Waterfront home — 226 Normandy Drive · Blue Waters Tr Village Se · Tavernier
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Open property magazine$1,825,000
226 Normandy Drive, Tavernier, FL 33070
Tavernier, FL, 33070
3 bd · 3 ba · 2,658 sqft
Listed by Anchor Realty of FL, LLC.
226 Normandy Drive, Tavernier, FL 33070Waterfront home with 40 ft dockBoat length ~40 ft · preliminary
Listed by Anchor Realty of FL, LLC.
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Know your costs before you buy
Work through three numbers: your estimated monthly payment, the cash needed at closing, and insurance & flood.
Estimated Monthly Payment
20% down · 6.75% interest · 30-year loan · Jumbo loan
Jumbo loan: put down about $834,850 or more to stay conforming. What's different?
- A bigger down payment, often 10–20% or more
- A higher credit score, often 700+
- More cash reserves, often 6–12 months of payments
- Full income documentation, sometimes a second appraisal on large loans
Other options: Conforming first mortgage plus a home equity loan for the rest ("piggyback"); Portfolio or private bank loans; Cash. Each lender sets its own rules.
Principal, interest, taxes and insurance, HOA. Property Tax (after sale). Estimated; not a lender quote.
- Principal & interest
- $9,470/mo
- Property tax (after sale) est.
- $1,825/mo
- Homeowners insurance est.
- $760/mo
- HOA
- $42/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
226 Normandy Drive, Tavernier, FL 33070
Estimated cash to close est.
Not provided
Enter a purchase price, valid down payment and county — or .
Estimate only. Your lender's Loan Estimate and the title company's closing disclosure are the final numbers. Not financial advice.
Estimate only, not guaranteed. Verify before you buy or sell.
Loan amount (calculated): $1,460,000.00Jumbo loan
Above the 2026 $832,750.00 limit, so the daily jumbo rate is used. Put down about $992,250.00 or more to stay conforming.
Current site planning rate. Rate does not change the taxes or fees below. Prepaid interest is not included.
Edit closing costs & prepaids
Assumes both policies cover identical land and dates, with loan coverage within owner coverage—even if the seller pays owner title. Minimum lender premium $25. Turn off if not eligible. Endorsement allowance defaults to one $25 endorsement; actual requirements and premiums vary (Florida 69O-186.005).
Appraisal starts at $650. Waterfront and luxury homes may require a higher fee; confirm with your lender.
Tax uses existing ZIP estimates (after sale); insurance uses existing site estimates. Edit with your quote. If HOA insurance is included, confirm separate unit-owner coverage. Missing HOA costs are excluded—not assumed zero.
Estimated cash to close est.
Not provided
Enter a purchase price, valid down payment and county — or .
Mortgage stamps: $0.35 per $100 or fraction. Intangible tax: 0.2% of loan. Title uses Florida 69O-186.003 base rates. Assumes 2 months of tax/insurance escrow for financed purchases plus first-year insurance; cash purchases have no lender escrow.
Before deposits and credits. Prepaid interest and other contract costs are not included. Discounts and title endorsements must be confirmed by the title company. Title search, municipal lien search, settlement and recording are pass-through title company charges for cash and financed buyers alike; the municipal lien search is priced by each city and can run higher (e.g. Boca Raton $150, Coral Gables $220).
Estimate only. Your lender's Loan Estimate and the title company's closing disclosure are the final numbers. Not financial advice.
Estimate only, not guaranteed. Verify before you buy or sell.
Insurance & flood
- Flood zone (FEMA)
- Zone AEFlood insurance required
- Homeowners insurance est.
- $760 / month
Flood insurance is required with a federally backed mortgage (FHA, VA, USDA, or a conventional loan from a federally regulated lender). The monthly insurance estimate above does not include flood insurance — see "Show details" for the flood rules and the official FEMA map.
Source: FEMA National Flood Hazard Layer · Date checked: Oct 23, 2026
Insurance estimates vary widely. Get a real quote before you make an offer.
Estimate only, not guaranteed. Verify before you buy or sell.
Flood zone: AE
High-risk mapped flood area (1% annual chance of flooding).
Source: FEMA National Flood Hazard Layer · Date checked: Oct 23, 2026
- Roof type
- Concrete
- Roof year
- Not provided —
- Impact windows / doors
- Impact Glass (Complete)
- Shutters
- Not provided —
- Window features
- Plantation Shutters
- Year built
- 2011
Homeowners insurance: $760 / month est.
Special Flood Hazard Area. With a federally backed mortgage (FHA, VA, USDA, or a conventional loan from a federally regulated lender), flood insurance is required.
The FEMA map is a strong indication, not the final answer: your lender orders its own flood zone determination. Cash buyers are not required to carry flood insurance, but on the water it is strongly recommended.
Florida rule: by 2027, Citizens policyholders must carry flood insurance even outside a flood zone, unless the Citizens policy excludes wind coverage. The FEMA map does not show this.
How flood insurance is priced (FEMA Risk Rating 2.0)
Flood insurance is priced home by home, so two neighbors on the same canal can pay very different amounts. Premiums depend on the home's elevation (first-floor height above the expected flood level), distance to water (ocean, Intracoastal, canal or river), the type of flood risk (storm surge, heavy rain or river overflow), the cost to rebuild, the foundation and construction type, and past flood claims on the property.
