Lower Matecumbe Beach Homes for Sale

Lower Matecumbe Beach is a residential community in Islamorada, Florida. Active listings are currently priced from $1000K–$3.8M.

Pure Equity Realty covers Lower Matecumbe Beach and the Islamorada 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 3 Lower Matecumbe Beach Islamorada homes for sale as of October 2026. The median asking price is $2.38M. Asking prices run from $1,000,000 to $3.75M.

That is 17% below the Islamorada median of $2.85M. On a per-foot basis, homes here ask about $1,015 per square foot, compared with $1,403 across Islamorada. So the median price buys roughly 2,350 square feet of living area.

Listings here have averaged 69 days on the market. That is faster than the Islamorada average of 140 days. As a result, buyers here should be ready to write an offer soon after a showing.

Homes listed in Lower Matecumbe Beach date from 1970 to 1973. That puts them between 53 and 56 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 Lower Matecumbe Beach price means in Florida closing terms. At $2.38M, a 20% down payment comes to about $475,000, leaving a loan near $1.9M.

Florida then taxes that loan twice. First, documentary stamp tax on the note runs 35 cents per $100, or about $6,650. Next, the intangible tax of 0.2% adds about $3,800. Buyers normally pay both at closing.

On the seller side, Florida deed stamps cost 70 cents per $100 of price. At the Lower Matecumbe Beach median, that is about $16,625.

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.

Recent Lower Matecumbe Beach listings show assignments to Plantation Key (elementary), Plantation Key (middle) and Coral Shores (high). However, boundaries can change each year, so confirm the assignment for a specific address with the county school district.