88500 Overseas Hwy

Tavernier, FL 33070

$499,900

$630/ft²

2Beds

1.5Baths

794Sq ft

1976Year built

CondoType

About this home

Welcome to Summer Seas Condominium in beautiful Tavernier! This well-maintained 2-bedroom, 1.5-bath residence offers the perfect opportunity to enjoy the Florida Keys lifestyle. Featuring a bright and functional floor plan, the unit provides comfortable living spaces, abundant natural light, and a relaxed coastal atmosphere. Located in a gated waterfront community on the bay side of the Keys, Summer Seas offers an impressive array of amenities, including a heated swimming pool, clubhouse, marina, boat dockage (subject to availability), kayak and paddleboard storage, picnic areas, and stunning sunset views. Residents enjoy easy access to world-class fishing, boating, diving, and local dining. Whether you're seeking a primary residence, vacation retreat, or investment opportunity, this condo places you in the heart of Tavernier, just minutes from shopping, restaurants, parks, and all the attractions the Florida Keys have to offer. Don't miss your chance to own a piece of paradise in one of Tavernier's most desirable waterfront Call Listing Agent

Features

Waterfront

Property details

Listing

MLS #: A12039069
Status: For sale
Listed on: Jun 17, 2026
Days on market: 54 days
Listing data updated: Jul 23, 2026

Interior

Beds: 2
Baths: 1.5
Living area: 794 ft²
Price per ft²: $630/ft²
Unit: 208

Building & community

Type: Condo
Year built: 1976
HOA fee: $950/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): $2,528
Property taxes (est.): $458
Home insurance (est.): $317
Flood insurance (est.): —
HOA fee: $950

Estimated total$4,253*/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?