Little Torch Key Homes with Conventional Finance Terms

Little Torch Key Homes with Conventional Finance Terms

Welcome to Little Torch Key, a hidden gem nestled in the heart of the Florida Keys, specifically within Monroe County. This enchanting island is renowned for its laid-back atmosphere, stunning natural beauty, and vibrant marine life, making it an ideal haven for those seeking tranquility and adventure alike.

Little Torch Key offers a unique blend of picturesque landscapes and a welcoming community. With its crystal-clear waters and lush tropical surroundings, residents enjoy a lifestyle that embraces outdoor activities such as boating, fishing, and snorkeling. The island’s proximity to the famous Looe Key National Marine Sanctuary provides an unparalleled opportunity for diving enthusiasts to explore vibrant coral reefs and diverse marine ecosystems.

Real estate options on Little Torch Key are as diverse as the island itself. Whether you’re looking for a charming waterfront cottage, a modern family home, or a cozy retreat, you’ll find properties that cater to various tastes and budgets. One of the standout features of homes in this area is that they are often available with conventional financing terms, making it easier for buyers to secure their dream home in paradise.

With a nurturing community spirit and an abundance of recreational activities, Little Torch Key is not just a place to live; it's a lifestyle. Imagine waking up to breathtaking sunrises, enjoying leisurely afternoons by the water, and ending your day with stunning sunsets. If you’re ready to embrace the island life, Little Torch Key awaits you with open arms. Come discover your piece of paradise today!

Newest Little Torch Key Homes with Conventional Finance Terms

569 Pirates Rd, Little Torch
$1,150,000
3 Beds ⋅ 2 Baths ⋅ 621484 MLS
Searching for your piece of Keys paradise? Here it is! This tropical gem offers island living inside and out, excellent oceanside boating, sunset views over protected wetlands and inviting deck and Tiki! 3Bd/2Ba home features quartz counters, tile floors throughout impact-resistant windows & doors, metal roof, paver drive, and two storage enclosures below. 50 ft wide flow through canal and 15,000 lb boat lift.

569 Pirates Rd, Little Torch
400 La Fitte Rd, Little Torch
$939,000
2 Beds ⋅ 2 Baths ⋅ 621295 MLS
Your Florida Keys Retirement Retreat--and Investment Opportunity--Minutes from Key West Imagine waking up in the Florida Keys, stepping outside to your boat, and knowing the ocean is just moments away. Welcome to 400 La Fitte Road, a furnished canal-front home in Little Torch Key's desirable Jolly Roger Estates, ideally located on the oceanside at Mile Marker 28.5. Positioned on a spacious corner lot, this approximately 1,080-square-foot home offers two bedrooms, two bathrooms, durable CBS construction, tile flooring, accordion shutters, and a 40-foot concrete dock. Covered parking, garage and storage space, plus room for an RV or boat trailer, make it especially well suited for the relaxed Keys lifestyle. Boaters will appreciate the convenient ocean access, approximately three feet of reported control depth, and the neighborhood's community boat ramp. Why it stands out for retirement or investment: Offered furnished for an easier transition 28-day minimum rentals offering potential monthly income Quieter residential atmosphere without frequent weekly guest turnover Municipal sewer and FKAA water Spacious corner lot with room for recreational vehicles Close to Big Pine Key's shopping, dining, services, and National Key Deer Refuge Approximately 26-27 miles from Key West International Airport--normally about a 38-minute drive, depending on traffic Whether you envision a peaceful retirement retreat, a Florida Keys getaway, or an income-producing investment near Key West, this property offers the flexibility to enjoy it now while keeping future possibilities open. Come furnished. Bring the boat. Start living the Keys lifestyle.

