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For sale
  • $949,000

    437 Pirates Rd, Little Torch Key, FL 33042

    3beds
    1,296sqft
    : 
    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
    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.
    22 days
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    1,141
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    39
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    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#: 617906MLS LogoOriginating 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

    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
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    Estimated market value

    $915,100

    $869,000 - $961,000

    $5,755/mo

    Price history

    Price history
    DateEventPrice
    1/2/2026Listed for sale$949,000-2.6%$732/sqft
    Source: MLKAR #617906 Report a problem
    1/1/2026Listing removed$974,000+0.5%$752/sqft
    Source: MIAMI #A11877522 Report a problem
    11/5/2025Price change$969,000-0.5%$748/sqft
    Source: Key West AOR #615353 Report a problem
    10/13/2025Price change$974,000-0.5%$752/sqft
    Source: Key West AOR #615353 Report a problem
    8/18/2025Price change$979,000-1%$755/sqft
    Source: MLKAR #615353 Report a problem

    Public tax history

    Public tax history
    YearProperty taxesTax 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

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