Monika Rydzak Key West Realtor

10/28/2026

Sometimes, something you hear stays with you long after the conversation is over.

This morning, on my way to work, I was listening to Tony Robbins, and he said something that made me question what I've learned through my own life experiences.

Can you really change someone who doesn't want to change?

Over the years, I've learned that you can encourage someone, believe in them, support them, and give them every reason to do things differently.

But I've also learned that wanting something for someone doesn't mean they want it for themselves.

And sometimes, that's the hardest part to accept. Especially when you care about that person.

Maybe we can influence people. Maybe we can inspire them. But can we actually change them?

I'm curious what you think. Does real change come from having enough reasons, or does it have to come from within?

10/21/2026

🏡 Every House Has a Story… What's Yours?

Every home in the Florida Keys is different. Some have incredible water views, others have boating access, rental potential, or improvements that make them truly special.

But here's something I always tell homeowners: What makes your property valuable isn't always obvious to buyers.

When it's time to sell, it's not just about putting a sign in the yard. It's about understanding your property, knowing what makes it stand out, and telling its story to the right buyers.

And sometimes, the little details make the biggest difference.

🌴 Thinking about selling your Florida Keys home? I'd love to hear its story and share my perspective on today's market.

📩 Send me a message. Let's talk!

10/12/2026

🏡 Which helps a buyer more: a $25,000 price reduction or a seller-funded mortgage-rate buydown?

The answer may surprise you.

A $25,000 price reduction sounds great, but it may only lower the monthly mortgage payment by around $170–$180, depending on the loan terms.

Using that money to reduce the buyer’s mortgage rate could potentially create much larger monthly savings—especially during the first few years of ownership.

Of course, every situation is different. The best choice depends on the loan amount, down payment, how long the buyer plans to own the property and whether the buydown is temporary or permanent.

In today’s Florida Keys market, smart negotiation isn’t always about getting the lowest price. Sometimes, it’s about structuring the deal to make the monthly payment work.

Which would you prefer: a lower purchase price or a lower mortgage payment?

09/01/2026

🏡 JUST SOLD — And just like that, one chapter ends and another begins. ❤️

I’m so happy for my clients, Dawn and her family.

This was truly a beautiful home, and from the beginning, they did everything they could to make the selling process easy and smooth.

Life, however, had already started their next chapter. A new job meant moving five hours away, and they trusted me to take care of everything here in the Keys while they started their new life.

Yesterday, they officially closed on their Florida Keys home. 🔑
And today, they’re closing on their new home in Port St. Lucie. 🏡

That’s what I love about real estate. It’s never just about selling a house. Behind every closing there’s usually a much bigger life story — a new job, a new city, a growing family, a fresh start.

Dawn, thank you for trusting me with such an important transition. I’m truly grateful I could be part of this milestone, and I wish you and your family so much happiness in your new home. ❤️

One chapter closed. A new one starts today. 🥂

08/28/2026

Have you opened your insurance renewal lately and wondered what happened? 🤔🏡

You’re not alone.

One of the most common questions I’m hearing from homeowners and buyers across Key West and the Florida Keys is:

💬 “Why has my insurance gone up so much?”

The answer is a combination of several factors:

🔹 Higher construction and labor costs
🔹 More storm-related claims across Florida
🔹 Rising property values
🔹 Hurricane and wind exposure
🔹 Flood zones and elevation requirements
🔹 Roof age and construction type

What many people don’t realize is that insurance can impact affordability just as much as mortgage interest rates. 📈

When buying or owning a home in the Keys, it’s important to look beyond the purchase price and consider the full cost of ownership, including:

✔️ Insurance
✔️ Property taxes
✔️ HOA fees
✔️ Maintenance and upkeep

In this month’s video, I break down what’s driving these insurance increases and what buyers and sellers should know before making a move in today’s market. 🎥🌴

Have questions about insurance costs, buying, or selling in the Florida Keys? Send me a message—I’m always happy to help.

08/14/2026

If you're thinking about making a move to Key West in the Florida Keys 🌴, one of the first questions you'll face is whether to buy your next home before selling your current one. While every situation is different, many homeowners today are finding that selling first offers more flexibility and less financial stress 💰. It allows you to know exactly how much equity you have available, avoid the possibility of carrying two mortgages, and puts you in a stronger position when it's time to make an offer on your next property 🔑. With inventory levels higher than they were a few years ago, having a clear plan is more important than ever 📈. If you're considering a move, I'd be happy to help you explore your options and create a strategy that fits your goals and timeline. ☀️🏝️

Monika Rydzak
Infinity Group / eXp Realty
305-395-0250

08/05/2026

🏡 Under Contract!🔥 This one didn’t last long and is officially off the market.

08/03/2026

🔥 UNDER CONTRACT! 🔥🏡
This Big Pine Key gem is officially under contract.🌴✨

07/30/2026

🏝️ Beachy. Breezy. Venture Out Living. 💙🤍 NIGHTLY RENTALS ALLOWED!!!!

Welcome to your perfect slice of the Florida Keys in Venture Out!

This 2BD | 1BA coastal cutie is completely turnkey and ready for you (or your guests 👀💰).

Think fresh blue & white beach vibes, marble countertops, stunning blue tile backsplash, and a cozy living space made for relaxing after a day on the water. Even better? You get beautiful open water views — while sitting on a dry lot. Yes please. 🙌

And let’s talk lifestyle…

✔️ Heated pool
✔️ Marina + boat ramp (quick ocean & Gulf access)
✔️ Tennis, pickleball & basketball courts
✔️ Private store
✔️ Playground
✔️ 24-hr gated security

All just 20 miles from Key West. Close to the action, far from the chaos. 🌅

Whether you’re looking for a vacation escape, rental income property, or your own laid-back Keys retreat — this one checks the boxes.

Message me for details 💬🏡

07/30/2026

🌊✨ Captivating Oceanfront Getaway with 35' Durable Seawall in Venture Out ✨🌊

🏝️ This stunning property features a robust seawall with dock posts, whips, and cleats for secure mooring.

🚐 Enjoy effortless RV parking on the double concrete slab and driveway.

💧⚡ Comes complete with water, electric (30, 50, and 110 amp service), sewer, and parking for one vehicle.

🏊‍♀️ Relax in the heated saltwater pool, play tennis, basketball, and bocce ball, and let the kids have fun in the children's play area.

🚤 The property includes a boat ramp and a convenience store with a fueling station.

💲 500 per week plus fees.

🌟 Book your dream oceanfront escape today ! 🌟 Call Monika today 305-395-0250 or check on our website for availability:)

Captivating Oceanfront Getaway with 35' Durable Seawall! This property is equipped with a robust seawall fe... Cudjoe Key United States, Florida