Big Torch Key Homes with FHA Finance Terms

Welcome to Big Torch Key, a hidden gem nestled in the heart of the Florida Keys, within Monroe County. This picturesque island boasts a unique blend of natural beauty, tranquility, and vibrant community spirit, making it an ideal destination for those seeking a serene coastal lifestyle. With its stunning waterfront views, lush tropical landscapes, and diverse wildlife, Big Torch Key is a paradise for nature lovers and outdoor enthusiasts alike.

The charm of Big Torch Key lies not only in its breathtaking surroundings but also in its welcoming community. Residents enjoy a relaxed pace of life, with opportunities for fishing, kayaking, and exploring the nearby mangroves. The island is also conveniently located near the famous Florida Keys attractions, including the vibrant nightlife and dining options of Key West, just a short drive away.

For potential homeowners, Big Torch Key offers a range of beautiful properties, many of which are accessible through FHA finance terms. This means that first-time buyers and those looking to invest in a second home can take advantage of flexible financing options, making it easier than ever to own a piece of this tropical paradise. With FHA financing, you can secure a home with a lower down payment and more lenient credit requirements, making your dream of living in Big Torch Key a reality.

Whether you’re looking for a cozy waterfront cottage or a spacious family home, Big Torch Key has something for everyone. Embrace the laid-back island lifestyle and make your move to this enchanting corner of Florida today!

Newest Big Torch Key Homes with FHA Finance Terms

$4,300,000

2 Beds ⋅ 2 Baths ⋅ 621317 MLS

There are very few places left in the Florida Keys where you can experience true waterfront privacy, EXPANSIVE acreage, protected dockage, open-water views, and direct boating access all from a single property. Blue Fish Point is one of those rare places. Set on an extraordinary 2.84-acre point lot on Big Torch Key, this represents a unique opportunity to own one of the Lower Keys' most remarkable private waterfront estates. Encompassing more than 1,000 feet of shoreline and surrounded by water on multiple sides, the property offers an unmatched combination of seclusion, natural beauty, boating convenience, and future potential. For serious boaters, anglers, and those seeking a private waterfront retreat, Blue Fish Point delivers an exceptionally rare combination of features. The estate offers protected canal frontage, deep-water dockage, a private boat launch, open-water shoreline, spectacular sunset views, and direct access to both the Atlantic Ocean and Gulf of Mexico (America) through nearby Niles Channel. Whether your interests include offshore sportfishing, backcountry adventures, sunset cruising, diving, lobstering, or simply enjoying life on the water, this property places it all at your doorstep. What makes Blue Fish Point truly exceptional is that it combines the best of both worlds: an updated waterfront residence ready to enjoy today, and an extraordinary amount of land and waterfront that provides unlimited possibilities for expansion tomorrow. The bay bottom is included with the property adding to its rarity. The existing remodeled residence (by D'Asign Source) offers an open-concept design, with a gourmet kitchen and large remodeled bathrooms. Ample storage with new appliances and two laundries. Expansive cleared land provides an exceptional canvas for expansion, a custom waterfront estate, guest accommodations, or a private family compound. Architectural plans are available. A must see property to appreciate-28 miles from Key West See all the features in the Documents Tab called 4670 Dorn Road Supplement.

4670 Dorn Rd, Big Torch

$1,899,000

2 Beds ⋅ 2 Baths ⋅ 620940 MLS

Tucked away on Big Torch Key, this CBS-constructed waterfront home offers a quiet, private setting with beautiful open-water views and remarkable year-round sunsets. Surrounded by the natural beauty of the Lower Keys, Key deer are often seen nearby, while backcountry boating and flats fishing are just minutes away. Boaters will appreciate convenient access to both Gulf and Atlantic waters. Inside, the kitchen, dining and living areas open toward the water, with large glass doors framing the views and leading to the expansive wraparound porch. The kitchen offers ample cabinetry, counter space and bar seating, while the open layout keeps the water and sunsets in view throughout the main living space. The primary suite feels like its own private wing, set beyond a dedicated library with a walk-in closet, ensuite bath and direct porch access. The guest bedroom also opens to the porch, giving both bedrooms a connection to the outdoors. The waterfront is where the lifestyle truly comes together. A private dock extends into the water and opens to a spacious seating area with a built-in angler's table, ideal for fishing, cleaning the day's catch, launching kayaks or paddleboards, snorkeling or watching the sunset. Lobster and fish can be found around the dock, while nearby waters offer exceptional boating and flats fishing, along with access to Looe Key, a popular Florida Keys destination for snorkeling and scuba diving, known for its coral reef and abundant marine life. Waterfront restaurants are close by, along with a shopping center offering a grocery store, gym, library and additional shops. With 155 feet of waterfront, the property also offers the possibility of constructing an additional waterfront guest house.

3256 Catherine St, Big Torch

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