We Buy Land in Summerland Key, FL

Updated October 28, 2026 by SWFL Land

Looking for a land buyer in Summerland Key, FL? SWFL Land (Libera Capital Group LLC) is a direct cash buyer of vacant lots and acreage in Summerland Key and across the Florida Keys. Owners usually get an offer within 24 hours and close through a Florida title company. Wholesalers and agents can submit Summerland Key land deals and usually hear back within 24 hours.

Summerland Key is a Lower Keys community in unincorporated Monroe County, between Ramrod Key and Cudjoe Key. Building here runs through the county’s ROGO allocation system and its habitat tier map, and the county’s Land Authority recently contracted to buy Tier I lots on this island. If you own a Summerland Key lot and want to sell it as-is, we make written cash offers, usually within 24 hours. We charge no commission and close through a licensed Florida title company. Call (239) 686-0823 or request a cash offer.

Summerland Key Land We Buy

• Canal and waterfront lots on Summerland Key.
• Inland residential lots in platted subdivisions.
• Tier I parcels classified as environmentally sensitive.
• Tier III-A parcels in special protection areas, where mapped.
• Tier III infill lots with roads and utilities.
• Lots with an allocation, permits in review or completed plans, and lots with none.
• Multiple adjoining lots sold together.
• Lower Keys lots nearby on Ramrod Key, Little Torch Key, Cudjoe Key and Sugarloaf Key.
• Inherited, probate and tax-delinquent lots.

How Selling Summerland Key Land Works

1. Tell us about the lot. Send the Parcel ID or address through our offer form, or call.
2. We research the lot. Tier, flood zone, ROGO history, taxes, liens and title.
3. You get a written cash offer. Usually within 24 hours, with no obligation.
4. A licensed Florida title company closes the sale. It examines title and handles the funds.
5. You are paid at closing. No commission, no listing, no need to travel.

See how it works for the full process.

About Land in Summerland Key

Location

Summerland Key sits at about mile marker 25 on the Overseas Highway. Ramrod Key is just east at about MM 27, with Little Torch Key at about MM 28.5 and Big Pine Key at about MM 30 to 31. To the west are Cudjoe Key at about MM 20 to 21, Sugarloaf Key at about MM 17 to 19, Big Coppitt at about MM 10 and Key West at MM 0 to 4. Monroe County operates fire stations in nearby Ramrod, Cudjoe and Sugarloaf.

Who Governs Summerland Key?

Summerland Key is not one of Monroe County’s five incorporated municipalities (Islamorada, Key Colony Beach, Key West, Layton and Marathon). It is unincorporated, so Monroe County handles building permits, code enforcement and ROGO allocations. The county’s Land Development Code, including Chapter 138 on ROGO, governs what can be built.

ROGO on Summerland Key

New homes in unincorporated Monroe County need a ROGO allocation. The county calls ROGO a competitive system where the highest scoring applications receive building permits. Each ROGO year has four quarters. Points favor infill areas with infrastructure and penalize sensitive habitat and velocity zones. Examples from the county’s table include up to +30 for Tier III, +4 for central sewer, up to +5 for land dedication and perseverance points that accrue each year, with penalties of -6 for a V-zone structure and -4 for a CBRS unit.

The state’s Senate Bill 180 (2025) made up to 900 new allocations possible Keys-wide. The county expected to receive about 588 of them and to issue about 40 a year, with priority for owner-occupied, affordable and workforce housing and a limit of one per parcel. County staff also recommended using 62 set-aside administrative relief allocations to keep issuing permits through July 2027.

Tiers on Summerland Key

Tiers were assigned in 2005 and 2006. Tier I is environmentally sensitive land. Tier III-A is a special protection area. Tier III is infill, meaning platted subdivisions that are at least half built and have infrastructure. Tier II applies only on Big Pine Key and No Name Key, not on Summerland. Check your parcel with the county’s Tier Overlay property search.

The Land Authority Has Bought on Summerland Key

The Monroe County Comprehensive Plan Land Authority buys land for conservation, affordable housing and property-rights protection. Its January 2026 committee packet listed a contract for two Tier I lots on Summerland Key at $220,000. The same packet listed one Tier I lot on nearby Sugarloaf Key at $95,000 and a 6,000 sq ft Tier I lot on Little Torch Key at $12,500. These are individual contracts, not averages, and they show how much prices vary from lot to lot. If you own Tier I land, contacting the Land Authority (305-295-5180) is a reasonable step before you decide.

