# 27322 Saint Martin Lane, Ramrod Key, FL 33042 > **TL;DR:** 3bd/1ba single family, $985,000 ($824/sqft), built 1974, 1,196 sqft. > Waterfront, A/C, RV Parking. Est. $5,268/mo. Listed 18 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $985,000 | | Price/sqft | $824 | | Bedrooms | 3 | | Bathrooms | 1 full | | Square Feet | 1,196 | | Year Built | 1974 | | Lot Size | 5,663 sqft (0.13 acres) | | Property Type | Single Family (Single Family Residence) | | Status | Active | | Days on Market | 18 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $4,981 | | Estimated Insurance | $287 | | **Total** | **$5,268** | ## Key Amenities - Waterfront - A/C - RV Parking ## Property Highlights - Built in 1974 - 0.13 acre lot - Waterfront ## Description ### Agent 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 +/- ## Location - **Address:** 27322 Saint Martin Lane, Ramrod Key, FL 33042 - **County:** Monroe - **Neighborhood:** Breezeswept Bch Est (27.5) - **Coordinates:** 24.656908, -81.406534 - **Google Maps:** https://www.google.com/maps?q=24.656908,-81.406534 ## Listing Agent - **Name:** Brian Kruszewski - **Brokerage:** LoKation Real Estate - **Broker Phone:** (954) 545-5583 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/27322-Saint-Martin-Ln_Ramrod-Key_FL_33042_M55449-27655?f=listhub&s=KWARFL&m=621638&c=propsimple) ## Photos ![27322 Saint Martin Lane - Photo 1](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f1991094733r.jpg) ![27322 Saint Martin Lane - Photo 2](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f2249532593r.jpg) ![27322 Saint Martin Lane - Photo 3](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f2461716705r.jpg) ![27322 Saint Martin Lane - Photo 4](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f564367190r.jpg) ![27322 Saint Martin Lane - Photo 5](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f2804714054r.jpg) ![27322 Saint Martin Lane - Photo 6](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f1883332725r.jpg) ![27322 Saint Martin Lane - Photo 7](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f4210611351r.jpg) ![27322 Saint Martin Lane - Photo 8](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f1136957012r.jpg) ![27322 Saint Martin Lane - Photo 9](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f2852587746r.jpg) ![27322 Saint Martin Lane - Photo 10](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f4152946278r.jpg) ![27322 Saint Martin Lane - Photo 11](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f2165371624r.jpg) ![27322 Saint Martin Lane - Photo 12](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f3153055637r.jpg) ![27322 Saint Martin Lane - Photo 13](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f772522404r.jpg) ![27322 Saint Martin Lane - Photo 14](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f4227031972r.jpg) ![27322 Saint Martin Lane - Photo 15](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f4292144601r.jpg) ![27322 Saint Martin Lane - Photo 16](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f1059112851r.jpg) ![27322 Saint Martin Lane - Photo 17](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f4266467426r.jpg) ![27322 Saint Martin Lane - Photo 18](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f1279123393r.jpg) ![27322 Saint Martin Lane - Photo 19](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f1931470826r.jpg) ![27322 Saint Martin Lane - Photo 20](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f2113254217r.jpg) ![27322 Saint Martin Lane - Photo 21](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f1757959601r.jpg) ![27322 Saint Martin Lane - Photo 22](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f2279613440r.jpg) ![27322 Saint Martin Lane - Photo 23](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f1060829659r.jpg) ![27322 Saint Martin Lane - Photo 24](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f3365389034r.jpg) ![27322 Saint Martin Lane - Photo 25](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f507754919r.jpg) ![27322 Saint Martin Lane - Photo 26](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f1948667301r.jpg) ![27322 Saint Martin Lane - Photo 27](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f1556622584r.jpg) ![27322 Saint Martin Lane - Photo 28](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f890113919r.jpg) ![27322 Saint Martin Lane - Photo 29](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f3352021643r.jpg) ![27322 Saint Martin Lane - Photo 30](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f2641368066r.jpg) ![27322 Saint Martin Lane - Photo 31](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f1944980842r.jpg) ![27322 Saint Martin Lane - Photo 32](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f3514817924r.jpg) ![27322 Saint Martin Lane - Photo 33](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f1836298349r.jpg) ![27322 Saint Martin Lane - Photo 34](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f1545144538r.jpg) ![27322 Saint Martin Lane - Photo 35](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f831193944r.jpg) ![27322 Saint Martin Lane - Photo 36](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f1185375857r.jpg) ![27322 Saint Martin Lane - Photo 37](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f2029005744r.jpg) ![27322 Saint Martin Lane - Photo 38](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f2655485336r.jpg) ![27322 Saint Martin Lane - Photo 39](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f2501901513r.jpg) ![27322 Saint Martin Lane - Photo 40](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f458136209r.jpg) ![27322 Saint Martin Lane - Photo 41](http://lh.rdcpix.com/9fa4744abe679c664712a22c382914f7l-f4292092368r.jpg) --- **MLS#:** 621638 | **Updated:** 2026-10-29 **Source:** listhub *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.* [View on PropertySimple](https://www.propertysimple.ai/listing/27322-saint-martin-lane-ramrod-key-fl-33042-e5463dc540a0433683eb40a21665fcc3) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/27322-saint-martin-lane-ramrod-key-fl-33042-e5463dc540a0433683eb40a21665fcc3#listing", "url": "https://www.propertysimple.ai/listing/27322-saint-martin-lane-ramrod-key-fl-33042-e5463dc540a0433683eb40a21665fcc3", "name": "27322 Saint Martin Lane, Ramrod Key, FL 33042", "description": "Discover exceptional peace of mind in this meticulously maintained, upgraded & truly move-in-ready waterfront home! 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