Big Pine Key Homes with Conventional Finance Terms

Big Pine Key Homes with Conventional Finance Terms

Welcome to Big Pine Key, a hidden gem nestled in the heart of the Florida Keys! This enchanting island, part of Monroe County, offers a unique blend of natural beauty, vibrant wildlife, and a laid-back island lifestyle that beckons homebuyers seeking a slice of paradise.

Big Pine Key is renowned for its stunning landscapes, featuring lush tropical vegetation, crystal-clear waters, and breathtaking sunsets that paint the sky in hues of orange and pink. The island is home to the endangered Key deer, a miniature species that roams freely, adding to the charm and allure of this serene locale. Outdoor enthusiasts will delight in the numerous recreational opportunities available, from kayaking and paddleboarding to fishing and birdwatching in the nearby National Key Deer Refuge.

When it comes to real estate, Big Pine Key offers a variety of homes that cater to diverse tastes and budgets. Whether you're looking for a cozy cottage by the water or a spacious family home surrounded by nature, you'll find properties that fit your lifestyle. Many of these homes are available with conventional financing terms, making it easier for you to secure your dream home in this idyllic setting.

The community here is warm and welcoming, fostering a sense of belonging that makes Big Pine Key not just a place to live, but a place to thrive. With its unique charm, stunning scenery, and friendly atmosphere, Big Pine Key is the perfect destination for those looking to embrace the enchanting Florida Keys lifestyle. Come and discover your new home in this tropical paradise!

Newest Big Pine Key Homes with Conventional Finance Terms

1539 Lantana Ln, Big Pine
$995,000
2 Beds ⋅ 2 Baths ⋅ 621441 MLS
Beautifully maintained CBS home in the desirable Eden Pines Colony, custom-built by well-known builder Art Fuchs. Situated on a 7,625 SF corner lot with approximately 195 feet of canal frontage, the property is surrounded by a 45-foot-wide canal to the east and a 50-foot-wide canal to the south. The waterfront features a concrete seawall, two step-down docks, davits, and a convenient fish-cleaning table, with excellent access to both the ocean and backcountry. The 1,092 SF home offers a comfortable split-bedroom layout, tile flooring throughout, a spacious kitchen, and a screened porch with access from both the living room and primary bedroom. The ground level includes a 480 SF garage, covered parking and sitting area, plus an additional 192 SF storage area. Additional features include a metal roof, accordion shutters, and panel shutters for the sliding glass doors. The property is surrounded by mature coconut palms, slash pines, and a good-sized mango tree, making the outdoor space easy to maintain. Furnishings will remain for the seller's convenience. No HOA. A great opportunity to own a well-maintained canal-front home in Big Pine Key and make it your own

1539 Lantana Ln, Big Pine
74 Pelican Ln, Big Pine
$680,000
3 Beds ⋅ 3 Baths ⋅ 621396 MLS
Welcome to this inviting 3 bedroom, 3 bathroom home offering a spacious, flowing layout with high ceilings and a comfortable Keys lifestyle. Recent updates include new flooring throughout, quartz kitchen countertops, a remodeled primary bathroom, and fresh interior paint, creating a clean and move-in-ready feel. The third guest bedroom features its own private entrance, offering flexibility for guests, a home office, or additional privacy. Outside, enjoy a storage shed, open and covered parking, and plenty of room for boats, trailers, and outdoor gear. Located on a swimming canal, ideal for kayaking, paddleboarding, and enjoying the relaxed Florida Keys lifestyle. Conveniently located between Key West and Marathon, this home offers a great combination of comfort, location, and waterfront enjoyment. Come see all this property has to offer and experience the Keys lifestyle for yourself. Seller offering $10,000 to buyer for closing costs!

74 Pelican Ln, Big Pine
3667 S Seas St, Big Pine
$939,000
2 Beds ⋅ 2 Baths ⋅ 621362 MLS
BIG PINE KEY WATERFRONT RETREAT -- COMPLETELY REMODELED! Experience the Florida Keys lifestyle in this beautifully remodeled 2-bedroom, 2-bath concrete home with 1,124 sq. ft. This move-in-ready waterfront property combines modern upgrades with everything you need to enjoy life on the water. The home features new impact windows and impact door installed in August 2026 and a new A/C system installed in September 2026. The remodeled kitchen offers Samsung stainless-steel appliances and upgraded quartz countertops, creating a bright and functional space for everyday living and entertaining. The spacious primary suite features a large walk-in shower, with a convenient laundry closet located just off the primary bathroom. The second bedroom is currently furnished with two full-size beds, making it ideal for guests or family. Outside, enjoy your own piece of the Keys with a concrete dock and seawall plus a boat elevator lift. Spend your days boating, fishing, diving, or simply relaxing by the water. The fully fenced yard provides privacy and helps protect your landscaping from Big Pine Key's famous and adorable Key deer. Solid concrete construction, extensive recent upgrades, waterfront living, and a private boat lift make this a special Big Pine Key opportunity. Come experience the laid-back Florida Keys lifestyle for yourself!