400 La Fitte Rd, Little Torch
27772 Astrangia Ave, Little Torch
$675,000
2 Beds ⋅ 2 Baths ⋅ 621279 MLS
Bring your boat and start enjoying the waterfront lifestyle from this beautifully remodeled 2-bedroom, 2-bath canal-front home in the Lower Keys. Ideally positioned near open water, the property offers approximately 46 feet of concrete seawall along a wide canal with convenient boating access to both the Atlantic and backcountry. Fishing, diving, kayaking, and days on the water are right outside your door, with the State Road 4A boat ramp just a few doors away. Inside, the home offers approximately 1,012 sq. ft. of living space, plus an additional 184 sq. ft. enclosed porch overlooking the canal. The bright, open floor plan is filled with natural light and features an updated kitchen, beautifully remodeled bathrooms, split units and comfortable bonus space for relaxing or entertaining. Outside, enjoy the tropical landscaping, privacy fencing, multiple sitting areas, a private concrete step-down dock, two storage sheds for all your fishing and boating gear, and plenty of parking. Additional features include a metal roof and sewer connection. This home has been lovingly maintained and is ready for its next owner to enjoy. Whether you're looking for a full-time Keys residence, weekend escape, or waterfront investment, this property offers the boating access, outdoor space, and relaxed lifestyle people come to the Florida Keys to find. Come see it, imagine yourself here, and make an offer. Your piece of the Florida Keys may be closer than you think.

27772 Astrangia Ave, Little Torch
28441 Meyer Ave, Little Torch
$745,000
2 Beds ⋅ 2 Baths ⋅ 621174 MLS
This canal-front home offers the perfect blend of comfort, convenience, and the laid-back Florida Keys lifestyle. Located on a corner lot and built with durable CBS construction. This home features a spacious open floor plan, exceptional outdoor living, and direct boating access to Pine Channel. The outdoor amenities are truly a boater's dream. A brand-new 60-foot dock with boat slip, 17,000-lb. boat lift, and fish cleaning station provides everything you need to enjoy life on the water. The canal is ideal for an afternoon swim or snorkel, and you can watch parrotfish, snappers, and other marine life right from your dock. The Atlantic Ocean is only a two-minute boat ride away, offering quick access to world-class boating and fishing. Back at home, the large chickee hut creates the perfect setting for relaxing, entertaining, and enjoying outdoor BBQs. With the expansive dock and waterfront setting, the indoor/outdoor lifestyle this property offers is hard to beat. Inside, the spacious open floor plan is designed for entertaining and everyday living. Wood-plank ceilings and tile flooring run throughout the home, creating a warm and inviting Keys-inspired feel. The bathrooms have been updated with tile work throughout. For added storm protection and peace of mind, the home features CBS construction, a metal roof, and accordion shutters. Centrally located on Little Torch Key, this property is approximately 28 miles from Key West and 20 miles from Marathon. Just around the corner, Kiki's Sandbar offers food, drinks, and waterfront dining, while a grocery store and public boat ramp are only about five minutes away. Whether you're looking for a full-time residence, vacation getaway, or the perfect home base for enjoying the water, this property delivers the best of Florida Keys living. Call today to schedule your private showing! **Professional Photos Coming Mid September once tenant leaves**

28441 Meyer Ave, Little Torch
711 State Road Unit 4A, Little Torch
$630,000
3 Beds ⋅ 2 Baths ⋅ 620463 MLS
A Classic Keys Boating Cottage! Exceptional value for a 3 bedroom 2 bath waterfront home in the Lower Keys! With 60' of seawall, enjoy easy boating access to nearby hot spots in the gulf and ocean side. The State Road 4a boat ramp is just a few doors away which is so convenient to launch your boat. Plenty of parking out front and room for a pool. Featuring laminate floors, a dedicated laundry space, on demand hot water heater and a large pantry storage closet.

711 State Road Unit 4A, Little Torch
28110 Dorothy Ave, Little Torch
$715,000
3 Beds ⋅ 2 Baths ⋅ 620144 MLS
Island living comes easy here, with a free community boat ramp, nearby waterfront basin, and natural Lower Keys scenery all close to home. Set on a large 7,814 sq. ft. corner lot along State Road 4A in Ladies Acre, this 3 bedroom, 2 bath property offers 1,431 sq. ft. of comfortable living space surrounded by mature tropical greenery that adds privacy and natural beauty. Inside, the open living, dining, and kitchen layout feels bright and welcoming, with granite countertops, abundant wood cabinetry, and plenty of natural light throughout. The primary bedroom features an en suite bath and walk-in closet, adding comfort and functionality to the floor plan. The home also includes impact windows and doors, a metal roof, and a full concrete slab underneath, offering covered parking, storage, and usable space below. Nearby community features are within walking distance, including a walking trail to a peaceful waterfront basin, perfect for sunset views, dog walks, birdwatching, and enjoying the natural beauty of the Lower Keys. Conveniently located in Little Torch Key, this property offers easy access to local restaurants, shopping, Big Pine Key amenities, and a simple drive to both Key West and Marathon.

