Offered in the highly sought-after Jolly Roger Estates, this beautifully maintained, one-owner canal-front home is just 11 years old and truly move-in ready. Elevated and thoughtfully designed, the 1,296 sq. ft. residence offers three bedrooms and two bathrooms, enhanced by refined finishes including crown molding, tray ceilings, tile showers, and a bright, open-concept living space ideal for coastal living. Built for both comfort and peace of mind, the home features a metal roof installed in 2018 along with impact-rated windows and doors throughout. Enjoy added privacy and nightly sunset views over the protected salt marsh directly across the street--an unspoiled natural backdrop that will never be developed. Boaters will appreciate the free-flowing, clear-water canal with excellent access to both the ocean and the bay. The private dock with a 7,000-lb side-lift boat elevator makes heading out for fishing, diving, or sunset cruises effortless. The spacious lot offers a large driveway, double covered parking, and ample room for boat trailers and additional vehicles. Downstairs, a full concrete pad and enclosed angler's room provide the perfect space for storing fishing gear, dive equipment, and all your island toys. Located near mile marker 28.5, Jolly Roger Estates is a peaceful, palm-lined waterfront community on the Atlantic side of Little Torch Key, offering direct access to Pine Channel and world-class boating, fishing, and diving at nearby Looe Key Reef. Just 24 miles from Key West, this exceptional property delivers the perfect blend of island tranquility and convenient access to dining, entertainment, and amenities--an ideal full-time residence, second home, or investment in the Florida Keys lifestyle.
For sale
$949,000
437 Pirates Rd, Little Torch Key, FL 33042
3beds
1,296sqft
Est.:
Single Family Residence
Built in 2015
6,098.4 Square Feet Lot
$915,100 Zestimate®
$732/sqft
$-- HOA
What's special
Three bedroomsDouble covered parkingSpacious lotTwo bathroomsPeaceful palm-lined waterfront communityElevated and thoughtfully designedTray ceilings
- 22 days |
- 1,141 |
- 39 |
Zillow last checked: 8 hours ago
Listing updated: January 02, 2026 at 02:33am
Listed by:
Jo Ann Cook 305-360-7968,
Ocean Sotheby's International,
Ally Kelley 727-459-0493,
Ocean Sotheby's International
Source: FLKMLS,MLS#: 617906
Originating MLS: Marathon/Lower Keys
Tour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Heating
- Central
Cooling
- Central Air, Ceiling Fans(s)
Appliances
- Included: Washer, Stainless Steel Appliance(s), Disposal, Microwave, Oven, Range, Refrigerator, Dishwasher, Dryer
Features
- Built-in Cabinets, Tray Ceiling(s), Walk-In Closet(s), Utility Room
- Flooring: Tile
- Doors: Impact Rstnce Doors
- Windows: Window Treatments, Impact Rstnce Window
Interior area
- Total interior livable area: 1,296 sqft
Video & virtual tour
Property
Parking
- Total spaces: 4
- Parking features: Guest, Trailer Storage, Covered, RV Parking Open, Off Street
- Has uncovered spaces: Yes
Features
- Patio & porch: Open Porch/Balcony, Deck
- Has view: Yes
- View description: Canal, Salt Ponds
- Has water view: Yes
- Water view: Canal,Salt Ponds
- Waterfront features: Canal Front, Salt Ponds, Waterfront, Dockage: Boat Lift
Lot
- Size: 6,098.4 Square Feet
- Features: Less Than 1/4 Acre
Details
- Additional structures: Workshop
- Parcel number: 00215230000000
- Zoning: IS
- Zoning description: Improved Subivision District
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Single Family Residence
Materials
- Hardi Board Siding
- Roof: Metal
Condition
- Year built: 2015
Utilities & green energy
- Electric: Elect Separate Meter
- Sewer: Municipal Sewer, Public Sewer
- Water: Water Separate Meter
- Utilities for property: FKAA, Cable Available, Cable Connected
Community & HOA
Community
- Security: Smoke Detector(s), Patrolled Area
- Subdivision: Jolly Roger Estates (28.5)
HOA
- Has HOA: No
- Services included: None
Location
- Region: Little Torch Key
Financial & listing details
- Price per square foot: $732/sqft
- Tax assessed value: $837,026
- Annual tax amount: $7,478
- Date on market: 1/2/2026
- Listing terms: Cash,VA Loan,Conventional
Estimated market value
$915,100
$869,000 - $961,000
$5,755/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 1/2/2026 | Listed for sale | $949,000-2.6%$732/sqft |
Source: | ||
| 1/1/2026 | Listing removed | $974,000+0.5%$752/sqft |
Source: | ||
| 11/5/2025 | Price change | $969,000-0.5%$748/sqft |
Source: | ||
| 10/13/2025 | Price change | $974,000-0.5%$752/sqft |
Source: | ||
| 8/18/2025 | Price change | $979,000-1%$755/sqft |
Source: | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $7,478 +8.3% | $724,183 +10% |
| 2024 | $6,907 +6.8% | $658,348 +11.6% |
| 2023 | $6,469 +15% | $589,862 +10% |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$5,545/mo
Principal & interest
$4565
Property taxes
$648
Home insurance
$332
Climate risks
Neighborhood: 33042
Nearby schools
GreatSchools rating
- 5/10Sugarloaf SchoolGrades: PK-8Distance: 8.9 mi
- 4/10Key West High SchoolGrades: 9-12Distance: 25.5 mi






