The November 2025 housing market numbers for Monroe County, which for real estate purposes largely reflect home sales in the Florida Keys, show a market doing two things at once. Inventory continues to build, giving buyers more choice, while buyer activity is clearly picking up at the same time. Closings are up, new pending sales are rising, and prices remain firm. That combination matters, because it suggests the market is not drifting or stalling, but actively sorting itself out.Key Market Highlights - November 2025 Active Inventory: 1,509 (▲ 5.1% compared to last year) Pending Inventory: 170 (▲ 27% compared to last year) Closed Sales: 119 (▲ 12% compared to last year) New Listings: 254 (▼ 7.0% compared to last year) New Pending Sales: 122 (▲ 16% compared to last year) Median Sale Pri... 12/22/2025

At the end of the day, buying in the Florida Keys is about more than the view. The view is easy to fall in love with. You want to feel just as good about how you’re buying the home.If you are planning to buy a home in the Florida Keys, financing tends to get treated as paperwork, but it deserves the same attention as the home search. You want to be in the right loan for your needs and comfortable that you’re not paying more than you should.Why this matters in the KeysMany buyers in the Florida Keys are second-home or out-of-state buyers. Some plan to use a property one way now and another way later. Those details can affect which loan structure makes sense, what documentation is required, and how costs show up over time. How the home will be used (primary, second home, future plans) can... 12/13/2025

The Federal Housing Finance Agency has released the 2026 conforming loan limits, and buyers in the Florida Keys will see a higher threshold for conventional financing. The Keys operate on a different price pattern than most Florida markets, so it helps to know how this affects your borrowing power. If you are planning a purchase, here is where to go if you are buying a home in the Keys.2026 Conforming Limit for Single Family HomesFor 2026, the conforming loan limit for a one unit home in the Florida Keys is $990,150. This limit applies to Monroe County, which covers Key Largo, Islamorada, Marathon, the Lower Keys, and Key West.Most other counties in Florida use the standard conforming limit of $832,750. The higher amount in the Florida Keys reflects the unique price structure of our loc... 12/01/2025

I recently put together a simple new page to make it easier for people to jump straight into the Islamorada listings. It connects smoothly with my main Islamorada search page on KeysListings.com and helps organize the way buyers explore this part of the Upper Florida Keys.Living in the Upper Keys since 1977 and being licensed since 1988, I focus on giving buyers and sellers clean, accurate paths to the most up-to-date local real estate information. This new page is a quick, easy-to-remember starting point for anyone exploring Islamorada homes for sale.If you’d like to take a look, here’s the new page:RealEstateIslamorada.comAnd here is the supporting blog post with a little more detail:https://www.keyslistings.com/blog/new-islamorada-real-estate-page/ 11/23/2025

Here’s a look at how the Florida Keys market performed this October. The post breaks down the year-over-year changes in active listings, pending sales, and overall pace as we move further into season.Full blog post: https://www.keyslistings.com/blog/florida-keys-real-estate-market-report-october-2025-jim-signor-lokation-real-estate/ 11/22/2025

Just Sold in Key Largo Ocean Resort – Unit 175 Closed for $845,000We just closed on Unit 175 in Key Largo Ocean Resort. The home sold on November 17, 2025 for $845,000. We had a few challenges along the way, but everyone stayed patient and focused. I’m grateful for a smooth finish for both sides.A Solid Closing in a Popular Waterfront CommunityKey Largo Ocean Resort continues to attract buyers looking for boating access, modern construction, security, and that laid-back Keys lifestyle. The community offers an abundance of amenities, including a marina and boat ramp, swimming pool, clubhouse, fitness center, tennis and pickleball courts, basketball court, children’s playground, and a gated entrance with on-site security.Homes here remain in steady demand, especially when they are clean, ... 11/19/2025

A 50-year mortgage sounds extreme—but in the Florida Keys, the real question is how long you plan to own the home and how the full cost fits your goals.I shared my perspective, local context, and an FAQ covering when a longer term might make sense for flexibility or investment strategy.Read the full post here → https://www.keyslistings.com/blog/should-you-consider-50-year-mortgage-florida-keys/ 11/11/2025

If you’re visiting or living in Marathon, FL, you’re in for a treat when it comes to dining. Nestled in the heart of the Florida Keys, Marathon offers an exciting variety of restaurants that capture the fresh flavors of the sea, island-inspired cuisine, and casual to fine dining experiences. Whether you’re craving fresh seafood, Caribbean flavors, or classic American dishes, Marathon has restaurants to satisfy every palate.In this guide, we’ll explore some of the top restaurants in Marathon, FL, highlighting what makes each spot unique. This will help locals and visitors alike discover the best places to eat in this beautiful coastal town.1. Keys FisheriesA staple for locals and tourists, Keys Fisheries is famous for its fresh seafood served in a casual, laid-back atmosphere. Known espe... 05/28/2025

