Key West and Lower Florida Keys Real Estate Market Activity, 12/03/2024

It is going to be a chilly day in the Florida Keys today. I went out for my morning walk about 4:45 AM and cut the walk short. It was 66° outside with a heavy wind coming off the water. Since it won't be a beach day or a boat day, let's make it a day you shop for Florida Keys Real Estate. If you want to see Key West homes for sale, there are plenty. If you prefer Lower Keys homes for sale, there are a lot of those too.

Some new inventory has been added to the MLS. We had 6 great listings come on the market in Key West and the Lower Florida Keys today. Looking for your dream home? Keep reading, it might be listed below. If you don't see something you like here, that's OK, I'm sure I can find your ideal home for you. There are hundreds more to choose from. Call me at 305-731-0501 or email me at garymcadams@realtorgary.com and let me know what your "Perfect House" would be. More than likely I will locate it. 

Address: 413 Porter Lane KEY WEST FL 33040 , Key/Island: Key WestStatus: Active County: Monroe
 
 
MLS#612486
Prop TypeResidential
StyleTownhouse
ZoningHPRD - Hist Planned Redevelopment & Dev Dist
WaterfrontNo
PoolYes
Flood ZoneAE,0.2 PCT ANNUAL CH
Species List 
Control Depth0.00
SideBay/Gulf
AuctionTruman Annex
Unit/Complex 
Rentals AllowedWith Restrictions
Max Rental Days 
Min Rental Days30
Price$ 1,385,000
Taxes$ 9,261.42
Tax Year2023
Year Built1991
Living Apx SqFt1036
SqFt SourceProperty Data Card
Lot Size 
Lot SqFt0
Acres 
Total Units0
Handicap Access 
SideBay/Gulf
ROGO Exempt 
Area: 01 - Key West
Subdivision: Porter Court (1.0)
Total Bedrooms2
Full Baths2
Half Baths1
Dcmntd Septic Tnk 
Listing BoardKey West Association
Alternate Key #8783230
Parcel #00006700-000207
Add'l Parcel #1 
Add'l Parcel #2 
User Defined 16 
Deed RestrictionsUnknown
As is Rght to InspctYes
Limitd ReprsntationYes
Legal: UNIT 7 PORTER COURT A CONDOMINIUM OR1178-1732/36 OR1238-507/08 OR1276-1963/64 OR1526-469T/C OR1634-1505/06 OR2350-1708/0
Directions: Enter Truman Annex through Southard St entrance. Take a right at the first stop sign onto Emma St. Take a right at the next stop sign onto Fleming St. Then take a quick left onto Porter Ln.
Remarks - Consumer: Nautical charm meets modern comfort at this meticulously designed villa located in Truman Annex, Key West's most exclusive gated community. 413 Porter Lane maximizes every square foot, showcasing clever built-ins and ample storage. The first floor features a spacious living room, elegant dining area, and the efficient kitchen. Step through the back French doors onto the secluded deck, perfect for sunbathing on chaises or dining al fresco. Climb the stairs to the second floor where two generous bedrooms and two full bathrooms await. The primary suite features double closets and an en-suite bathroom with a walk-in shower. The second bedroom also offers double closets and easy access to a full hall bathroom. Beyond your private villa, enjoy resort-style living with access to the community pool, Jacuzzi spa, and plenty of lounging space. If it's the beach you're looking for, you won't have to go far to discover Fort Zachary Taylor Park just a few minutes away. One designated parking space included. Come experience Key West living at its finest!
 
Construction:Frame
Building Style:Above Flood: Unknown
Waterfront:None
Waterview:No Waterview
Dockage:None
Vehicle Storage:Car(s): 1; Assigned Parking
Furnished:Negotiable
Cooling:Ceiling Fans(s); Central Air
Utilities:Buyer to Verify
Appliances:Dishwasher; Dryer; Freezer; Microwave; Oven; Range; Refrigerator; Washer
Pool Info:In Ground; Heated: Yes; Concrete
Property Condition:Updated/Remodeled
Floor:Carpet; Tile; Wood
Pets:Pets w/Restrictions
Security:Patrolled Area
Land Size:Less Than 1/4 Acre
Association Info:Mandatory Home Owners Asc: Yes; 1st Right of Refusal: Yes; Association Fee $: 3,276.24; Maintenance Fee $: 1,424; Assoc/Mnt Fee Per: Quarterly
Fee Includes:Bldg Exterior Mnt; Building Insurance; Cable; Common Area Mnt; Security
Tax Exemptions:None
License Info:# of City License: 1; Non Trans Rntl Lic
  
