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88 Bay Dr , Saddle Bunch, FL 33040

$2,499,000

4
beds
2
baths
2,157
sqft
1973
year built

VIRTUAL TOUR

Open water, fabulous sunsets and the Lower Keys lifestyle right outside your back door! This solid 4-bedroom, 2-bath concrete block and stucco home enjoys expansive open-water views, with impact windows and doors throughout. Step through the French doors from the living area to the deck and pool, where the ocean is directly ahead of you. Low tropical plantings preserve the view--even while you are in the pool--while mature palms and native trees provide shade and privacy. An outdoor shower is perfectly placed for rinsing off after a swim or a day on the boat. Relax poolside, sit on the dock, watch the boats and paddleboarders pass by, and enjoy the sunset. Located at Mile Marker 15, approximately halfway between Key West and Big Pine Key, this island is loved for its convenient Lower Keys location and friendly neighborhood atmosphere. Walk or bike around the neighborhood and before long you may know the neighbors--and their pets--by name. The nearby County park offers a boat ramp, tennis, pickleball, basketball and volleyball courts, plus a fenced children's playground. Local favorite Baby's Coffee is right here on the island. Boaters can head into the backcountry for Snipes Point and Marvin Key, or toward the Atlantic for offshore fishing beyond American Shoal Light. The surrounding waters offer snorkeling, fishing, diving, spearfishing and lobstering. Boating access is approximately 3 feet and best suited to shallow-draft, outboard-powered boats, commonly 19-22 feet. And perhaps the best feature is the simplest: the water is always there. Enjoy it from inside the home, from the pool or sitting dockside. Morning, afternoon or sunset, it is a view that simply doesn't get old.

Highlights

  • Residential
  • Single Family Residence
  • Built in 1973
  • 0.21 Acre Lot
  • Waterfront
  • 11 days on Market

  • Bedrooms
    4
  • Bathrooms
    2
  • Year Built
    1973
  • Parking Features
    Off Street
  • Interior Features
    Pantry, Entrance Foyer
  • Appliances
    Dryer, Dishwasher, Microwave, Refrigerator, Washer, Range, Oven
  • Flooring
    Tile
  • Furnished
    Furnished
  • Exterior Features
    Lighting, Outdoor Shower
  • Patio And Porch
    Patio, Deck
  • Pool Features
    In Ground
  • Cooling
    Ceiling Fan(s), Central Air, Wall/Window Unit(s)
  • Heating
    Forced Air, Central

  • Acres
    0.21
  • Water Front Features
    Canal Front
  • Water Front
    Yes
  • View
    Bay, Canal

  • Area
    06 - Bay Point to Sugarloaf
  • County
    Monroe
  • City
    Saddle Bunch
  • Neighborhood
    Bay Point Amd & 1st (15.0)
  • Zip Code
    33040

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Estimated Value

$1,647,520

Estimated Sales Price Range:

$1,318,016 - $1,977,024

Source: Constellation Data Labs

Price History

11/01/2026 Listed $2,499,000
Source: Florida Keys Board of REALTORS #621906

Source: MLS Data

Deed History

07/03/2001 Warranty Deed $370,000
05/18/1999 Warranty Deed $275,000

Source: Public records via Constellation Data Labs

Mortgage History

02/14/2007 Unknown $581,000
01/15/2004 Credit Line (Revolving) / HELOC $100,000
12/15/2003 Conventional $309,500
08/18/2003 Credit Line (Revolving) / HELOC $23,000
12/14/2001 Conventional $296,000
07/03/2001 Conventional $296,000
05/18/1999 Conventional $247,500

Source: Public records via Constellation Data Labs

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Frequently Asked Questions

How do I schedule a tour of 88 Bay Dr?

We can make that happen quickly. Click Tour This Home and we'll connect you directly with our vetted local partner to schedule your visit to 88 Bay Dr.

They know residentials in the area well and can give you the guidance you need to buy with confidence.

How do I get more information about 88 Bay Dr?

Click Ask a Question to talk with our team. You already know it is a 4 bed, 2 bath, listed for $2,499,000. We can talk through recent upgrades, potential seller motivation, how this single family residence compares to others in Saddle Bunch, and can even get you in to see the property quickly.

How do I get a virtual tour of 88 Bay Dr?

Yes! A virtual tour is available for 88 Bay Dr. Click here to view the full walkthrough and explore every room at your own pace. If you would like a guided virtual showing or have questions along the way, we can connect you with our local expert to walk you through it live.

How much is the monthly mortgage payment for 88 Bay Dr?

With a 20% down payment and a 30-year fixed loan at an illustrative 7.25% rate, the ez Mortgage Calculator estimates the monthly payment for 88 Bay Dr at around $15,109. This includes estimated property taxes and insurance.

Want to see how this changes with different down payments or interest rates? Jump to the calculator to run the numbers and fine-tune your plan.

How do I get pre-approved to buy 88 Bay Dr?

Stand out in a competitive market by getting pre-approved today. Our quick and private pre-approval process helps you understand your true buying power—no credit pull required to explore all of your options.

Or, let us connect you with our preferred local lender in Monroe County. They will give you all of your available financing options, based on your specific situation and what is available to you.

Can I negotiate the asking price for 88 Bay Dr?

In most cases, yes. Whether 88 Bay Dr is priced competitively or not, your best offer depends on your personal situation, the seller's timeline, and recent activity in Saddle Bunch's market. Our preferred local partner will help you craft a strategy—factoring in comparable properties that have sold, timing, and deal structure—to make a smart, strong offer. Click here to ask about negotiation opportunities.

How do I make an offer on 88 Bay Dr?

We can handle that for you. Our preferred local agent specializes in residentials in Saddle Bunch and can guide you through every step of the offer process.

You need an expert who is looking out for your best interests. From market valuation to contingencies and timing, they'll help you present a compelling offer that fits your goals. Click Ask a Question to get started today.

What is the price per square foot for this home?

This home is listed at $2,499,000 with 2,157 sqft of space—that comes out to approximately $1,159 per square foot.

How long has this property been on the market?

88 Bay Dr was listed on November 01, 2026, which means it's been on the market for 11 days.

Want to keep tabs on it? Click the ♥ to favorite this home and get notified of price drops or changes.

When was this house built?

This home was built in 1973, making it approximately 53 years old.

What is the lot size of this property?

88 Bay Dr sits on a 0.21-acre lot, which is 9,148 square feet.

What are the property taxes for 88 Bay Dr?

The most recent public record shows annual property taxes for 88 Bay Dr were approximately $10,654. This may change with reassessment or exemptions. Our local partner can verify current tax amounts and help you estimate future costs based on your situation.

Is 88 Bay Dr still available for sale?

Yes, this home is still available! Click the ♥ to favorite it so you don't miss any changes—or ask our local expert to schedule a time to see it in person.

Source: ez Home Search, MLS Data

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Properties in 33040 Avg. Price $2M

IDX information is provided exclusively for consumers’ personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that the data is deemed reliable but is not guaranteed accurate by the MLS. Copyright 2026 Florida Keys Board of REALTORS®, Inc.