*OWNER FINANCING CONSIDERED* and dock included in purchase! Golden opportunity in the Lower Keys with rare permitting advantages already in place. This waterfront lot is ready for your new Keys home, with an active permit for a 3 bedroom, 3 bath residence and a dock permit for a 40-foot dock. In unincorporated Monroe County, where residential construction is controlled by the highly competitive ROGO allocation system, permitted lots are becoming increasingly scarce. With the current market-rate ROGO pool entering a major transition period, many unpermitted vacant lots may face significant delay and uncertainty before a new allocation can be pursued. Mitigation is already paid on this lot -- a major advantage as mitigation fees have risen exponentially. Enjoy excellent Lower Keys boating from your future 40-foot dock, with convenient access to nearby waters. Walk or ride your bike to some of the best tiki bars and restaurants in the Lower Keys. Builder on permit is available to build the approved 3/3 home with customization options. Buyer to verify all permit, ROGO, mitigation, dock, bridge clearance, boating, plans, costs, and customization details. Seller is a licensed FL real estate agent.