Days On Market1
 
 
Provided as a courtesy of
Gary J McAdams
EXP Realty, LLC
3229 Flagler Avenue
Suite 103
Key West, FL 33040
Mobile - (305) 731-0501
Direct - (305) 731-0501
garrettmcadams@gmail.com
http://www.realtorgary.com
Additional PhotosListing # 612486

Information is deemed to be reliable, but is not guaranteed. © 2024 MLS and FBS. Prepared by Gary J McAdams on Tuesday, December 03, 2024 5:22 AM. The information on this sheet has been made available by the MLS and may not be the listing of the provider.

Address: 2712 Harris Avenue KEY WEST FL 33040 , Key/Island: Key WestStatus: Active County: Monroe
 
 
MLS#612487
Prop TypeResidential
StyleSingle Family
ZoningHDR - High Density Residential
WaterfrontNo
Control Depth0.00
PoolYes
Flood ZoneAE
SideMedian
AuctionNew Town
Unit/Complex 
Rentals AllowedWith Restrictions
Max Rental Days 
Min Rental Days28
Price$ 1,149,000
Taxes$ 3,319.92
Tax Year2023
Year Built1990
Living Apx SqFt1155
Lot Size 
Lot SqFt3,333
Acres0.08
Total Units0
Handicap Access 
SideMedian
ROGO Exempt 
Area: 04 - Key West
Subdivision: Coral Reef Estates (3.0)
Total Bedrooms2
Full Baths2
Half Baths0
Dcmntd Septic Tnk 
Listing BoardKey West Association
Alternate Key #1071595
Parcel #00067650-000000
Add'l Parcel #1 
Add'l Parcel #2 
User Defined 16 
Deed RestrictionsUnknown
As is Rght to InspctYes
Limitd ReprsntationNo
Legal: BK 3 PT LTS 8 AND 10 CORAL REEF ESTATES PB3-36 OR96-440/41 OR966-2380/81 OR966-2382D/C OR1051-2456 OR1092-959 OR1093-244
Directions:  
Remarks - Consumer: KEY WEST VACATION HOME! Your Tropical Oasis awaits! Here is a fantastic opportunity to own an elevated home with a private pool in one of the most coveted family neighborhoods on the island. As you make your way to the entrance you are welcomed by tropical landscaping and established orchids nestled on the palms. Once you enter the home, you will find an open concept kitchen and living room which is great for family time or entertaining. The kitchen is equipped with Viking appliances throughout and has a built in 100+ wine bottle cooler. Make your way out the double glass sliding doors to your fully fenced, private backyard oasis with travertine patio, covered sitting area and a perfect salt water plunge pool that is heated and chilled. This beautiful, well maintained home has two bedrooms and two bathrooms. The primary bedroom has a private porch and an ensuite bathroom with a large walk in shower. The secondary bathroom was fully remodeled this summer and has a tub with a shower. A new ondemand water heater was installed this month. This home is elevated, has impact windows and doors throughout and V Crimp metal roofing which will ensure low insurance costs. This property also has off street parking. This home would be a perfect turnkey vacation rental home as it can be sold fully furnished. Seller is a local licensed real estate agent. More photos coming soon.
 
Construction:Frame; Hardi Board Siding
Building Style:Above Flood: Yes; Stories: 1 Story
Waterfront:None
Waterview:No Waterview
Dockage:None
Vehicle Storage:Off Street Parking
Furnished:Negotiable
Cooling:Central Air
Porch/Balcony:Deck; Patio
Utilities:Cable Available; FKAA; Municipal Sewer
Interior Features:Smoke Alarms; Window Treatments
Pre-Wired:Optical
Appliances:Dishwasher; Dryer; Microwave; Oven; Range; Refrigerator; Stainless Steel Appliance(s); Washer; Wine Cooler
Exterior Features:Gazebo; Outdoor Shower; Privacy Wall/Fence
Pool Info:In Ground; Salt Water; Fiberglass
Property Condition:Updated/Remodeled
Windows/Doors:Impact Rstnce Doors; Impact Rstnce Window
Floor:Vinyl
Roof:Metal Roof
Pets:Pets Allowed
Land Size:Less Than 1/4 Acre
Terms:Cash; Conventional; FHA; No Seller Finance; VA
Title:Negotiable
Association Info:Mandatory Home Owners Asc: No; 1st Right of Refusal: No; Association Fee $: 0
Fee Includes:None
Tax Exemptions:Homestead
  
Days On Market1
 
 
Additional PhotosListing # 612487

Information is deemed to be reliable, but is not guaranteed. © 2024 MLS and FBS. Prepared by Gary J McAdams on Tuesday, December 03, 2024 5:23 AM. The information on this sheet has been made available by the MLS and may not be the listing of the provider.

Address: 18 Emerald Drive Big Coppitt FL 33040 , Key/Island: Big CoppittStatus: Active County: Monroe
 
 
MLS#612504
Prop TypeResidential
StyleSingle Family
ZoningIS - Improved Subivision District
WaterfrontYes
Control Depth3.00
PoolNo
Flood ZoneAE
SideBay/Gulf
Auction 
Unit/Complex 
Rentals AllowedWith Restrictions
Max Rental Days 
Min Rental Days28
Price$ 1,200,000
Taxes$ 6,333.04
Tax Year2023
Year Built1990
Living Apx SqFt1390
Lot Size 
Lot SqFt8,000
Acres0.18
Total Units1
Handicap AccessNo
SideBay/Gulf
ROGO Exempt 
Area: 05 - Stock Island to Shark Key
Subdivision: Porpoise Pt Sec 6 (10.0)
Total Bedrooms3
Full Baths2
Half Baths0
Dcmntd Septic Tnk 
Listing BoardKey West Association
Alternate Key #1201821
Parcel #00156400-000000
Add'l Parcel #1 
Add'l Parcel #2 
User Defined 16 
Deed RestrictionsUnknown
As is Rght to InspctYes
Limitd ReprsntationNo
Legal: BK 9 LT 18 PORPOISE POINT SECTION 6 BIG COPPITT KEY PB5-120 OR445-649/50 OR785-2028/29 OR809-501 OR842-1218 OR1086-2243
Directions:  
Remarks - Consumer: This custom-built, well-maintained 3-bedroom, 2-bath waterfront stilted home offers the perfect tropical retreat just 6 miles from Key West. Elevated on stilts, the property features 80 feet of concrete seawall, complete with davits and stunning emerald waters. Ideal for both indoor and outdoor entertaining, the home boasts updated bathrooms, tile flooring throughout, and a cathedral ceiling. With two screened-in decks and a garage, this move-in ready home is surrounded by lush tropical landscaping. The canal provides easy access for swimming, paddleboarding, and kayaking. In addition, it's just a short boat ride to Snipe Keys, Mud Keys, and Marvin Keys—an excellent spot for outdoor enthusiasts seeking a peaceful coastal lifestyle.
 
Construction:Frame
Building Style:Above Flood: Yes; Stilt Column Height: Medium - 5Ft - 9Ft
Waterfront:Canal Front
Waterview:Canal View
Dockage:Davits; Seawall: Concrete
Vehicle Storage:Garage; Car(s): 2; Covered Parking
Furnished:Negotiable
Cooling:Ceiling Fans(s); Central Air
Porch/Balcony:Open Porch/Balcony; Screened P/B
Utilities:FKAA; Municipal Sewer
Pre-Wired:Cable
Appliances:Dishwasher; Disposal; Dryer; Microwave; Oven; Range; Refrigerator; Stainless Steel Appliance(s); Washer
Exterior Features:Outdoor Shower
Windows/Doors:Sliding Glass Doors
Floor:Tile
Roof:Metal Roof
Pets:Pets Allowed
Land Size:Less Than 1/4 Acre
Title:Negotiable
Association Info:Mandatory Home Owners Asc: No; 1st Right of Refusal: No; Association Fee $: 0
Fee Includes:None
Tax Exemptions:Homestead
  
Days On Market0
 
 
Additional PhotosListing # 612504

Information is deemed to be reliable, but is not guaranteed. © 2024 MLS and FBS. Prepared by Gary J McAdams on Tuesday, December 03, 2024 5:23 AM. The information on this sheet has been made available by the MLS and may not be the listing of the provider.