If you're looking for a beautiful place to call home in the Florida Keys, Indigo Reef Marathon offers an exceptional opportunity. This gated resort-style community is highly sought-after for its prime location, upscale amenities, and stunning waterfront living. Whether you are a first-time buyer, a seasoned investor, or a seller wanting to maximize your property’s value, Indigo Reef is a destination worth exploring.Discover Indigo Reef Marathon: A Premier Waterfront CommunityIndigo Reef is a well-established, master-planned community located in Marathon, FL, right in the heart of the Florida Keys. Known for its vibrant marine lifestyle, lush landscaping, and private access to the Atlantic Ocean, Indigo Reef attracts those who crave both relaxation and adventure.This community offers a u... 05/28/2025

If you’re considering buying or selling a home in the Florida Keys, understanding the local real estate landscape is essential. As a local realtor deeply familiar with the unique characteristics of this beautiful island chain, I’ve compiled 20 facts about the Florida Keys to help you navigate the market confidently. Whether you’re a first-time buyer, an investor, or looking to sell, these insights will give you a solid foundation about what makes the Keys real estate market special.1. The Florida Keys are a unique chain of over 1,700 islands.Stretching about 120 miles from Key Largo to Key West, the Keys offer a wide variety of living options — from waterfront condos to historic cottages.2. The Keys are divided into Upper, Middle, and Lower regions.Each region has distinct neighborhoods... 05/23/2025

Key Colony Beach, located in the heart of the Florida Keys, is a charming island community known for its picturesque beaches, vibrant local culture, and relaxed atmosphere. If you're considering a move to this tropical paradise or simply looking for a place to stay while exploring the area, finding the right accommodation is key. For those who prefer a more intimate, budget-friendly lodging option, the key colony beach motel offers an ideal blend of comfort and convenience.As a local realtor, I’m excited to share the best beach motels in Key Colony Beach, FL—places that not only offer exceptional accommodations but also allow guests to experience the best of what this beautiful island has to offer.1. The Sunshine Key Colony Beach Motel Located just steps from the beach, The Sunshine Key... 04/18/2025

If you’re considering buying or selling property in the Florida Keys, you’ve likely already fallen in love with the area’s breathtaking natural beauty, laid-back atmosphere, and vibrant communities. One of the biggest draws of living in the Keys is its stunning coastline, home to some of the most picturesque beaches in Florida. Whether you’re dreaming of a beachside property or simply curious about the local lifestyle, the beaches in the Keys offer an unparalleled quality of life. Let’s explore the top 10 beaches that make this region so special.1. Fort Zachary Taylor Historic State Park (Key West) Located in Key West, Fort Zachary Taylor Historic State Park is known for its rich history and stunning waterfront views. The beach here offers a mix of sandy shores and rocky areas, perfect ... 04/18/2025

Discover Your Perfect Vacation Destination Are you looking for a place where family fun meets the beauty of nature, all in a friendly, relaxing atmosphere? Look no further than Key Colony Beach. Nestled in the heart of the Florida Keys, this small but vibrant community offers a unique blend of outdoor adventures, kid-friendly activities, and a welcoming environment for families of all sizes. Whether you’re planning a vacation or thinking about buying a home here, Key Colony Beach is a place where memories are made. 1. Stunning Beaches for Every Family Member Key Colony Beach is home to some of the most beautiful beaches in the Florida Keys. Families can enjoy the soft, white sand and crystal-clear waters of the Atlantic Ocean. Whether you’re lounging by the shore with a good book or bui... 03/25/2025

Marathon, Florida Real Estate Market Trends – October 2024Market Overview: 10-year Growth: Home values in Marathon increased by 175%, averaging 10.65% per year. Current Prices: Mid-2024 average home price exceeds $1 million, driven by high demand for waterfront properties. Annual Price Increase: Prices rose 1.8% last year, outpacing other regions. Buyer’s or Seller’s Market? Seller’s Market: More demand than supply, particularly for waterfront and luxury homes. Popular Among Out-of-State Buyers: Interest from New York, Washington D.C., and Boston remains strong due to warm weather and outdoor lifestyle. High Prices: Waterfront homes, especially in areas like Coco Plum, often exceed $1.5 million. Investment Outlook:Strong demand and rising prices make Marathon an attractive option for in... 10/14/2024

