Stirrup Key is a gated, residential community located in Marathon, Florida, in the Florida Keys. Accessible by a mangrove-lined causeway, it sits on approximately 60 acres and features 98 separately-platted residential building lots along with 14.4 acres of common property. This includes 7.4 acres of roads (1.22 miles), two lakes totaling two acres, a five-acre lagoon with two recirculating channels and a 61-dock-lot marina complete with seawall and boat launch, plus the entrance gatehouse and electronic gate/video-monitored security system. The Stirrup Key Home Owners Association, Inc. (Document Number 736616) is self-managed by its Board of Directors and handles maintenance of these shared assets.
HOA Fees and Financial Obligations HOA fees vary by property but have been reported around $213 per month in recent real estate listings for single-family homes. Fees support maintenance of roads, common areas, the marina, lakes, lagoon, security systems, and other shared infrastructure. Estoppel letters are provided at no cost by the Association President or Treasurer. There is also a separate Stirrup Key Condominium Association with its own fees and amenities, such as a community pool (median fees around $529/month in comparable data).
Rules and Regulations As a gated luxury community, Stirrup Key maintains standards to preserve its exclusive, waterfront character. Specific rules are governed by the association's charter documents and are enforced by the self-managed board. Buyers should review full governing documents for details on architectural guidelines, rental policies, boat storage, and common area use.
Community Amenities and Lifestyle Residents enjoy private access to a protected marina with 61 docks and boat launch, scenic lakes and lagoon for recreation or views, and secure gated entry with video monitoring. The community offers a peaceful, waterfront lifestyle with easy access to Gulf waters, fishing, and boating in the Florida Keys. Lush native vegetation and mangrove surroundings enhance the natural setting.
Notable Aspects Stirrup Key stands out as one of the few gated neighborhoods in the Middle Keys, offering privacy, security, and deeded boat slips in a compact, exclusive enclave of roughly 105 lots. Its self-managed structure allows direct owner involvement.
Management Company: Self-managed by Board of Directors (Stirrup Key Home Owners Association, Inc.) Phone: (321) 749-2754 (President); (305) 393-0364 (Treasurer) Email: troy@lotane.com (President); mschindler39c@gmail.com (Treasurer) Website: https://skhoa.com/ Address: Marathon, FL 33050 (specific board addresses not publicly listed beyond community location)