Address: 701 Spanish Main Drive 414 Cudjoe FL 33042 , Key/Island: Cudjoe KeyStatus: Active County: Monroe
 
 
MLS#612501
Prop TypeResidential
StyleMobile Home
ZoningURML-L - Urban Res Mobile Home Limited Dist
WaterfrontYes
Control Depth3.00
PoolYes
Flood Zone 
SideOcean
Auction 
Unit/Complex 
Rentals AllowedYes
Max Rental Days 
Min Rental Days1
Price$ 449,000
Taxes$ 2,665.62
Tax Year2023
Year Built1984
Living Apx SqFt675
Lot Size 
Lot SqFt1,926
Acres 
Total Units 
Handicap Access 
SideOcean
ROGO Exempt 
Area: 07 - Cudjoe Key
Subdivision: Venture Out (23.0)
Total Bedrooms2
Full Baths1
Half Baths1
Dcmntd Septic Tnk 
Listing BoardMarathon/Lower Keys
Alternate Key #00188681041600
Parcel # 
Add'l Parcel #1 
Add'l Parcel #2 
User Defined 16 
Deed RestrictionsYes
As is Rght to Inspct 
Limitd ReprsntationNo
Legal:  
Directions: US-1 to Spanish Main Drive (MM 23) Spanish Main Drive to Venture Out which will be located on the left hand side.
Remarks - Consumer: Welcome to a slice of paradise tucked away in the gated community of Venture Out on Cudjoe Key, where your dream of coastal living becomes a reality. This charming 2-bedroom, 1.5-bathroom home invites you to embrace the tropical lifestyle, offering the perfect blend of comfort and tranquility. The interior of this cozy residence is thoughtfully furnished, ensuring you can start enjoying your new home immediately. Each room exudes a sense of relaxation, with natural light through the windows and sliding glass doors. Step outside to your 23' dock making it convenient to jump on your boat for a day out on the water. Venture Out offers an impressive array of amenities that cater to both full-time residents and visitors looking for a getaway. Enjoy the luxury of a heated pool that overlooks the ocean, a perfect spot to unwind. For those with a passion for sports and outdoor activities, Venture Out doesn't disappoint. Engage in a friendly game of pickleball, basketball, or bocce ball on the courts designed for recreation and connection. Venture Out is not only a community, but also a lifestyle.
 
Construction:Manufactured
Building Style:Above Flood: Unknown; Single Wide
Waterfront:Canal Front
Waterview:Canal View
Dockage:Dock Length: 23; Seawall: Concrete
Vehicle Storage:Car(s): 1; Off Street Parking; Vehicle Restrictions
Furnished:Furnished
Cooling:Ceiling Fans(s); Wall/Window Unit(s)
Porch/Balcony:Patio
Utilities:Buyer to Verify; Cable Available; FKAA; Water Separate Meter
Interior Features:Drapes/Blinds Incl; Smoke Alarms; Storage; Window Treatments
Pre-Wired:Cable
Appliances:Dryer; Microwave; Oven; Range; Refrigerator; Washer
Pool Info:In Ground; Heated: Yes; Concrete
Windows/Doors:Awning Windows; Sliding Glass Doors
Floor:Carpet; Tile
Roof:Metal Roof
Pets:Pets Allowed; Pets w/Restrictions: 2 Pets Allowed
Neighborhood Feature:Clubhouse; Community Boat Ramp; Community Dockage; Community Pool; Fire Hydrant; Handicap Facilities; Manager on Premises; Spa; Tennis Courts
Security:Electric Gate; Manned Gate; Patrolled Area; Secured Building
Land Size:Less Than 1/4 Acre
Terms:Cash; Conventional
Title:Negotiable
Association Info:Mandatory Home Owners Asc: Yes; 1st Right of Refusal: No; Association Fee $: 1,762.98; Assoc/Mnt Fee Per: Quarterly
Fee Includes:Common Area Mnt; Security
Tax Exemptions:None
License Info:Transient Rntl Licns: Yes
  
Days On Market1Bank OwnedNoPotential Short SaleNo
 
 
Additional PhotosListing # 612501

Information is deemed to be reliable, but is not guaranteed. © 2024 MLS and FBS. Prepared by Gary J McAdams on Tuesday, December 03, 2024 5:24 AM. The information on this sheet has been made available by the MLS and may not be the listing of the provider.

