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$4,500,000

422 Harbour DriveDuck Key, FL 33050

Listing updated: October 15, 2026 at 6:48 AM ET

Active

Listing courtesy of The High Tide Group · Linda Ivey · MLS #NS1089477 · Active · 386-682-0992

Beds

Baths

2,620

Sq Ft

0.28

Acres

1985

Built

◆Waterfront◆Water access◆Private pool◆$1,718/sqft

Single Family Residence

Property type

1985

Year built

12,197 sqft

Lot size

$1,718

Price / sq ft

No HOA

HOA dues

Day on market

Garage space

Flood zone

About this home

There are places where the water is part of the view. And then there's Duck Key, where it shapes the entire way of life. Set in the heart of the Florida Keys, this two-story waterfront residence brings together thoughtful living spaces, beautiful open-water scenery, and everything that makes island life so distinctive. The home offers four bedrooms and three bathrooms, surrounded by lush landscaping and designed to make the most of its waterfront setting. Outside, the property really comes into its own. A private pool, beach area, and dock put the water at the center of every day. And for boaters, the details matter: A 30,000-pound boat lift, a jet ski lift, a fish cleaning station, and steps leading right into the water. A morning offshore, an afternoon exploring the keys, or a quiet evening back at the pool. Here, those aren't special occasions. They're simply options. Upstairs, the open living kitchen areas are made for gathering, but the water remains the focal point with sliding glass doors that open to an expansive balcony that wraps around the upper level. The upper floor also includes the master bedroom with an ensuite bath, second bedroom and full bath in the hallway. Downstairs, a second living area, kitchenette, two additional bedrooms, and another full bathroom create a flexible layout for family and guests. From the lower level, step outside to the balcony, pool, beach and dock. Beyond the property, Duck Key has its own distinctive appeal. Join the optional Duck Key clubhouse for a pool, tennis, pickleball, and events, or Hawks Cay Resort for its Michelin-rated Salt and Ash restaurant, saltwater lagoon, Dolphin Connection, and pools.

Estimated monthly payment

Principal & interest$22,754

Property taxes$1,705

Home insurance (est.)$2,063

Down payment

20%

$900,000 downRate

6.5%

Term

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history1 days on market

Status: Active
Oct 14, 2026
Listed$4,500,000
Oct 14, 2026

Facts & features

Property type: Residential
Sub type: Single Family Residence
Status: Active
Days on market: 1
Subdivision: Harbour Island Amd
County: Monroe
Year built: 1985
Living area: 2,620 sq ft
Price/sq ft: $1,718
Building area: 3,860 sq ft (Public Records)
Lot size: 12,197 sq ft
Lot category: 1/4 to less than 1/2
Flood zone: AE
Garage: 1 spaces
Pool: Private pool
Annual taxes: $20,458 (2025)
Parcel #: 00376951-001100
Zoning: IS-M
MLS #: NS1089477

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Interior Details

Bedrooms: 4
Full bathrooms: 3
Flooring: Ceramic Tile, Travertine
Appliances: Built-In Oven, Cooktop, Dishwasher, Disposal, Electric Cooktop, Electric Water Heater, Freezer, Microwave, Range, Refrigerator, Washer, Wine Refrigerator
Interior features: Beamed Ceilings, Cathedral Ceiling(s), Ceiling Fans(s), High Ceilings, Open Floorplan, PrimaryBedroom Upstairs, Solid Wood Cabinets, Thermostat, Window Treatments
Laundry: Inside
Stories / Levels: Two
Direction faces: East

Heating & Cooling

Heating: Central, Electric
Cooling: Central Air

Parking

Garage spaces: 1
Attached garage: Yes

HOA & Financial

Total monthly fees: None
Total annual fees: None
CDD: No
Min lease term: No Minimum
Listing terms: Cash, Conventional
Ownership: Fee Simple
Available for lease: Yes
Lease restrictions: No

Exterior & Construction

Exterior features: Balcony, Lighting, Outdoor Grill, Private Mailbox, Rain Gutters, Storage
Construction materials: Block
Roof: Metal
Foundation: Other
Pool: Private pool
Waterfront: Yes
Water access: Yes
Water view: Yes
Road surface: Paved

Utilities

Sewer: Public Sewer
Water source: Public
Utilities: BB/HS Internet Available, Cable Connected, Electricity Connected, Public, Sewer Connected, Underground Utilities, Water Connected

Community

Pets allowed: Yes

Room Details

Room	Level	Dimensions
Primary Bedroom	Second	15x18
Bathroom 2	Second	13x19
Bedroom 3	First	14x15
Bedroom 4	First	13x10
Living Room	Second	22x26
Kitchen	Second	16x8
Balcony/Porch/Lanai	Second	11.5x55
Living Room	First	17x23
Dinette	First	15.5x10
Balcony/Porch/Lanai	First	11x50

Listing Details

Listing date: 2026-10-12
On market date: 2026-10-14
Original list price: $4,500,000
Occupant type: Owner
MLS area: 33050 - Marathon
Listing AOR: Orlando Regional
Home warranty: Yes
Status changed: 2026-10-14
Tax legal description: LTS 11 & 11A AMENDED PLAT HARBOUR ISLAND DUCK KEY PB6-84 OR576-344 OR578-572 OR795-344 OR1772-1236

Flood risk

High riskFEMA Zone AE

FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

Overseas Highway to the Duck Key Dr entrance. Stay on Bimini Dr and turn right onto Harbour Dr. Home is on the left.

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Listings courtesy of Stellar MLS as distributed by MLS GRID

IDX information is provided exclusively 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.

Based on information submitted to the MLS GRID as of October 15, 2026 at 6:48 AM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.

Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA