88500 overseas hwy

Tavernier, FL 33070

$525,000

2Beds

1.5Baths

—Sq ft

1976Year built

CondoType

About this home

autifully Updated Bayfront Condo in Summer Sea 108 – Tavernier, FL Enjoy relaxed Florida Keys living in this beautifully remodeled 2-bedroom, 1.5-bath first-floor corner unit located in the sought-after Summer Sea Condominium community in Tavernier. Just steps from the marina and Florida Bay, this private-entry residence offers a peaceful setting with a blend of coastal charm and modern updates. The thoughtfully designed interior features porcelain wood-look tile flooring, granite countertops, stainless steel appliances, and a unique custom driftwood breakfast bar. The open living and dining area is warm and inviting, complemented by tasteful furnishings and natural light throughout. Both bedrooms offer water views, and the spacious layout comfortably accommodates family and guests alike. The community has successfully completed its milestone inspection and continues to show pride of ownership with numerous recent improvements, including two new elevators, a new composite dock, newly remodeled poolside bathrooms, and storm rated windows — all completed with no special assessments Summer Sea is a gated bayfront community known for its resort-style amenities, including a heated and cooled waterfront pool, children’s pool, rooftop sunset deck, marina, fitness room, game room, and sandy shoreline perfect for enjoying the beautiful Florida Keys sunsets. Conveniently located near restaurants, shopping, fishing, diving, boating, and all the outdoor activities we are famous for.

Features

Waterfront

Property details

Listing

MLS #: A12029048
Status: For sale
Listed on: Jun 1, 2026
Days on market: 70 days
Listing data updated: Jun 19, 2026

Interior

Beds: 2
Baths: 1.5
Unit: 108

Building & community

Type: Condo
Year built: 1976
HOA fee: $937/mo
County: Monroe

Lot & exterior

Waterfront: Yes

Days on market, price per ft² and the monthly HOA amount are calculated by this site from the MLS data shown; the association fee is normalized to a monthly figure.

True monthly cost

Mortgage (principal & interest): $2,655
Property taxes (est.): $482
Home insurance (est.): $433
Flood insurance (est.): —
HOA fee: $937

Estimated total$4,507*/mo

* Some cost lines aren't available yet for this listing; the total shown is incomplete.

Based on 20% down, a 6.5% rate and a 30-year loan, plus this home's estimated Florida carrying costs. All figures are illustrative estimates — not quotes, not financial or insurance advice.

Sources: flood zone — FEMA National Flood Hazard Layer; mortgage, taxes and insurance figures — this site's own estimates; HOA / CDD — as reported for this listing.

What will this home really cost you?

Building structural health (SIRS)

No filing record found

We couldn't find a SIRS filing record for this building in Florida's public DBPR database. That is not a red flag by itself: buildings under three stories are exempt, recent or mailed-in filings may not appear yet, and the name or address on file may differ from this listing.

Questions about this

What is a SIRS and why does it matter?

Since the Surfside collapse, Florida requires condo and co-op buildings three stories or taller to complete a Structural Integrity Reserve Study: an inspection-based plan that forces the association to fund structural repairs (roof, load-bearing walls, plumbing, electrical) instead of deferring them. It matters because underfunded buildings are the ones that surprise owners with large special assessments.

Has this building filed its SIRS?

We didn't find a filing record for this building in the DBPR's public database. Absence of a record does not mean the building is out of compliance — it may be exempt (under three stories), the filing may be recent or on paper, or the recorded name/address may differ. It IS the right question to ask before offering.

What is a special assessment?

A one-off charge the association levies on every owner when reserves don't cover a needed repair — in older coastal buildings they have ranged from a few thousand to over $100,000 per unit. The SIRS exists precisely to make these predictable and funded in advance. Always review the building's budget, reserves and meeting minutes before buying.

What should I check before buying in this building?

Florida law gives buyers the right to review the association's SIRS, milestone inspection reports, budget and reserves — the full study is available from the association by written request. Nilyan requests and walks through these documents with her buyers as part of the offer process.

Source: Florida DBPR public SIRS reporting database. Filing status is self-reported by the association; this is not an audit, inspection or safety certification, and absence of a record does not mean non-compliance. Data as of July 30, 2026.

Want the full structural picture of this building before you offer?