28110 Dorothy Ave, Little Torch
27965 Tarpon Ter, Little Torch
$337,500
2 Beds ⋅ 1 Baths ⋅ 620117 MLS
Great investment opportunity in Little Torch Key! This well-maintained home sits on a clean, clear swimming canal with direct access for paddle boarding, kayaking, and fishing right from your backyard. A boat ramp is less than a mile away, making it perfect for boating and fishing enthusiasts. The property features a large fenced lot with plenty of parking, trailer storage, and a storage shed. Inside you will find a bright and comfortable living area, two bedrooms, a guest bathroom, and a washer and dryer. Located in a quiet neighborhood just minutes from grocery stores and restaurants. This one won't last so call today to schedule a showing!

27965 Tarpon Ter, Little Torch
257 La Fitte Rd, Little Torch
$1,250,000
2 Beds ⋅ 2 Baths ⋅ 619868 MLS
Location, location, location. This home has stunning sunrise and ocean views from this one- of-a kind Open Water property. Picture perfect views from theFrench Doors off of the living room leading onto a sprawling deck overlooking the turquoise water. This home has a pool and is a spacious 2 Bedroom 1.5 Bath with a loft. Dock with 7,000lb. boat lift and storage enclosure.

257 La Fitte Rd, Little Torch
662 Blackbeard Rd, Little Torch
$2,100,000
5 Beds ⋅ 4 Baths ⋅ 619117 MLS
Pre-Construction Luxury Home | Jolly Roger Estates Introducing a rare pre-construction opportunity in the desirable waterfront community of Jolly Roger Estates. This CBS-built, fortress-like home is designed for durability, efficiency, and modern coastal living. The two-story floor plan offers 5 bedrooms, 4 bathrooms, and 2,886 square feet of living space, along with a spacious downstairs storage area--perfect for all your boating and outdoor gear. The property will feature a 10' x 23' swimming pool with an integrated jacuzzi, outdoor kitchen, and a TPO roof with a rooftop observation deck, ideal for taking in open water views, sunsets, and the surrounding Keys landscape. For boating enthusiasts, this home checks every box. The property will feature a 60' x 8' composite dock equipped with a 10,000-pound boat lift, set along deep, clear, flow-through canals with approximately 4 feet of draft-providing excellent accommodation for larger vessels and quick, easy ocean access with no bridges. Built with sustainability in mind, this Green Build Certified home includes features such as solar panels and a 1,000 gallon cistern, offering long-term value and reduced environmental impact. Conveniently located less than 5 minutes from restaurants, grocery stores, and shopping, and just 30 minutes from Key West, this property delivers the perfect balance of privacy, accessibility, and upscale waterfront living.

662 Blackbeard Rd, Little Torch
28452 Yucatan Ln, Little Torch
$750,000
2 Beds ⋅ 2 Baths ⋅ 618992 MLS
Must be sold after Jan 1, 2027. Canal front home with quick exit out of the canal to Pine Channel for Atlantic or Gulf access. 7200 sq.ft. lot. Back yard big enough for a pool. Pack your toothbrush and your ready for your salt life to begin. Being sold mostly furnished 2bd/2bth 1162 sq.ft. Home, plus, southerly facing screen porch, which has accordian shutters,porch faces back yard and canal. Room for a pool. Nice & Neat. Ready to rent or to come and enjoy. Front yard big enough for RV parking, 50 Amp service. '2018' 5V Metal Crimp roof with underlayment & Central A/C, which has heat. Range, Dishwasher, Fridge, Stackable washer/dryer, next to hall bath. Both bathrooms have tubs. Accordian shutters upstairs. Concrete slab under house. Connected to central sewer by grinder pump system and electric. No open or expired permits. No open code violations. 1997 Survey and elevation certificate. AE 8 flood zone, tier 3. Privacy fence on 2 sides, allowed to put fence around front too. Improved subdivision zoning. 20 ft wood dock plus an extra piling you can park up to a 30 ft. Boat ramp on SR 4A. 10 miles to State Park Bahia Honda. 3 miles to Grocery (Shopping Center), 28 miles to Key West, 21 miles to marathon 2.5 hrs. to Miami International airport. Easy to show. Full price offers only.

28452 Yucatan Ln, Little Torch
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