3667 S Seas St, Big Pine
31169 Ave G, Big Pine
$660,000
3 Beds ⋅ 2 Baths ⋅ 621351 MLS
2.375% ASSUMABLE VA LOAN! Welcome to your own slice of paradise. Built in 2021, this 3-bed, 2-bath home combines modern construction with the relaxed, tropical lifestyle that makes the Lower Keys so special. The home features elevated construction, a durable metal roof, impact-resistant windows and doors, central A/C, and durable vinyl flooring throughout. The open living space flows into a well-appointed kitchen with stainless steel appliances, creating an inviting setting for both everyday living and entertaining. Hardwired security cameras are already installed around the property, providing added convenience and peace of mind. Step outside to enjoy the covered porch, covered parking, storage shed, and tropical landscaping, including a breadfruit tree and Key lime tree. With no HOA, this property offers flexibility and the quintessential Big Pine Key lifestyle. The existing VA loan carries an attractive 2.375% interest rate and may be assumable by a qualified buyer, subject to VA and lender approval and applicable requirements. Whether you're looking for your first home, a place to put down roots, or simply a quieter pace away from the hustle and bustle, 31169 Avenue G offers the opportunity to embrace the laid-back, island lifestyle of Big Pine Key. More photos coming soon.

31169 Ave G, Big Pine
1160 Ave A, Big Pine
$799,000
4 Beds ⋅ 4 Baths ⋅ 621309 MLS
Set on a spacious 13,750 sq. ft. double lot, this 4 bedroom, 4 bath home offers 2,284 sq. ft. of living space surrounded by lush tropical landscaping and an exceptional collection of 16 varieties of fruit trees. Originally built in 1981 and extensively renovated following Hurricane Irma, the residence features Hardie Board siding and trim, impact windows, seamless gutters and a comfortable interior designed for everyday island living. Inside, soaring ceilings create a bright, open feel, with all 4 bedrooms located upstairs for added separation from the main living spaces. The kitchen features granite countertops, lighted cabinetry, a propane range and generous double pantry storage. From the living room, views extend across the front porch to the surrounding fruit trees, bringing the tropical setting into everyday living. The spacious primary suite includes a sitting area, walk-in closet with automatic lighting, and en-suite bath. The front porch is designed for enjoying the setting, with built-in seating and umbrellas creating a shaded place to relax among the tropical landscape. You can even pick fresh star fruit right from the porch. A rear porch with a hot tub provides additional outdoor living space, while automatic low-voltage landscape lighting illuminates the grounds after sunset. The property features 16 varieties of tropical fruit trees, including mango, avocado, guava, star fruit, banana, coconut, sapodilla and more. A 2-car garage adds excellent storage and functionality with remote-controlled barn-style doors, roll-down shutters, and a pulley system for elevated storage. Additional features include Hardie Board siding and trim, impact windows, seamless gutters, 30-amp service and electric on-demand hot water. With its expansive lot, abundant outdoor living areas and remarkable tropical landscape, this property offers a distinctive slice of Florida Keys living.

1160 Ave A, Big Pine
545 Ixora Dr, Big Pine
$1,300,000
3 Beds ⋅ 2 Baths ⋅ 621291 MLS
A rare find on Big Pine Key! This home is ground level, but above flood. It sits on almost 1/2 an acre, with aprox 290 feet of concrete seawall, with access to the Gulf, and the Atlantic. Located in a private neighborhood close to Big Pine park, with 3 bedrooms, 2 bathrooms, an inground pool, and a beautiful screened in back porch, this home has a lot to offer!

545 Ixora Dr, Big Pine
29486 Ranger Ave, Big Pine
$1,200,000
3 Beds ⋅ 2 Baths ⋅ 621285 MLS
Your Florida Keys lifestyle is calling! This newly updated Big Pine Key home offers 3 bedrooms, 2 bathrooms and a spacious screened porch The perfect place to relax, entertain and enjoy the island breeze. Boaters will love the 75 feet of seawall, excellent boating access and plenty of storage for all the fishing and water-sports gear. With a strong rental history, this property also offers exciting income-producing potential. Whether you're searching for a full-time island home, vacation getaway or investment property, this one checks all the boxes! Closing would need to be after January 1 , 2027.

29486 Ranger Ave, Big Pine
31450 Ave G, Big Pine
$1,750,000
3 Beds ⋅ 2 Baths ⋅ 621198 MLS
Exclusive New Construction in Big Pine Key, Florida Discover the perfect blend of modern luxury, coastal living, and exclusive design in this stunning newly constructed home in Big Pine Key, Florida. Featuring 3 spacious bedrooms and 2 beautifully designed bathrooms, this exceptional residence offers a sophisticated open-concept interior with high-end finishes, contemporary details, and an elegant design created for comfort and style. Step outside to an expansive terrace where you can relax, entertain, and enjoy breathtaking ocean and canal views. The property also features a private boat lift, providing direct and convenient access to the water--perfect for boating and enjoying the incredible Florida Keys lifestyle. Situated on an approximately 9,000-square-foot lot, this property offers generous outdoor space and privacy while embracing the natural beauty of the Keys. Every detail has been thoughtfully designed to create a unique and exclusive living experience. Whether you're looking for a luxurious primary residence, a private Keys retreat, or an exceptional investment opportunity, this one-of-a-kind Big Pine Key home offers the perfect combination of modern architecture, waterfront living, and the unmistakable charm of the Florida Keys.

