Golden Key Homes for Sale

Golden Key and Golden Key Condo, The are the same community in Bay Harbor Islands. Buyers know it as Golden Key, while MLS records file it as Golden Key Condo, The. Homes here sit in an age-restricted 55+, condominium community in Miami-Dade County, Florida. Active listings run from $308,800 to $369,000, about $426 per square foot, averaging 190 days on market. Construction dates from 1964. 4 homes are currently for sale. Pure Equity lists homes in Golden Key and represents buyers. Commission is negotiable, and what we are paid is agreed with you in writing before you commit to anything.

Pure Equity Realty covers Golden Key and the Bay Harbor Islands area. We list for 1%, which includes photography, MLS syndication, and negotiation support. Buyers pay nothing for representation. For current market data, see Florida Realtors' market statistics.

Our MLS feed shows a single listing for Golden Key Bay Harbor Islands homes for sale as of October 2026. The median asking price is $369,000.

That is 71% below the Bay Harbor Islands median of $1.27M. On a per-foot basis, homes here ask about $456 per square foot, compared with $905 across Bay Harbor Islands. So the median price buys roughly 800 square feet of living area. With so few listings, though, treat these figures as a snapshot rather than a trend.

Listings here have averaged 390 days on the market. That is slower than the Bay Harbor Islands average of 168 days. Because of that, buyers often have more room to negotiate on price, repairs or closing costs.

Homes listed in Golden Key date from 1964, so they are about 62 years old.

All of these homes predate Florida's 2002 statewide building code. So roof age, window protection and the wind mitigation report matter a great deal for insurance.

In addition, most Florida insurers ask for a four-point inspection on homes 30 years or older. It covers the roof, electrical, plumbing and HVAC. Updated systems usually make coverage easier to place.

Here is what the median Golden Key price means in Florida closing terms. At $369,000, a 20% down payment comes to about $74,000, leaving a loan near $295,000.

Florida then taxes that loan twice. First, documentary stamp tax on the note runs 35 cents per $100, or about $1,033. Next, the intangible tax of 0.2% adds about $590. Buyers normally pay both at closing.

On the seller side, Miami-Dade charges deed stamps of 60 cents per $100 on a single-family home, about $2,214 at this price. Condos and other property types pay a higher rate.

Finally, owner-occupants should file for the Florida homestead exemption by March 1. It removes up to $50,000 of assessed value. After that, Save Our Homes caps yearly assessment increases at 3% or inflation, whichever is lower. To see what these numbers mean for your budget, get pre-approved before you tour.