Little Torch Key Homes with FHA Finance Terms

Little Torch Key Homes with FHA Finance Terms

Welcome to Little Torch Key, a hidden gem nestled in the heart of the Florida Keys! This enchanting island, located in Monroe County, offers a unique blend of tropical beauty and laid-back island living. With its crystal-clear waters, vibrant marine life, and stunning sunsets, Little Torch Key is the perfect destination for those seeking a serene escape from the hustle and bustle of everyday life.

The island is renowned for its picturesque landscapes and friendly community, making it an ideal place to call home. Whether you’re looking for a cozy waterfront cottage or a spacious family home, Little Torch Key offers a diverse range of properties that cater to various lifestyles and budgets. Many of these homes are available with FHA financing options, making the dream of homeownership more accessible than ever. With lower down payment requirements and flexible credit guidelines, FHA loans can help you secure your slice of paradise in this idyllic location.

Imagine waking up each day to the soothing sounds of the ocean and the gentle rustle of palm trees swaying in the breeze. Enjoy outdoor activities such as boating, fishing, and snorkeling, or simply relax on your private deck while taking in the breathtaking views. The island’s close-knit community hosts various events and activities, ensuring there’s always something to do and new friends to meet.

Don’t miss your opportunity to experience the charm of Little Torch Key. Explore the available homes today and start your journey toward living the island dream!

Newest Little Torch Key Homes with FHA 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
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
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
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