Homes, values and local insight for Duck Key, Monroe County, Florida.
Reviewed and updated October 3, 2026 by Ryan and Megan Winslow, Winslow Homes
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Duck Key is a census-designated place and unincorporated community in Monroe County, on an island in the middle Florida Keys. It sits oceanside of U.S. 1 near mile marker 61, between Conch Key and Grassy Key. The 2020 census counted 727 residents.
George Gauld named the island Duck Key on an 1775 chart, and salt ponds were worked here in the 1800s. The railroad bypassed it in 1912 and the rebuilt Overseas Highway bypassed it again after the 1935 hurricane. Developer Bryan W. Newkirk created the modern island in the 1950s. A wooden bridge opened in 1952 and the causeway opened to cars on January 2, 1953. He built five islands called Indies, Centre, Harbour, Plantation and Yacht Club, with about 10 miles of paved roads and four stone bridges.
Today the island is shared between Hawks Cay Resort and a residential community of 376 homes. The Duck Key Property Owners' Association, Club Duck Key and the Duck Key Security Advisory Board serve residents.
One of the five islands Newkirk built. The Indies House hotel opened here in January 1960 and later became Hawks Cay Resort. source
One of the five original islands in the canal-and-causeway layout. source
One of the five original islands, part of roughly four miles of dredged canals designed to flush with the tides. source
One of the five original islands in the residential community. source
One of the five original islands. Club Duck Key, a social club for residents, was completed in February 2001. source
223 conch-style townhouse villas approved in 1996 for the resort, all completed by summer 2001. source
Wood-fired seafood · Hawks Cay Resort, 61 Hawks Cay Blvd
Wood-fired, seafood-focused cooking by chef Jeremy Ford. source
Florida Keys fare · Hawks Cay Resort, 61 Hawks Cay Blvd
A dockside eatery serving classic Keys dishes. source
Casual bites · Hawks Cay Resort, 61 Hawks Cay Blvd
Poolside and beachside food and tropical drinks. source
Resort gift shop · Hawks Cay Resort lobby, 61 Hawks Cay Blvd, Duck Key
Swimsuits, sunscreen, fishing gear, resort wear and souvenirs. Open 8:45 a.m. to 5 p.m. Sunday to Thursday and to 6 p.m. Friday and Saturday. source
Nautical gifts · Overseas Highway, Marathon (nearby town, about 9 miles southwest of Duck Key)
Nautical gifts and tropical treasures on Marathon's Overseas Highway. source
Books and coffee · Marathon (nearby town, about 9 miles southwest of Duck Key)
A Marathon shop that combines books and coffee, formerly Keys News and Coffee. source
At 56200 Overseas Highway in Marathon. It has a beach, a 1.5 mile nature trail, a kayak launch, camping and picnic pavilions, and it is open 8 a.m. to sunset. source
A full-service marina with 66 slips, a boat ramp, fuel and live bait, plus fishing charters and snorkeling trips. source
The Duck Key Property Owners Association holds a yearly island clean-up. source
Duck Key is oceanside of U.S. 1, the Overseas Highway, near mile marker 61. Marathon is about 9 miles southwest and Islamorada is about 22 miles northeast.
$990,150 for a single-family home in Monroe County. FHA loans allow 3.5% down with a 580 credit score.
$832,750 for a single-family home. Above that, buyers use a jumbo loan. Megan Winslow structures both.
Owners who live in the home take up to $50,000 off the taxable value, and the Save Our Homes cap limits yearly increases in the assessed value to 3%. File with the Monroe County Property Appraiser by March 1.
Broker owner of Winslow Homes, REALTOR since 2009, U.S. Army Retired. Ryan Winslow lists and sells homes across Duck Key and Monroe County and handles pricing, negotiation and the contract to closing.
Broker owner of Winslow Homes and a Mortgage Banker with The Federal Savings Bank. Megan Winslow helps Duck Key and Monroe County buyers get pre-approved and closes the loan with the same team that negotiates the home.
Megan and Ryan Winslow have worked side by side for 17 years and sold more than 3,000 homes together. One team for the home search, the listing and the mortgage. Call or text 386-690-5858.
What is my home worth? Get pre-approved with Megan Agents: join Winslow Homes
Ryan and Megan price Duck Key homes from recent sales, not guesses. Send your address and you get a free market analysis, with no obligation.
See the full Monroe County real estate guide or the Florida real estate guide.
Duck Key is in Monroe County, Florida.
Ryan and Megan Winslow of Winslow Homes. They have sold over 3,000 homes together since 2009, price every Duck Key home from recent sales nearby, and handle the loan as Mortgage Bankers with The Federal Savings Bank. Call or text 386-690-5858.
The 2026 FHA limit for a single-family home in Monroe County is $990,150, and the 2026 conventional limit is $832,750. Megan Winslow, a Mortgage Banker with The Federal Savings Bank, can pre-approve you for either.
No. Duck Key is an unincorporated community in Monroe County. Islamorada is about 22 miles to the northeast.
It is one of three groups serving residents and owners, alongside Club Duck Key and the Duck Key Security Advisory Board. Ask for the current rules and fees before you buy.
In September 2017 the island lost power, sewer and water, and Monroe County ordered an evacuation. Check current insurance and elevation details for any home.
17 years, over 3,000 homes sold, and one team for the home and the loan. Call or text 386-690-5858.
Sources: U.S. Census Bureau 2024 population estimates and 2019 to 2023 American Community Survey; Zillow Home Value Index, August 2026. Numbers update as new data is released. Talk to Ryan and Megan for current sold prices on your street.
Get coming-soon homes, pocket listings and price drops in Duck Key, FL before they hit the big home search sites.
17+ years together, more than 3,000 homes sold, and the mortgage handled by the same team.
