About This Home

This 3-bedroom, 1-bathroom single family at 27322 Saint Martin Lane in Ramrod Key, FL is listed for $985,000 ($824 per sqft). Built in 1974, the home offers 1,196 sqft of living space on a 0.13 acres lot.

Key Features

  • Built in 1974
  • 0.13 acre lot
  • Waterfront

Property Details

1 full
1974

Amenities

WaterfrontA/CRV Parking
Listing Description

Discover exceptional peace of mind in this meticulously maintained, upgraded & truly move-in-ready waterfront home! Thoughtfully improved with an emphasis on quality, efficiency & storm protection, this property offers island living without the immediate expense & hassle of major renovations.

The wide-open floor plan showcases beautiful soaring wood ceilings, a stunning slate accent wall, custom solid wood doors & LifeProof plank flooring throughout. The updated kitchen features custom solid maple cabinetry with soft-close drawers, quartz countertops & new appliances, while the beautifully renovated bathroom boasts floor-to-ceiling porcelain tile with designer details.

Freshly painted & exceptionally well cared for, this home features a new 3-ton, 18 SEER Daikin Fit HVAC system with all-new ductwork & 4 years of remaining warranty. The 2023 metal roof includes reinforced roof-to-wall attachments, secondary water resistance & high-density foam insulation.

Impact windows & doors, supplemented by additional shutters, provide multiple layers of storm protection. Boaters will appreciate 51' of dockage (35' concrete & 16' wood), a 10,000 lb boat lift installed in 2024 & quick access to Looe Key Reef, world-class fishing, diving, the backcountry, sandbars & waterfront dining.

Enjoy beautiful sunsets & salt pond views from the rear deck, with no immediate neighbors directly in front or behind. Additional features include an outdoor shower, 50-amp RV/EV hookup & abundant parking for boats, RVs & trailers. The spacious property offers tremendous flexibility for future expansion, including room for a pool, additional living space or reconfiguration into a 2/2 or potentially 3/2 layout.

The downstairs area also offers potential for FULL enclosure. Whether seeking a full-time residence or island getaway, this is an exceptional opportunity to own a beautifully maintained, extensively improved waterfront property that's ready to enjoy from day one! Windstorm-$3,894, HO-$650 +/-

Monthly Cost Estimate

$5,268/mo

20% down · 6.5% · 30 years

Principal$712
Interest$4,268
Insurance$287

Estimates only. Actual payments may vary.

Location

27322 Saint Martin Lane

Ramrod Key, FL 33042

Breezeswept Bch Est (27.5)

Features & Amenities

Interior Features

StorageQuartz Countertops

Exterior Features

FencingLanaiOutdoor ShowerPrivacy Wall/Fence

Property Details

Flooring

Wood

Construction

CBS Concrete

Outdoor Features

PatioPorchDeck

Parking

RV

Heating

Central

Cooling

Central Air

Appliances

WasherDryerDishwasherRefrigeratorRangeOvenStainless Steel Appliance(s)

Questions & Answers

This 3-bedroom, 1-bathroom single family at 27322 Saint Martin Lane is listed at $985,000 ($824/sqft). The estimated monthly payment is $5,268 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance.

Key features include: Built in 1974, 0.13 acre lot, Waterfront. Interior Features: Storage, Quartz Countertops. Exterior Features: Fencing, Lanai, Outdoor Shower.

This property is listed by Brian Kruszewski.

BK

Brian Kruszewski

Agent at LoKation Real Estate

Listed by LoKation Real Estate · Broker phone: (954) 545-5583 · View on Broker Site · Broker website

MLS# 621638· Source: Key West Association of Realtors· 15 days on PropertySimple

Copyright © 2026 Key West Association of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

27322 Saint Martin Lane, Ramrod Key, FL 33042

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