Key West Homes with FHA Finance Terms

Key West Homes with FHA Finance Terms

Welcome to Key West, Florida—an enchanting island city that beckons with its vibrant culture, stunning sunsets, and a unique blend of history and modernity. Nestled in Monroe County, Key West is the southernmost point of the continental United States and is renowned for its laid-back atmosphere, picturesque streets lined with swaying palm trees, and charming pastel-colored homes.

This tropical paradise offers a lifestyle that seamlessly combines relaxation and adventure. Whether you're exploring the lively Duval Street, indulging in fresh seafood at local eateries, or enjoying water activities like snorkeling and sailing, Key West has something for everyone. The island's rich history is palpable, with landmarks such as the Ernest Hemingway Home and Museum and the iconic Southernmost Buoy inviting exploration.

For those considering making this beautiful city their home, the housing market in Key West is as diverse as its residents. From cozy cottages to luxurious waterfront properties, there’s a home to fit every taste and budget. Many of these homes are eligible for FHA financing, making it easier for first-time buyers and those looking to invest in a slice of paradise. FHA loans offer lower down payment options and more flexible credit requirements, making homeownership in Key West more accessible than ever.

Imagine waking up to the sound of the ocean and the scent of salt in the air, all while enjoying the benefits of a community that values both relaxation and vibrant living. Key West is not just a destination; it’s a lifestyle waiting to be embraced. Come find your dream home in this tropical haven today!

Newest Key West Homes with FHA Finance Terms

2911 Seidenberg Ave, Key West
$1,195,000
3 Beds ⋅ 2 Baths ⋅ 621482 MLS
Welcome to your dream home in the heart of Key West's MidTown! This beautifully updated 3-bedroom, 2-bathroom residence blends modern comfort with island charm. Step inside to a spacious, open-concept living area designed for both relaxing and entertaining. The true highlight is the private backyard oasis -- featuring a sparkling pool surrounded by fresh tropical landscaping, an expansive deck, and plenty of room for outdoor dining and lounging. Whether hosting guests or enjoying a quiet evening under the palms, this outdoor retreat feels like your own private paradise. Recent renovations provide peace of mind, including new impact windows and doors, Hardie board siding, and other thoughtful upgrades. Off-street parking adds everyday convenience. Perfectly located in the desirable MidTown neighborhood, this home keeps you close to shopping, dining, and all the best of Key West living. Don't miss this opportunity to own a beautifully updated slice of paradise in Key West -- schedule your private showing today!

2911 Seidenberg Ave, Key West
2506 Seidenberg Ave, Key West
$799,000
3 Beds ⋅ 3 Baths ⋅ 621467 MLS
Welcome to 2506 Seidenberg Avenue, a spacious 3-bedroom, 3-bath home offering 1,922 square feet of living space in the heart of Midtown Key West. Framed by tropical landscaping and a classic white picket fence, this home offers plenty of space and a flexible layout for comfortable island living. The main living area flows into a large eat-in kitchen featuring abundant cabinetry, stainless steel appliances, generous counter space, and plenty of room for dining and entertaining. Three bedrooms and three full baths provide ample accommodations, while additional living space at the rear of the property offers added flexibility for guests, a home office, den, or private retreat. A garage provides valuable parking and storage. Centrally located just minutes from Old Town, beaches, shopping, dining, and all that Key West has to offer. With nearly 2,000 square feet, versatile additional living space, a garage, and a convenient Midtown location, 2506 Seidenberg Avenue presents a unique opportunity to make a Key West home your own. Owner financing may be available.

2506 Seidenberg Ave, Key West
1614 Washington St, Key West
$4,300,000
4 Beds ⋅ 5 Baths ⋅ 621463 MLS
There is a certain rhythm to life in Key West. Mornings begin outside, friends have a way of staying longer than planned, and some of the best evenings never make it past the backyard. 1614 Washington Street was designed for exactly that kind of life. Natural light, high ceilings, and an easy connection to the outdoors give the home an immediate sense of openness. The main living spaces flow naturally toward the pool and tropical garden, creating a setting that works just as well for a quiet morning at home as it does for dinner with friends that stretches late into the evening. The heated and chilled pool features two distinct levels--a shallow splash deck and a deeper swimming area--connected by cascading water features and surrounded by mature tropical landscaping that feels remarkably private. The floor plan understands that guests are part of island life, but privacy still matters. The first-floor primary suite creates a comfortable retreat for the owners, while upstairs, three en-suite bedrooms surround their own den and lounge. Family and friends can settle in, unpack, and have a space of their own rather than simply occupying yours. Behind that relaxed lifestyle is a house designed to make living here easier. Award-winning local architect Matthew Stratton brought together solid masonry construction, impact-rated windows and doors, solar power with Tesla battery storage, an EV charger, custom cabinetry, quartz surfaces, and thoughtful systems chosen for the realities of coastal living. The technology is there when you need it and nearly invisible when you don't. Morning walks, bike rides, the beach, neighborhood restaurants, galleries, and everything that makes Key West unlike anywhere else are simply part of the day. 1614 Washington invites you to open the doors, gather the people you love, jump in the pool, stay for dinner, and make yourself at home. Because ultimately, the best luxury isn't about having more. It's having a home that lets you live well.

