Welcome to this beautifully updated canal-front home in the highly desirable Jolly Roger Estates on Little Torch Key! Offering 3 bedrooms, 2 baths, 1,170 sq ft of living space plus a 110 sq ft flex/office area, this meticulously maintained waterfront home features a desirable split floor plan with an open layout, remodeled kitchen with quartz countertops and LG ThinQ refrigerator and range, large pantry/storage closet, extra built-in cabinets, updated bathrooms with new vanities, fixtures and flooring, new light fixtures and ceiling fans, new luxury vinyl plank flooring throughout, office/flex space overlooking the canal, master suite w/ huge 9'x7' closet, guest room with built-in queen Murphy bed and storage, multiple washer/dryer hookups, and five individual mini-split A/C units for room-by-room comfort. Outdoor features include a metal roof (2017), 60' concrete seawall with 14,000 lb boat lift, deep and wide flow-through canals, no bridges to open water with an under five-minute idle zone out, large outdoor bar and kitchen with built-in KitchenAid grill, screened porch, outdoor shower, privacy-fenced yard, large storage area, oversized parking, 50 amp RV hookup, generator-ready setup, and plenty of room for a pool. Enjoy endless sunset views over the protected salt ponds with no front neighbors (ever!) and an east-facing backyard perfect for sunrise coffees and cooler afternoons! Ideal as a primary residence, vacation home, or investment. Low-cost transferable flood insurance available. Owner is a licensed Florida Realtor(r). No sign on property.
For sale
Price cut: $1K (1/27)
$1,199,000
417 Pirates Rd, Little Torch Key, FL 33042
3beds
1,280sqft
Est.:
Single Family Residence
Built in 2001
6,098.4 Square Feet Lot
$1,138,700 Zestimate®
$937/sqft
$3/mo HOA
What's special
Beautifully updated canal-front homeOversized parkingLarge storage areaPrivacy-fenced yardMeticulously maintained waterfront homeScreened porchExtra built-in cabinets
- 10 days |
- 543 |
- 27 |
Zillow last checked: 8 hours ago
Listing updated: January 27, 2026 at 08:07am
Listed by:
Maggie Beall 305-432-0949,
Lokation Real Estate
Source: FLKMLS,MLS#: 618340
Originating MLS: Marathon/Lower Keys
Originating MLS: Marathon/Lower KeysTour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Heating
- Ductless, Zoned, Electric
Cooling
- Ductless
Appliances
- Included: Washer, Stainless Steel Appliance(s), Freezer, Microwave, Oven, Range, Refrigerator, Dishwasher, Dryer
- Laundry: Laundry Room
Features
- Quartz Countertops, Built-in Cabinets, Whirlpool Bath Tub, Walk-In Closet(s), Storage, Pantry, Split Bedroom, Other Specialty Room, Sun/Florida Room
- Flooring: Vinyl
- Windows: Drapes/Blinds Incl, Single Hung Windows, Impact Rstnce Window, Accordion
Interior area
- Total interior livable area: 1,280 sqft
Property
Parking
- Parking features: Open, Trailer Storage, Covered, RV Parking Open, Off Street
- Has uncovered spaces: Yes
Features
- Patio & porch: Open Porch/Balcony, Deck, Screened P/B
- Exterior features: Bar, Storage, Outdoor Shower, Outdoor Kitchen, Lighting, Built-in Barbecue
- Fencing: Privacy,Fenced
- Has view: Yes
- View description: Canal, Salt Ponds
- Has water view: Yes
- Water view: Canal,Salt Ponds
- Waterfront features: Canal Front, Salt Ponds, Waterfront, Seawall: Concrete, Dock Length: 60, Dockage: Davits, Boat Lift
Lot
- Size: 6,098.4 Square Feet
- Dimensions: 60 x 100
- Features: Less Than 1/4 Acre
- Residential vegetation: Fruit Tree(s)
Details
- Parcel number: 00215250000000
- Zoning: IS
- Zoning description: Improved Subivision District
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Single Family Residence
Materials
- Roof: Metal
Condition
- Updated/Remodeled
- New construction: No
- Year built: 2001
Utilities & green energy
- Electric: Elect Separate Meter
- Sewer: Public Sewer
- Water: Water Separate Meter
- Utilities for property: FKAA, Buyer to Verify
Community & HOA
Community
- Security: Smoke Detector(s)
- Subdivision: Jolly Roger Estates (28.5)
HOA
- Has HOA: Yes
- Services included: None
- HOA fee: $40 yearly
Location
- Region: Little Torch Key
Financial & listing details
- Price per square foot: $937/sqft
- Tax assessed value: $829,072
- Annual tax amount: $5,070
- Date on market: 1/27/2026
- Listing terms: Cash,FHA,VA Loan,Conventional
Estimated market value
$1,138,700
$1.08M - $1.20M
$5,400/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 1/27/2026 | Price change | $1,199,000-0.1%$937/sqft |
Source:  MLKAR #618340 Report a problem | ||
| 12/23/2025 | Listed for sale | $1,200,000+126.4%$938/sqft |
Source: Owner Report a problem | ||
| 3/24/2021 | Listing removed | -- |
Source: Owner Report a problem | ||
| 2/20/2018 | Listing removed | $4,300$3/sqft |
Source: Owner Report a problem | ||
| 1/19/2018 | Listed for rent | $4,300$3/sqft |
Source: Owner Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $5,071 +5.3% | $526,013 +2.9% |
| 2024 | $4,817 +4.4% | $511,189 +3% |
| 2023 | $4,616 +2.7% | $496,300 +3% |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$6,998/mo
Principal & interest
$5756
Property taxes
$819
Other costs
$423
Climate risks
Neighborhood: 33042
Nearby schools
GreatSchools rating
- 5/10Sugarloaf SchoolGrades: PK-8Distance: 8.9 mi
- 4/10Key West High SchoolGrades: 9-12Distance: 25.6 mi
Open to renting?
Browse rentals near this home.
- Loading
- Loading
