HARRIS OCEAN PARK ESTS

Two combined lots totaling just over 10,000 square feet put this Harris Ocean Park home ahead. Concrete roof and concrete block construction give it real Keys-built durability -- the current owners' combined insurance costs come in under $4,500 a year, a number worth comparing against what's out there. Inside, an open living concept connects the kitchen and living space, with granite countertops and a large master bedroom. Three bedrooms, two baths, tile floors throughout -- a simple, functional layout. Outside is where this one earns its price. The fully fenced, backyard with mature trees spans two lots, street to street -- lots of room, accessory structures like a garage or a pool would be subject to County approval -- plus a covered carport, outdoor shower and extra storage space already in place for boats, kayaks, or toys. Location seals it: Indian Avenue is a short walk to Harry Harris Park, with its beach, playground, and boat ramp access. Ocean-side breezes, room to play, and no HOA to answer to.