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Pedro Casanova

| The KREN Group | Keller Williams Premier Properties | PLACE

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437 Pirates Rd , Little Torch Key, FL 33042
$895,000
Est. Payment: $4,517.13/mo
3 Bed
2 Bath
1296 Sqft
Status: active | Days on site: 150
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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House Description

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.

Highlights

Listed by Jo Ann Cook , 305-360-7968 Ocean Sotheby's International , 305-735-4095. REALTOR Association of Greater Miami and the Beach

Property Type

Residential

Lot/Acreage
0.14

Year Built

2015

County

Monroe

Area

98 Florida Keys

Neighborhood

Jolly Roger Estates

Listing ID

A11998100

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Built-In Oven, Dryer, Dishwasher, Electric Range, Electric Water Heater, Disposal, Microwave, Refrigerator, Washer
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Floor:Tile
Other:Second Floor Entry,Workshop
Other:Public

Exterior Features

Lot:< 1/4 Acre
Zoning:is
Roof:Metal
Others:Balcony,Deck
Sewer:Public Sewer
Parking Features:Driveway
Principal Interest
$4,517
Taxes
$623

Home Price

$895,000

Loan Details

30 yrs
6.482%

Down Payment

20%
$179,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$4,517.13

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,517.13 $623.17 $0.00 $5,140.30
Yearly $54,205.61 $7,478.00 $0.00 $61,683.61
Total $1,626,168.45 $224,340.00 $0.00 $1,850,508.45

Today's Rates

30 Year

6.48%

20 Year

6.26%

15 Year

5.94%

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Market insight data is pulled from the same city as the listing being viewed (Little Torch Key, FL).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by REALTOR Association of Greater Miami and the Beach, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-02T02:00:00.000Z

© 2026 REALTOR Association of Greater Miami and the Beach