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Florida real estate · Monroe County

Tavernier, Florida Real Estate

Homes, values and local insight for Tavernier, Monroe County, Florida.

Reviewed and updated October 3, 2026 by Ryan and Megan Winslow, Winslow Homes

Ryan and Megan Winslow Broker Owners3,000+ homes soldSince 2009 REALTOR®4 states broker in FL, MA, CT, RIU.S. Army RetiredBest of Central MA winners
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About Tavernier

Life in Tavernier

Tavernier covers the southwesternmost 3 miles of Key Largo, with Tavernier Creek separating it from Islamorada on Plantation Key. U.S. 1 runs through town, about 64 miles from Miami. The 2020 census counted 2,530 residents.

Bahamian fishermen and wreckers were the first settlers, drawn by the anchorage near Carysfort Reef. A farming community called Planter received a post office in 1891. A Tavernier post office opened near the railroad depot in 1911. In 1928 Hubert Mac McKenzie began building businesses in the town center, and Monroe County later designated much of it a historic district. The Labor Day Hurricane of 1935 devastated the Upper Keys. Monroe County and Keys Weekly report more than 70 historic structures still stand.

Neighborhoods

Tavernier neighborhoods and communities

Tavernier historic district

The town center around mile marker 92, where the 1920s Tavern Store, the old Key Theater and the Tavernier Hotel buildings still stand. source

Planter

The oceanfront farming community of the late 1800s that got a post office in 1891 and declined after hurricanes and a pineapple blight. source

Food

Where locals eat in Tavernier

Old Tavernier Restaurant

Seafood, steaks, Continental · Mile marker 90.3, oceanside

Listed in the Islamorada Chamber dining guide with a mixed Continental, Caribbean, Italian and Greek menu. source

Krust Pizza

Pizza · Historic district, mile marker 92

Housed in the white building built in the 1920s as the Tavern Store. source

Big Daddy's Grub and Beach Pub

BBQ, Tex-Mex · Mile marker 91.7, bayside

A casual BBQ and Tex-Mex spot. source

Made 2 Order Cafe

Breakfast, lunch · Mile marker 90.6, oceanside

Breakfast and lunch counter. source

Coffee and drinks

Coffee, drinks and hangouts

Cafe Moka

Cafe and bakery · Historic district, mile marker 92

Set in an old Methodist church building with roots in Planter dating to 1886. source

Shopping

Shopping in Tavernier

Tavernier historic district shops

Shops and restaurants in the restored 1920s and 1930s buildings around mile marker 92. source

Outdoors

Parks, beaches and nature

Harry Harris Park

A roughly 21-acre beachfront county park at 50 E Beach Rd with a boat ramp, protected swimming area, playground and pavilions. Open sunrise to 30 minutes after sunset. source

Things to do

Attractions and landmarks

Florida Keys Wild Bird Center

At 93600 Overseas Highway. The Laura Quinn Wild Bird Sanctuary has boardwalks to view more than 40 birds, and the hospital treats injured birds. Incorporated 1988, opened 1991. source

Tavernier Hotel

The pink two-story building at mile marker 92, built in 1935 as a Red Cross first aid station, later the Key Theater, and a hotel by 1939. source

Tavernier Florida Historical Marker

A 2013 state marker at mile marker 91.5 on U.S. 1 telling the history of Tavernier. source

Calendar

Annual events

Gigantic Nautical Market (February)

A two-day market run by the Upper Keys Rotary Club at Founders Park in Islamorada, the next village south of Tavernier. The 2026 edition was the 31st year, with more than 400 vendors and a boat show by the beach. source

Schools

Monroe County School District

Elementary

Plantation Key School (100 Lake Road, Tavernier)

High

Coral Shores High School

Listed for reference, not ranked. Confirm school zoning for any address with the district. source

Before you buy

Buying in Tavernier: what Ryan and Megan check

  • Tavernier is unincorporated Monroe County. New market-rate home permits go through the county's ROGO system. The final ROGO period for the current pool closed July 13, 2026 and a new one is expected around July 13, 2027. Ask Monroe County Planning & Environmental Resources (305-294-4641) about any vacant lot.
  • Much of the town center is a county historic district. Check with the county before changing a building near mile marker 92.
  • Tavernier sits at about sea level and the 1935 Labor Day Hurricane devastated the Upper Keys. Get the flood zone, elevation certificate and wind mitigation report early.
  • Mailing addresses can differ from the legal boundary. An address on Old Highway can fall in Islamorada, not Tavernier, so confirm the jurisdiction and its rules.

Roads and drive times

U.S. 1 runs through Tavernier, about 64 miles northeast to Miami and about 90 miles southwest to Key West.

Owning a home

Loans, taxes and insurance in Tavernier

FHA loan limit for 2026

$990,150 for a single-family home in Monroe County. FHA loans allow 3.5% down with a 580 credit score.

Conventional loan limit for 2026

$832,750 for a single-family home. Above that, buyers use a jumbo loan. Megan Winslow structures both.

Florida homestead exemption

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.

Your local agents

Ryan Winslow and Megan Winslow, Tavernier real estate agents

Ryan Winslow

Broker owner of Winslow Homes, REALTOR since 2009, U.S. Army Retired. Ryan Winslow lists and sells homes across Tavernier and Monroe County and handles pricing, negotiation and the contract to closing.

Megan Winslow

Broker owner of Winslow Homes and a Mortgage Banker with The Federal Savings Bank. Megan Winslow helps Tavernier and Monroe County buyers get pre-approved and closes the loan with the same team that negotiates the home.

Ryan and Megan Winslow, together

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

Selling

What is your Tavernier home worth?

Ryan and Megan price Tavernier homes from recent sales, not guesses. Send your address and you get a free market analysis, with no obligation.

Home for sale in Tavernier
Monroe County

More in Monroe County

See the full Monroe County real estate guide or the Florida real estate guide.

FAQ

Common questions

What county is Tavernier in?

Tavernier is in Monroe County, Florida.

Who are the best real estate agents in Tavernier?

Ryan and Megan Winslow of Winslow Homes. They have sold over 3,000 homes together since 2009, price every Tavernier home from recent sales nearby, and handle the loan as Mortgage Bankers with The Federal Savings Bank. Call or text 386-690-5858.

What is the FHA loan limit in Monroe County for 2026?

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.

Which schools serve Tavernier?

Residents are zoned to Plantation Key School on Plantation Key. Coral Shores High School is in Islamorada but has a Tavernier mailing address. Confirm zoning with Monroe County School District.

Can I build on a vacant lot in Tavernier?

New market-rate homes in unincorporated Monroe County need a ROGO allocation. The current pool closed July 13, 2026 and the county expects the next one around July 13, 2027. Ask the county planning office before you buy a lot.

Is Tavernier part of Islamorada?

No. Tavernier is a separate unincorporated community on the southwestern end of Key Largo. Tavernier Creek separates it from Islamorada, so county rules apply instead of village rules.

Talk to Ryan and Megan

Ready to move in Tavernier?

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.

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Tavernier real estate agents

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