Address: 27325 Barbuda Lane Ramrod FL 33042 , Key/Island: Ramrod KeyStatus: Active County: Monroe
 
 
MLS#612494
Prop TypeResidential
StyleSingle Family
ZoningIS - Improved Subivision District
WaterfrontYes
Control Depth3.00
PoolNo
Flood ZoneAE
SideOcean
Auction 
Unit/Complex 
Rentals AllowedWith Restrictions
Max Rental Days 
Min Rental Days28
Price$ 879,000
Taxes$ 5,735.10
Tax Year2023
Year Built1991
Living Apx SqFt1120
Lot Size 
Lot SqFt6,000
Acres0.14
Total Units0
Handicap Access 
SideOcean
ROGO Exempt 
Area: 09 - Ramrod Key
Subdivision: Breezeswept Bch Est (27.5)
Total Bedrooms2
Full Baths2
Half Baths0
Dcmntd Septic Tnk 
Listing BoardKey West Association
Alternate Key #1268241
Parcel #00204930-000000
Add'l Parcel #1 
Add'l Parcel #2 
User Defined 16 
Deed RestrictionsUnknown
As is Rght to InspctYes
Limitd ReprsntationNo
Legal: BK 14 LT 11 BREEZESWEPT BEACH ESTATES RAMROD KEY PB4-143
Directions: From Overseas Highway, turn Oceanside onto W Indies Dr. Turn Left to stay on W Indies Dr. Continue Left at the fork to stay on W Indies Dr. Then turn right onto Barbuda Ln.
Remarks - Consumer: Nestled in the tranquil Breeze Swept Beach Estates of Ramrod Key, this fully updated 2-bedroom, 2-bathroom waterfront home captures the essence of Florida Keys living. Designed with durability and comfort in mind, the home features impact-resistant doors and windows, providing safety and peace of mind. The brand-new metal roof and Hardi Board siding offer long-lasting protection from the elements, ensuring the home remains low-maintenance for years to come. Inside, the open-concept main living area is a bright and airy space, perfect for entertaining or relaxing. The kitchen is a standout feature, boasting abundant cabinetry for all your storage needs, stainless steel appliances, and a peninsula with seating, ideal for casual meals or hosting guests. This charming home features two spacious bedrooms, including a primary suite with its own ensuite bathroom, along with an additional full bath for guests. Outdoor living is at its finest here, with a spacious screened-in patio that provides the ideal spot to enjoy your morning coffee, entertain friends, or simply soak in the sea breeze. The expansive yard offers endless potential, whether you envision lush landscaping, a pool, or additional outdoor seating areas to fully enjoy the Florida Keys lifestyle. Situated on a deep-water canal with no bridge access to the Atlantic Ocean, it provides direct, easy access to some of the best fishing, diving, and boating spots in the Keys. The private dock is perfect for securing your vessel, while the 10k boat lift makes storage and maintenance a breeze. The convenient filet station adds functionality, allowing you to clean and prepare your fresh catch right at home. The lower level features a covered carport, providing ample space for parking vehicles. This property embodies the best of Florida Keys living with its thoughtful updates, unbeatable location, and views.
 
Construction:Frame; Hardi Board Siding
Building Style:Above Flood: Yes
Waterfront:Canal Front
Waterview:Canal View
Dockage:Dock: Wood; Boat Lift
Vehicle Storage:Carport; Off Street Parking; Open Parking; Trailer Storage
Furnished:Negotiable
Cooling:Ceiling Fans(s); Central Air
Porch/Balcony:Screened Patio
Utilities:Buyer to Verify; FKAA; Municipal Sewer
Interior Features:Storage; Window Treatments
Appliances:Dishwasher; Dryer; Oven; Range; Refrigerator; Stainless Steel Appliance(s); Washer
Exterior Features:Storage
Property Condition:Updated/Remodeled
Windows/Doors:Impact Rstnce Doors; Impact Rstnce Window
Roof:Metal Roof
Pets:Pets Allowed
Neighborhood Feature:Bike Paths
Land Size:Less Than 1/4 Acre
Terms:Cash; Conventional; FHA
Title:Negotiable
Association Info:Mandatory Home Owners Asc: No; Voluntary Home Owners Asc: Yes; 1st Right of Refusal: No; Association Fee $: 0
Fee Includes:None
Tax Exemptions:None
  
Days On Market1
 
 
Additional PhotosListing # 612494

Information is deemed to be reliable, but is not guaranteed. © 2024 MLS and FBS. Prepared by Gary J McAdams on Tuesday, December 03, 2024 5:24 AM. The information on this sheet has been made available by the MLS and may not be the listing of the provider.