31450 Ave G, Big Pine
31441 Ave F, Big Pine
$975,000
4 Beds ⋅ 3 Baths ⋅ 621181 MLS
Brand-New Waterfront Home in the Florida Keys Discover the perfect blend of modern luxury and relaxed island living in this stunning brand-new construction home in the Florida Keys. Boasting beautiful canal views, this exceptional property offers the ideal setting to enjoy the tropical lifestyle the Keys are famous for. The home features 4 spacious bedrooms and 3 beautifully appointed bathrooms, providing plenty of room for family, guests, or entertaining. The open and inviting layout is designed to maximize natural light and create seamless connections between the indoor and outdoor living spaces. Enjoy peaceful mornings overlooking the canal and breathtaking sunsets in your own private paradise. With its modern construction, spacious living areas, and desirable waterfront setting, this home is an excellent opportunity for anyone looking to experience the Florida Keys lifestyle in a brand-new residence. Modern design. Spacious living. Waterfront views. Your Florida Keys dream starts here.

31441 Ave F, Big Pine
31490 Ave F Unit Avenue F, Big Pine
$950,000
3 Beds ⋅ 3 Baths ⋅ 621180 MLS
Brand-New Waterfront Home in the Florida Keys Discover the ultimate Florida Keys lifestyle in this stunning brand-new construction, perfectly designed for those who love boating, waterfront living, and the beauty of the Gulf. This exceptional property features 3 spacious bedrooms, 2.5 bathrooms, and a private boat dock, providing direct access to the Gulf for unforgettable days on the water. The home offers generous parking space and is being sold fully furnished, allowing you to move in and immediately enjoy everything the Keys have to offer. From the modern finishes and comfortable living spaces to the incredible waterfront setting, every detail was designed for relaxation and enjoyment. Step outside and enjoy your own private waterfront paradise, with your boat just steps from your door and direct access to the Gulf. Whether you're looking for a luxurious primary residence, a vacation retreat, or an exceptional investment opportunity, this property offers the perfect combination of new construction, boating access, comfort, and the laid-back Florida Keys lifestyle. Your dream home on the water is ready to welcome you home.

31490 Ave F Unit Avenue F, Big Pine
30851 Baileys Ln, Big Pine
$1,260,000
3 Beds ⋅ 2 Baths ⋅ 621133 MLS
Built in 2024 and ready for island living! Welcome to 30851 Baileys Lane, a beautifully designed 3-bedroom, 2-bath waterfront home offering 1,120 sq. ft. of modern coastal living in the heart of Big Pine Key. Bright, open and inviting, the home features a thoughtfully designed floor plan filled with natural light and an easy indoor-outdoor flow. Step outside and enjoy the lifestyle people come to the Florida Keys for--boating, fishing, kayaking and relaxing by the water, all right from your own piece of paradise. The elevated design provides valuable covered space below for parking, storage, boats and all your Keys toys. Built in 2024, this home offers the advantage of newer construction so you can spend more time enjoying the islands and less time worrying about maintenance. Tucked away in the laid-back surroundings of Big Pine Key, yet conveniently located between Key West and Marathon, this is an ideal full-time residence, weekend getaway or Florida Keys retreat. Newer construction. Waterfront living. Your Keys lifestyle starts here.

30851 Baileys Ln, Big Pine
29313 Coconut Palm Dr, Big Pine
$639,000
2 Beds ⋅ 2 Baths ⋅ 621113 MLS
Great home, great location, and great price! Conveniently located in the sought-after Eden Pines neighborhood of Big Pine Key, this well-appointed home is just minutes from the community boat ramp, shopping, and restaurants. Designed for peace of mind and lasting value, the home features impact windows and doors, a durable metal roof, plantation shutters, and a low flood insurance rate. Step inside from the peaceful pergola setting and discover a bright, inviting home highlighted by a newly renovated kitchen. Sliding glass doors open to a spacious screened porch, creating the perfect indoor-outdoor living space to relax and enjoy the Keys lifestyle. With plenty of room for your boat, trailer, and water toys, you can enjoy easy access to everything the Keys waters have to offer--without the waterfront price tag. Adding to the appeal, this fenced property backs up to the Wildlife Refuge, ensuring no future development directly behind the home and providing a rare sense of privacy, tranquility, and connection to nature. Whether you're looking for a full-time residence or the perfect Keys getaway, 29313 Coconut Palm Drive offers convenience, value, and the laid-back lifestyle that makes the Florida Keys so special.

29313 Coconut Palm Dr, Big Pine
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