Escape to Paradise: Discover the Best Florida Keys Vacation Rentals, Marathon Boat & Jetski Rentals, and Seafaring Adventures Are you craving an unforgettable getaway to the breathtaking Florida Keys? Look no further than Coco Plum Vacation Rentals to assist you rent a home and assist your booking of Watersports for your dream island escape. Nestled in the heart of Marathon, Coco Plum offers the finest selection of vacation rentals and an array of top-notch boat and jetski rental vendors, ensuring your trip is nothing short of extraordinary. 1. Florida Keys Vacation Rentals: Your Home Away from Home Experience the epitome of island living with Coco Plum's exquisite Florida Keys vacation rentals. From charming beachfront cottages to luxurious oceanfront villas, each property is meticulo... 04/05/2024

Welcome to the beautiful Middle Keys, a charming destination between the Upper and Lower Keys of the Florida Keys archipelago. If you're planning a visit to this picturesque area, one of the first things you'll need to consider is where to stay. With a wide range of accommodation options, finding the perfect place to rest your head can be exciting and overwhelming. In this guide, we'll look at the best places to stay in the Middle Keys, catering to various preferences, budgets, and travel styles.Understanding the Middle KeysThe Middle Keys, comprising islands such as Marathon, Duck Key, and Grassy Key, offer a perfect blend of natural beauty, outdoor adventures, and laid-back island vibes. Located approximately midway between Key Largo and Key West, this region boasts pristine beaches, ... 03/08/2024

Boot Key is a pristine island offering an unparalleled blend of luxury, adventure, and tranquility. In this article, we'll explore the real estate opportunities in Boot Key, from vacant lots for your secluded retreat to condos and single-family homes for a more conventional yet comfortable living experience. Join us on a journey to discover the essence of Boot Key, Florida, and why it's the perfect place to call home.Unveiling the Allure of Boot KeySituated in the heart of the Florida Keys, Boot Key boasts a unique landscape that beckons those who appreciate the beauty of untouched nature. Its deep waters make it a haven for boating enthusiasts and water lovers alike. With its real estate market offering rare vacant lots, you have the chance to create your own off-grid paradise, far awa... 01/22/2024

Coco Plum, nestled in the heart of the Middle Keys, is where you'll find the iconic Bonefish Tower, a soaring 143-foot structure that proudly stands as the tallest building in the entire Florida Keys. While this charming haven was once largely untouched, recent decades have witnessed its transformation into a coveted residential gem within Marathon. Boasting expansive landscapes, crystal-clear canals, and a selection of elegant Coco Plum homes for sale, this locale has truly solidified its position as the go-to choice for luxurious living in the heart of Marathon.The Evolution of Coco Plum Real EstateIn days gone by, Coco Plum was a tranquil enclave characterized by vacant lands and a few quaint marinas and commercial fishing establishments. However, in recent years, Coco Plum Florida K... 01/22/2024

The charm of Marathon, FL, lies in its breathtaking natural beauty, crystal-clear waters, and thriving marine ecosystem that captivates visitors. Yet, Marathon offers more than just scenic landscapes; it's a haven for food enthusiasts, boasting a culinary paradise to explore. You'll find various dining experiences catering to every palate, from fresh seafood to mouthwatering steaks. It's a diverse culinary scene that ensures there's something for everyone to savor and enjoy. In this blog post, we'll take you on a culinary journey through the best restaurants in Marathon, FL, where you can indulge in exquisite dishes and savor the flavors of the Florida Keys.Why Dining in Marathon is an Experience Like No OtherWhen dining in Marathon, you're not just enjoying a meal but immersing yoursel... 01/11/2024

Florida Keys Waterfront Homes for Sale: A Paradise Unlike Any OtherEmbarking on the quest for your dream Florida Keys Waterfront homes for sale is more than just a transaction. It's about turning a lifelong dream into reality. Tucked snugly between the Atlantic Ocean and the Gulf of Mexico, the Florida Keys boast a unique blend of stunning natural beauty, a lively cultural scene, and an easygoing coastal lifestyle.So, in this guide, we won't bore you with real estate jargon. Instead, we'll take you on a journey through the fantastic world of Florida Keys waterfront homes for sale. We're here to help you navigate the real estate scene and discover that perfect slice of paradise you've dreamed of. Let's make finding your dream home as exciting as it should be!Exploring the Florida KeysDig... 12/18/2023