Waterfront - Seller Financing
Address
22542 Jolly Roger, Lower Keys, FL
Price
$ 1,725,000
Property Attributes
- MLS#A12076889
- TypeSingle Family
- Listing Status Active
- CountyMonroe
- CityLower Keys
- Area98 Florida Keys
- NeighborhoodCUTTHROAT HARBOR ESTS
- Zip33042
- Style
- Year Built1982
- Taxes$ 12646
- Price$ 1,725,000
- Bedrooms4
- Full Bathrooms4
- Half Bathrooms0
- Sqr Footage2440
Data Source:
Southeast Florida MLS (SEFMLS)
Property Description
Oceanfront living on Cudjoe Key, where broad covered balconies, generous outdoor space, and a private boat launch put Keys waterfront life within reach. This four-bedroom, three-bath home is a study in coastal architecture -- large impact glass doors and windows frame open water views and pull natural light into every room. Soaring 26' ceilings and rich wood beams anchor the open-concept main level, which includes a renovated kitchen, dining space, living room, laundry, and two bedrooms with two full baths. Upstairs, a third bedroom sits at the top of the stairs, and a catwalk leads to the fourth bedroom with ensuite bath and a walkout deck framing panoramic open water views. The home has been restored to its former glory with modern updates layered in -- rustic accents meet open, light-filled spaces that let the oceanfront setting do the talking. Adjacent lot also available for even more ocean enjoyment. Seller financing available: 50% down, 6% for 15 years, no flood or wind insurance required. This home needs to be seen to be fully appreciated. Schedule your showing today.
| Price History | |
|---|---|
| 9/17/2026 | Listed $1,725,000 |
General Features
| Sewer | Public Sewer |
|---|---|
| Heating | Central |
| Cooling | Central Air,Ceiling Fan(s) |
| Possession | Close Of Escrow |
| Roof | Metal |
| Appliances | Dryer,Dishwasher,Refrigerator,Wine Cooler,Washer |
| Patio/Porch Features | Balcony,Deck,Open,Porch |
| Architectural Style | Detached,Two Story |
| Pool Features | None |
| Restrictions | Other Restrictions |
| Construction Materials | Frame |
| Year Built | 1982 |
| View | Ocean |
| Stories Count | 2 |
| Levels | Two |
| Property Subtype | Single Family Residence |
| Tax Year | 2025 |
| Waterfront Features | Ocean Front |
| County | Monroe |
| Property Type | Residential |
| Subdivision Name | CUTTHROAT HARBOR ESTS |
| Facing Direction | South |
| Garage Y/N | false |
| Full Baths | 4 |
| Special Listing Conditions | Listed As-Is |
| Status | Active |
| City | Lower Keys |
| Disclosures | Flood Plain Disclosure |
| Senior Community Y/N | false |
| Zoning Description | is |
| MLS Area | 98 Florida Keys |
| Lot Size Units | Square Feet |
| Lot Size Square Feet | 6930 |
| Carport Spaces | 4 |
| Carport Y/N | true |
| Listing Terms | Owner May Carry |
| Year Built Details | Unknown |
| Tax Annual Amount | 12646 |
| MLS Area Minor | Other Geographic Area (Out Of Area Only) |
| Lease Considered Y/N | false |
| Virtual Tour | https://www.propertypanorama.com/instaview/mia/A12076889 |
| Standard Status | Active |
| Occupancy Type | Owner |
| Property Sub Type Additional | Single Family Residence |
| PostalCity | Lower Keys |
| Legal Description | BK 19 LT 36 CUTTHROAT HARBOR ESTATES CUDJOE KEY PB4-165 OR222-580 OR781-1811D/C OR781-1812/14 OR781-1815 OR781-1818/19 OR804-659 OR832-479 O |
Interior Features
| Interior Amenities | Built-in Features,Entrance Foyer,First Floor Entry,Vaulted Ceiling(s),Walk-In Closet(s) |
|---|---|
| Flooring | Tile |
| Furnished Y/N | Unfurnished |
| Air Conditioning Y/N | true |
| Heating Y/N | true |
| Total Bedrooms | 4 |
| Total Baths | 4 |
Exterior Features
| Exterior Amenities | Balcony,Deck,Porch,Room For Pool |
|---|---|
| Parking Features | Covered,Other |
| Lot Features | < 1/4 Acre |
| Water Source | Public |
| Lot Size Area | 6930 |
| Frontage Length | 60 |
| Waterfront Y/N | true |
| Covered Spaces | 4 |
Amenities
- Foreclosure
- Views
- Short Sale
- New Construction
- Adult 55+
- Lease To Own
- No HOA Fees
- Furnished
- Primary On Main
- Air Conditioning
- Seller Finance
- Green
- Fixer Upper
- Horse
- Golf
- Fireplace
- Deck
- Garage
- Basement
- Pool
Property vs Single Family Average in 33042
Price
Taxes
Year Built
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All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Updated on September 17, 2026 8:02 PM UTC
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Data Last Updated: September 17, 2026 9:18 PM UTC
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All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data relating