1614 Washington St, Key West
3312 Northside Dr Unit APT 707, Key West
$499,000
2 Beds ⋅ 2 Baths ⋅ 621440 MLS
Stunning Renovated 2-Bedroom Condo with Panoramic Ocean Views - Key West, FL Welcome to your slice of paradise! This beautifully renovated 2-bedroom, 2-bath condo on the 7th floor offers breathtaking, unobstructed ocean views and the best of island living in Key West. Step inside to find a bright and airy open-concept living space, complete with modern finishes, sleek tile flooring, and expansive windows that flood the unit with natural light. The updated kitchen features granite countertops, stainless steel appliances, custom cabinetry, and a stylish backsplash--perfect for entertaining or relaxing with a view. The spacious primary suite includes ocean views, a nice closet, and a en-suite bath. A second bedroom and full bathroom make this an ideal space for guests or a home office. Enjoy your morning coffee or evening wine from your private balcony overlooking the turquoise waters of the Atlantic. The condo also offers resort-style amenities including a pool,secure entry, and open parking. Located just minutes from Key West's world-class dining, shopping, and entertainment, this condo is your dream home in the heart of the island. Whether you're looking for a full-time residence, vacation getaway, or investment opportunity, this one has it all. Don't miss your chance to own this ocean-view gem--schedule a private showing today!

3312 Northside Dr Unit APT 707, Key West
1901 S Roosevelt Blvd Unit N104, Key West
$849,000
2 Beds ⋅ 2 Baths ⋅ 621436 MLS
Coastal Living at Its Finest - 2-Bedroom Condo at La Brisa ! Wake up to ocean breezes in this beautifully appointed 2-bedroom, 2-bathroom condo located just steps from Smathers beach. Situated directly across the street from the shoreline, this bright and airy residence offers the perfect blend of comfort, convenience, and coastal charm. Inside, you'll find a spacious open-concept living and dining area filled with natural light, a modern kitchen , and two generously sized bedrooms with ample closet space. The primary suite features a private en-suite bathroom, while the second bedroom is ideal for guests or a home office. Relax on your private balcony with peaceful Salt Pond views, or take a short stroll across the street to sink your toes in the sand. This condo also offers amenities such as assigned parking, in-unit laundry, and access to a community pool, tennis courts and clubhouse. Perfect as a primary residence, weekend retreat, or investment property--this is beachside living made easy! Call for your private tour today !

1901 S Roosevelt Blvd Unit N104, Key West
3200 Harriet Ave, Key West
$665,000
2 Beds ⋅ 2 Baths ⋅ 621434 MLS
3200 Harriet Avenue | Key West, FL Tucked away on a desirable corner lot, this spacious 2-bedroom, 1.5-bath townhouse offers 1,332 square feet of comfortable living and one of the largest floor plans in the community. Combining privacy, generous living space, and exceptional outdoor amenities, this home is a rare find in Key West. One of the property's most appealing features is the absence of HOA fees, allowing you to enjoy all the benefits of homeownership without monthly association dues or restrictive community fees. It's a rare opportunity to own a spacious townhouse with the freedom and flexibility typically associated with a single-family home. Step outside to your own private pool, creating the perfect setting for entertaining, relaxing, or enjoying the tropical island lifestyle year-round. The corner-lot location provides added privacy and outdoor space, making this home feel even more secluded. Inside, the well-designed floor plan offers bright, inviting living spaces with plenty of room to gather, work from home, or simply unwind after a day on the water. Conveniently located in New Town, 3200 Harriet Avenue is just minutes from shopping, dining, schools, beaches, and all that Old Town Key West has to offer. Whether you're looking for a primary residence, vacation home, or investment property, this home delivers an outstanding combination of space, privacy, and the quintessential Key West lifestyle.

3200 Harriet Ave, Key West
3316 Harriet Ave, Key West
$535,000
2 Beds ⋅ 2 Baths ⋅ 621365 MLS
Priced to sell and one of the most affordable opportunities in the popular Key West Estates! 3316 Harriet Avenue is an excellent option for a first-time homebuyer, investor, or workforce housing, offering NO HOA fees, deeded parking, shed, screened in covered porch, air-conditioning, and a private fenced outdoor area complete with landscaping. Conveniently located in New Town near shopping, schools, recreation, and everything Key West has to offer! This property provides a rare opportunity to own in Key West at an approachable price point. Schedule a showing today!