Federal flood insurance (NFIP) pays at most $250,000 for the building and $100,000 for contents. A luxury waterfront home needs private flood insurance or an "excess flood" policy on top.
Before an offer: pull the official FEMA flood map (FIRMette), ask the seller for an elevation certificate (it largely decides the price), ask whether the seller's existing NFIP policy can be transferred to you (sometimes at a lower rate), and have an insurance agent check prior flood claims (CLUE report). New NFIP policies usually have a 30-day wait before they take effect — don't leave it until the week of closing.
Insurance estimates vary widely. Get a real quote before you make an offer.
Estimate only, not guaranteed. Verify before you buy or sell.
About This Property
Find similar homesIMMACULATE OCEANSIDE WATERFRONT IN TAVERNIER, FLORIDA KEYS: Pristine, meticulously maintained 3-bedrm, 3-bath home, on deep-water canal w/open ocean access in approx. 5 minutes or less. This property features a private 40-foot dock, 10,000-lb boat lift, w/approx. 60-foot-wide canal. This coastal elegance defines this two-story concrete residence, featuring solid CBS construction, a concrete roof, impact-resistant windows and doors, soaring ceilings, crown molding, w/ Plantation Shutters. The open-concept living & dining areas flow into a kitchen w/ custom wood cabinetry, granite countertops, and stainless steel appliances. A spacious downstairs den, w/Bathrm & additional living area provide versatility for guests, entertaining, or a potential “4th bedroom”.The ultimate indoor-outdoor lifestyle w/covered waterfront balconies on both levels, an outdoor kitchen, fish-cleaning station, w/lush tropical professional landscaping enhanced by elegant exterior lighting. Additional features include aluminum stairways, covered parking, a paved driveway, irrigation system, climate-controlled storage, and a 10,000-watt generator with GenerLink connection, see pictures! Located near the renowned Islamorada Sandbar, world-class fishing, diving, waterfront dining, Mariner’s Hospital 1.5 miles, CVS, New Publix, Banks, Gym, Ace Hardware & More. OK to Lease for 28 day Minimum. Anchor In Paradise!
Property Details
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Your costs (est.)
≈ $12,097/mo
226 Normandy Drive, Tavernier, FL 33070 · Tavernier
Location
226 Normandy Drive, Tavernier, FL 33070
One home, every check
Dock & Draft Match™ brings this home's dock length, low-water depth, every bridge, the ocean run, frontage and yacht size together in one place. Estimate only, not guaranteed. Verify before you buy or sell.
What buyers ask about this home
What are the estimated monthly carrying costs at 226 Normandy Drive, Tavernier, FL 33070?+
Property tax (after sale): $1,825/month est.; homeowners insurance: $760/month est.; HOA: $42/month. Fixed ownership costs before a mortgage: $2,627/month est. Principal and interest: $9,470/month; PMI: $0/month. Total for the payment scenario shown: $12,097/month est. Flood insurance is not included. Estimate only, not guaranteed. Verify before you buy or sell.
Will property taxes go up after I buy 226 Normandy Drive, Tavernier, FL 33070?+
Usually yes. In Florida the assessed value resets to market value in the year after a sale, so the seller's current tax bill is rarely what a new owner pays. Budget roughly 1.8–2.0% of the purchase price annually until you file for homestead exemption and the Save Our Homes cap (or the 10% non-homestead cap) starts limiting increases.
Does 226 Normandy Drive, Tavernier, FL 33070 need flood insurance, and what drives the premium?+
Most of Tavernier sits in a FEMA flood zone, and lenders require flood coverage in high-risk zones. Premiums are driven by elevation certificate, flood zone, roof age and shape, and whether the home has impact windows or accordion shutters. Ask for the current declarations page, the four-point inspection and wind mitigation report early — they set your real cost of ownership.
What should an inspection focus on for a home like 226 Normandy Drive, Tavernier, FL 33070?+
In coastal South Florida, prioritize roof age and permit history, whether windows and doors are impact-rated, the seawall and dock condition on waterfront lots, drainage and elevation, plumbing type, and any open or expired permits with the city. These items, not cosmetics, drive both price and insurability.
What extra costs come with the waterfront at 226 Normandy Drive, Tavernier, FL 33070?+
Waterfront ownership adds seawall maintenance and eventual replacement, dock and lift servicing, higher flood and wind premiums, and salt-air upkeep on exterior finishes and equipment. Confirm bridge height and water depth at low tide if you plan to keep a boat.
Is there room to negotiate on 226 Normandy Drive, Tavernier, FL 33070?+
This listing has been on the market 25 days. Leverage comes from days on market, price history, comparable closed sales and the seller's motivation — not from a fixed percentage. I pull the full history and the true comps before we write, so the offer is built on what the property is actually worth today. Call or text (954) 562-1798 for that analysis.
Neighborhood & Commute
Located in Tavernier, this property offers the South Florida lifestyle — warm-weather living year-round with easy access to the Atlantic coast, A-rated schools, and major business centers.
Approximate Drive Times
Drive times are estimates based on straight-line distance at typical South Florida traffic speeds. Actual times vary with traffic and routing.
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Simon Gedz
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$1,825,000 · MLS A12104459
$1,825,000
226 Normandy Drive