33050 - Marathon
Lot Size Units Square Feet
Lot Size Square Feet 12197
Carport Spaces 0
Carport Y/N false
Listing Terms Cash Conventional
Land Lease Y/N false
Tax Annual Amount 20458.36
Home Warranty Y/N true
Additional Parcels Y/N false
Lease Considered Y/N true
Building Area Units Square Feet
Living Area Units Square Feet
Standard Status Active
Occupancy Type Owner
Tax Lot 11
Legal Description LTS 11 & 11A AMENDED PLAT HARBOUR ISLAND DUCK KEY PB6-84 OR576-344 OR578-572 OR795-344 OR1772-1236
Water View Gulf/Ocean to Bay
Water Access Type Gulf/Ocean to Bay
Minimum Lease No Minimum
Water Access Y/N true
Water View Y/N true
Flood Zone Code AE
In Law Suite YN false
DockY/N true
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Interior
Interior Amenities Beamed Ceilings Cathedral Ceiling(s) Ceiling Fan(s) High Ceilings Open Floorplan PrimaryBedroom Upstairs Solid Wood Cabinets Thermostat Window Treatments
Flooring Ceramic Tile Travertine
Furnished Y/N Furnished
Total Stories 3
Air Conditioning Y/N true
Heating Y/N true
Window Features Shades Window Treatments
Fireplace Y/N false
Half Baths 0
Laundry Features Inside
Total Bedrooms 4
Total Baths 3
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Exterior
Exterior Amenities Balcony Irrigation System Lighting Outdoor Grill Private Mailbox Rain Gutters Sliding Doors Storage
Water Source Public
Lot Size Area 12197
Foundation Details Other
Building Area Total 3860
Lot Size Acres 0.28
Road Surface Type Paved
Private Pool true
Waterfront Y/N true
Covered Spaces 1
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* Excluded Features
List By
The High Tide Group

Broker

lindaivey20@gmail.com

Email

Affordability Calculator

$32,785
Per Month
95%
5%
0%
Monthly Principal & Interest
$31,080
Monthly Property Taxes
$1,705
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 7.375% 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. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
4827338 Elementary School
4827337 Middle School
Unknown High School High School
Pricing History
DatePricePrice ChangeDescription
10/14/2026$4,500,000 Listed Price

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422 HARBOUR DRIVE, Duck Key, FL, 33050 is a Single Family Home for sale at $4,500,000 with 2,620 sqft and a lot size of 0.28. 422 HARBOUR DRIVE has 4 bedrooms, 3.0 baths, and was built in 1985. The property's zip code is 33050 which is in Duck Key, FL