3316 Harriet Ave, Key West
1220 Newton St Unit 5, Key West
$779,000
4 Beds ⋅ 2 Baths ⋅ 621353 MLS
Welcome to 1220 Newton Street, Unit 5, located in the beautiful Meadows neighborhood of Key West's Historic Old Town. For those looking for space and value in Key West, this four-bedroom, two-bathroom home is a rare find. Featuring impressive 10-foot ceilings, original hardwood floors, and plenty of natural light, the residence spans the second and third floors of this classic Conch mansion. Step inside to a bright and comfortable living room with an abundance of natural light. A great space to relax, entertain, or simply enjoy being home. The kitchen is conveniently located just off the main living area. Also on this level is a generously sized bedroom with French doors that could easily serve as a home office, den, or game room. A full bathroom is just around the corner and completes the main level. Upstairs, you'll find three additional bedrooms and a second full bathroom, providing separation and privacy from the main living areas below. This property offers plenty of flexibility as a full-time residence or investment property with the potential for long-term rental income. Call today to schedule your private showing!

1220 Newton St Unit 5, Key West
3314 Northside Dr Unit 55, Key West
$599,900
3 Beds ⋅ 2 Baths ⋅ 621290 MLS
Exceptional Family Home or Investment Opportunity in Solana Village! Beautifully updated elevated 3-bedroom, 2-bath home featuring impact-resistant doors and windows, a renovated kitchen, a 4-year-old roof with remaining warranty, and a 4-year-old AC. Bright, open living spaces are filled with natural light, while the spacious porch offers the perfect place to relax and enjoy the Florida lifestyle. Located in desirable Solana Village, this home offers low HOA fees of just $1,500 per year and access to a large community pool. Ideal as a primary residence, vacation home, or investment property. Property owned by listing agent.

3314 Northside Dr Unit 55, Key West
611 Grinnell St Unit 6, Key West
$950,000
2 Beds ⋅ 1 Baths ⋅ 621278 MLS
Grinnell Street is often said to be one of the best streets to live on in Old Town, and this charming 2-bedroom home makes it easy to see why. Tucked away in a small, quiet association of just seven residences, the property offers a peaceful setting right in the heart of Old Town, Key West. Inside, the home is bright and beautifully updated, with plenty of natural light throughout. The kitchen has been tastefully updated with crisp white cabinetry, quartz countertops and stainless steel appliances. The spacious primary bedroom is filled with natural light, while the second bedroom is perfect for guests, a home office, or both. A beautifully renovated bathroom and new A/C units complete the interior. One of the best parts of this home is the outdoor space. There are several private areas to lounge and unwind, along with your own outdoor dining space for enjoying morning coffee or dinner outside. A grill on site makes it easy to cook and entertain without ever having to leave home. The association also features a large heated swimming pool surrounded by beautiful landscaping, perfect for cooling off after a bike ride through Old Town. The home is being offered fully furnished and has future bookings already in place should the new owner wish to continue renting. Walk to neighborhood coffee shops, some of Key West's best restaurants and shops, the Historic Seaport and everything Old Town has to offer. Quiet, charming and incredibly well located, this is an easy Key West home to fall in love with.

611 Grinnell St Unit 6, Key West
709 Olivia St, Key West
$1,395,000
2 Beds ⋅ 4 Baths ⋅ 621163 MLS
NEW LISTING IN OLD TOWN WITH OFF STREET PARKING! This Old Town investment property comes fully furnished so you can move right in or start renting immediately. It is a legal duplex with two units, each having one bedroom and one and a half bathrooms but could easily be converted to a single family home. Located on a fenced corner lot in Old Town, it's just blocks from Duval Street, making it very convenient for dining, shopping, nightlife and enjoying the Key West sights The home has updated kitchen and baths, ductless AC units, hardwood floors, vaulted ceilings, and skylights. It's a perfect mix of modern style and classic Keys architecture. Live in one unit and rent out the other, have a dedicated private guest space, or use both to generate income. Each unit has its own private outdoor area and laundry. There is a welcoming front porch perfect for morning coffee. Desired X Flood Zone!

709 Olivia St, Key West
709 Olivia St, Key West
$1,395,000
2 Beds ⋅ 4 Baths ⋅ 621159 MLS
NEW LISTING IN OLD TOWN WITH OFF STREET PARKING! This Old Town investment property comes fully furnished so you can move right in or start renting immediately. It is a legal DUPLEX with two units, each having one bedroom and one and a half bathrooms. Located on a fenced corner lot in Old Town, it's just blocks from Duval Street, making it very convenient for dining, shopping, nightlife and enjoying the Key West sights The home has updated kitchen and baths, ductless AC units, hardwood floors, vaulted ceilings, and skylights. It's a perfect mix of modern style and classic Keys architecture. Live in one unit and rent out the other, have a dedicated private guest space, or use both to generate income. Each unit has its own private outdoor area and laundry. There is a welcoming front porch perfect for morning coffee. Desired X Flood Zone!

709 Olivia St, Key West
Start Your Search