Sugarloaf Key Homes with FHA Finance Terms

Sugarloaf Key Homes with FHA Finance Terms

Welcome to Sugarloaf Key, a hidden gem nestled in the heart of the Florida Keys, located in Monroe County. This picturesque island is renowned for its stunning natural beauty, offering a unique blend of lush landscapes, tranquil waters, and a vibrant community spirit. With its proximity to the sparkling Atlantic Ocean, Sugarloaf Key serves as a perfect retreat for those seeking a slice of paradise, whether for a permanent residence or a vacation getaway.

Sugarloaf Key boasts a variety of homes that cater to diverse lifestyles, and many of these properties are available with FHA finance terms. This means that potential homeowners can enjoy the benefits of lower down payments and more flexible credit requirements, making it easier to achieve the dream of owning a home in this idyllic locale. From charming waterfront cottages to modern single-family homes, the real estate options here are as diverse as the community itself.

Beyond the beautiful homes, Sugarloaf Key offers an array of outdoor activities, including fishing, boating, and snorkeling in the nearby coral reefs. The island is also home to a variety of local eateries and shops, ensuring that residents can enjoy the laid-back island lifestyle without venturing too far from home.

Whether you’re looking to invest in a vacation property or settle down in a serene environment, Sugarloaf Key provides the perfect backdrop for a fulfilling life. With FHA financing options available, now is the perfect time to explore the opportunities that await you in this enchanting island paradise. Come and discover your dream home in Sugarloaf Key!

Newest Sugarloaf Key Homes with FHA Finance Terms

19590 Tequesta St, Sugarloaf
$739,000
3 Beds ⋅ 2 Baths ⋅ 621432 MLS
Located in the quiet Indian Mounds neighborhood of Upper Sugarloaf Key, this elevated 3 bedroom, 2 bath home offers 1,296 square feet of comfortable living space. Impact-resistant windows and doors rated for winds up to 180 mph provide enhanced storm protection and valuable insurance savings. The open concept interior features crown molding and wood look tile plank flooring throughout. The kitchen is equipped with solid wood cabinetry and stainless steel appliances. The well-designed floor plan includes a large primary suite with an en suite bathroom and walk-in closet, two guest bedrooms, a second full bathroom, and a full-size laundry room. Outside, the home features low-maintenance Hardie Board siding, a durable metal roof, and a spacious covered porch located just off the kitchen. The yard is fenced on three sides, and the back porch overlooks mature tropical trees with no rear neighbors, providing a lush, natural backdrop. Boaters and anglers will appreciate the convenient location near multiple boat ramps, including access to a private community ramp, offering quick access to open water. The home is also minutes from the Upper Sugarloaf Key nature preserve and Sugarloaf Elementary and Middle School. Whether you are searching for a primary residence, Florida Keys retreat, or investment property, this move-in-ready home offers comfort and convenient access to the outdoor lifestyle of the Lower Keys.

19590 Tequesta St, Sugarloaf
17286 Jamaica Ln, Sugarloaf
$1,200,000
2 Beds ⋅ 2 Baths ⋅ 619901 MLS
Just a short boat ride to popular Lower Keys sandbars, coral heads, and fishing grounds, this Sugarloaf Shores canal-front home is made for the buyer who wants boating, fishing, and the easygoing Keys lifestyle right at their doorstep. Set on a quiet street just 15 minutes from Key West, this sturdy concrete 2 bedroom, 2 bath home offers southern exposure overlooking the canal, quick access to open water, and inviting outdoor spaces designed for relaxing after a day on the water. Spend mornings on the screened porch, enjoy afternoon breezes from the private balcony off the primary bedroom, and make the most of a waterfront setting that brings the best of island living together in one place. Inside, the home features an open floor plan with tile floors, high ceilings, a bright living and dining area, and a kitchen with a breakfast bar. The main bedroom includes a walk-in closet and direct balcony access, creating a private spot to enjoy the tropical surroundings. Outside, boaters and water lovers will appreciate the approximately 40-foot dock, dedicated skiff launch/ramp, canal frontage, and quick route to open water. The dock and waterfront setup provide a convenient place to keep a boat, launch a skiff, or head out for a day on the water with ease. The property also offers a garage and carport area, giving plenty of room for parking, storage, and Keys gear. Located in Sugarloaf Shores, this home offers peaceful island living with convenient access to dining, entertainment, and world-class recreation in nearby Key West.

17286 Jamaica Ln, Sugarloaf
123 Venetian Way, Sugarloaf
$950,000
3 Beds ⋅ 2 Baths ⋅ 619875 MLS
On a quiet dead-end street in the highly sought-after Sugarloaf Shores community, sits this fully renovated tropical retreat thats reminiscent of something straight out of a secret garden. Set on an oversized, gated and partially fenced parcel spanning over a quarter acre, this rare non-waterfront property offers the kind of lush green space that's nearly impossible to find in the Florida Keys. Towering old-growth foliage, vibrant established plantings, fresh new landscaping, and newly laid sod create a private, enchanted oasis where every corner invites you to slow down and stay awhile. Built in 1981 of solid concrete block construction and elevated on slab, this beautifully reimagined 3-bedroom, 2-bathroom home offers 1,548 square feet of airy, light-filled living space with bright neutral finishes and thoughtful details throughout. Every inch has been meticulously renovated, blending modern comfort with effortless island charm. Designed to embrace indoor-outdoor living, the property features multiple lanais and entertaining spaces perfect for morning coffee beneath the palms, sunset dinners with friends, or quiet afternoons surrounded by tropical serenity. The expansive lot offers endless opportunity for future enhancements -- envision a resort-style pool and tiki hut, a greenhouse, outdoor kitchen, play space for the kids, or all of the above. There's room here to truly create your dream Keys compound. Downstairs, nearly 400 additional square feet of enclosed storage and utility space adds incredible flexibility, while the paved 3-car carport with lighting and built-in workspace could easily be transformed into the ultimate outdoor entertaining kitchen or hobby space. Beloved Sugarloaf Shores provides peaceful island living with a scenic miles-long paved path, a laid-back Lower Keys atmosphere, and sought-after school district -- all just 15 minutes from exciting Key West. Rare Keys privacy, greenery, and possibility you may never want to leave.

123 Venetian Way, Sugarloaf
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