Address: 1388 Avenue B Big Pine FL 33043 , Key/Island: Big Pine KeyStatus: Active County: Monroe
 
 
MLS#612498
Prop TypeResidential
StyleSingle Family
ZoningIS - Improved Subivision District
WaterfrontNo
Control Depth0.00
PoolNo
Flood ZoneAE
SideMedian
Auction 
Unit/Complex 
Rentals AllowedWith Restrictions
Max Rental Days 
Min Rental Days28
Price$ 790,000
Taxes$ 2,220.62
Tax Year2023
Year Built2025
Living Apx SqFt1290
Lot Size 
Lot SqFt7,500
Acres0.17
Total Units 
Handicap Access 
SideMedian
ROGO Exempt 
Area: 11 - Big Pine Key, No Name Key
Subdivision: Palm Villa (30.5)
Total Bedrooms3
Full Baths2
Half Baths0
Dcmntd Septic Tnk 
Listing BoardKey West Association
Alternate Key #1350583
Parcel #00278570-000000
Add'l Parcel #1 
Add'l Parcel #2 
User Defined 16 
Deed RestrictionsUnknown
As is Rght to InspctYes
Limitd ReprsntationNo
Legal: BK 7 LT 1 PALM VILLA BIG PINE KEY PB1-89 J2-179 OR367-396 OR686-157 OR713-564 OR801-1462 OR813-1955 OR835-1941 OR1188-13
Directions:  
Remarks - Consumer: Welcome to the future home site at 1388 Avenue B in the sought-after Palm Villa neighborhood of Big Pine Key! This ROGO-exempt vacant lot offers a rare opportunity to build your dream home in paradise. Currently planned for a stunning two-story wood-frame single-family home, the design features 3 bedrooms, 2 baths, and 1,290.5 square feet of living space elevated on sturdy concrete columns with a concrete slab. The layout also includes a 98.61 sq. ft. enclosed area for convenient storage. Buy now and bring your own custom vision to life, or take advantage of the existing plans to have a beautiful new home constructed for you. Virtual Staging of what the current plans will look like are in the photos. Either way, this property is your gateway to the tranquil lifestyle of the Florida Keys. Don't miss this versatile opportunity! Call today for more details.
 
Construction:Frame
Building Style:Above Flood: Yes; Stories: 2 Stories
Waterfront:None
Waterview:No Waterview
Dockage:None
Vehicle Storage:Covered Parking; Off Street Parking
Furnished:Negotiable
Cooling:Central Air
Utilities:Buyer to Verify; FKAA; Sewer Available
Appliances:Dishwasher; Dryer; Refrigerator; Washer
Property Condition:New Construction
Pets:Pets Allowed
Land Size:Less Than 1/4 Acre
Terms:Cash; Conventional; FHA; VA
Title:Negotiable
Association Info:Mandatory Home Owners Asc: No; 1st Right of Refusal: No; Association Fee $: 0
Fee Includes:None
Tax Exemptions:None
  
Days On Market6
 
 
Additional PhotosListing # 612498

Information is deemed to be reliable, but is not guaranteed. © 2024 MLS and FBS. Prepared by Gary J McAdams on Tuesday, December 03, 2024 5:25 AM. The information on this sheet has been made available by the MLS and may not be the listing of the provider.

Please call me at 305-731-0501 or email me at garymcadams@realtorgary.com if you would like to see one of these great properties or any or the other the hundreds of other properties available in Key West and the Florida Keys. You can always view the entire Florida Keys MLS by clicking the "MLS Search" button on my website. You too can live in the Florida Keys and I can help you make that happen.
 
Gary
 
Gary McAdams, PA
Realtor/Notary Public
EXP Big
Key West, Florida 

Key West and Lower Florida Keys Real Estate Market Activity, 12/06/2024

The weekend is here. Weekends were made for Florida Keys Real Estate, not Michelob. Only those of us in our mid 50's or older will under...