What Options Does a Tier I Owner Have?

Based on county and state sources, an owner of a Tier I lot that is unlikely to receive an allocation generally has four paths. You can offer the lot to the Land Authority or to state Florida Forever buyers. You can sell any transferable development rights (TDRs) or ROGO exemption the lot carries. You can seek administrative relief after a long period of denial, a process with its own requirements that a land use attorney can explain. Or you can sell to a private buyer, such as a neighbor or a cash buyer like us. Each path has different timing and pricing, so comparing them before you commit makes sense.

Flood Zones and Storms

New buildings must be elevated above flood levels. Under Monroe County’s ASCE 24-14 minimums, the lowest floor in Zone A must be at least base flood elevation plus 1 ft, and in V and Coastal A zones the lowest horizontal structural member must be at least base flood elevation plus 1 ft. Enclosures below base flood elevation are limited to access, limited storage and parking. Hurricane Irma made landfall on neighboring Cudjoe Key on Sept. 10, 2017 at 9:10 a.m. as a 130 mph Category 4.

What Affects the Value of Summerland Key Land

• Tier. Tier III lots score far better in ROGO than Tier I or Tier III-A lots.
• Waterfront. Canal and open water lots attract different buyers than inland lots.
• Flood zone. V-zone lots lose ROGO points and cost more to build on.
• Sewer. Central sewer earns ROGO points.
• Allocation history. Perseverance points and prior applications matter.
• Public buyer interest. Tier I land may draw interest from the Land Authority.
• Title. Tax certificates, liens and heirship issues affect closing.

See how to comp vacant land and what’s my lot worth for how pricing works.

Common Summerland Key Selling Situations

• Tier I lot. You want to compare a cash offer with the Land Authority.
• Waiting on ROGO. You have applied and would rather sell than keep waiting.
• Inherited Lower Keys lot. See selling inherited land and selling probate land.
• Back taxes. See selling land with back taxes.
• Code liens. See selling land with code liens.
• Buildable lot with plans. You have done the prep work and want to sell instead of build.

Looking Up Your Monroe County Parcel

• Property Appraiser: mcpafl.org for Property Search, GIS maps and a Tax Estimator. Record cards show a Parcel ID (format 00526340-000000) and an Account# or Property ID.
• Tier Overlay: from the county’s Tier System page.
• Permits: MCeSearch for permit history.
• Taxes: Monroe County Tax Collector. Payable Nov. 1, delinquent April 1.
• Deeds and liens: Clerk Official Records.
• Flood zone: FEMA Map Service Center.

Use our due diligence checklist for more.

Summerland Key Land Selling FAQs

Is Summerland Key part of a city?

No. Summerland Key is in unincorporated Monroe County, so the county handles permits and ROGO allocations.

Is there Tier II land on Summerland Key?

No. Tier II exists only on Big Pine Key and No Name Key. Summerland parcels fall into the other tiers, which you can confirm with the Tier Overlay search.

Has the Land Authority bought land on Summerland Key?

Yes. Its January 2026 committee packet listed a contract for two Tier I lots on Summerland Key at $220,000.

Do you buy lots on Cudjoe, Ramrod and Sugarloaf Key?

Yes. We buy across the Lower Keys, including Ramrod Key, Little Torch Key, Cudjoe Key and Sugarloaf Key.

How fast will I hear back?

We usually send a written cash offer within 24 hours.

Land Buyers in Summerland Key: Quick Answers

Who buys land for cash in Summerland Key?

SWFL Land (Libera Capital Group LLC) buys Summerland Key lots for cash, usually with a written offer within 24 hours and a closing through a licensed Florida title company. See our Florida Keys (Monroe County) page and nearby Big Pine Key and Key West.

Does SWFL Land buy Summerland Key deals from wholesalers?

Yes. We close by assignment or double close. See our Monroe County wholesaler page or submit a deal.

Where can I learn about selling land in the Keys?

Read our Florida Keys land guide on ROGO, tiers, the Land Authority and your options.

Sources

• Monroe County MOCO Report 2023
• Monroe County ROGO and NROGO
• Monroe County Tier System
• Monroe County Fire Stations
• Monroe County Land Authority
• Land Authority Advisory Committee packet, Jan. 29, 2026
• Key West Citizen: County to stay the course on allocations
• Key West Chamber: ROGO schedule through July 2027
• Monroe County Building Responsibly Requirements
• NWS Miami: Hurricane Irma
• Overseas Highway (Wikipedia)