Islamorada Homes with FHA Finance Terms

Islamorada Homes with FHA Finance Terms

**Discover the Allure of Islamorada, Florida: Your Dream Home Awaits!**

Nestled in the heart of the Florida Keys, Islamorada is a tropical paradise that offers a unique blend of breathtaking natural beauty and vibrant island culture. Known as the "Village of Islands," this enchanting destination is located in Monroe County and boasts stunning waterfront views, crystal-clear waters, and an array of outdoor activities. Whether you're an avid fisherman, a water sports enthusiast, or simply seeking a serene escape, Islamorada has something for everyone.

The charm of Islamorada is not just in its picturesque scenery but also in its welcoming community. With a rich history and a laid-back atmosphere, residents enjoy a lifestyle that embraces both adventure and relaxation. From world-class fishing and diving to exquisite dining and art galleries, the village offers an abundance of experiences that make it a perfect place to call home.

For those looking to invest in this idyllic locale, homes with FHA financing options are available, making it easier than ever to secure your piece of paradise. FHA loans are designed to assist first-time homebuyers and those with lower credit scores, providing flexible financing terms that can help you navigate the home-buying process with ease.

Imagine waking up to the gentle sound of waves lapping against the shore, with the promise of a sun-soaked day ahead. In Islamorada, your dream home is not just a possibility; it’s a reality waiting to unfold. Embrace the lifestyle you’ve always desired and explore the exceptional real estate opportunities that this charming village has to offer. Your slice of paradise is just a call away!

Newest Islamorada Homes with FHA Finance Terms

$2,250,000
3 Beds ⋅ 3 Baths ⋅ 621121 MLS
Welcome to your private island home retreat, The Belle House. Highlighted on the Netflix series Bloodline as the home of Kevin & Belle Rayburn. Set on an expansive half-acre double lot enveloped by lush, tropical native plantings, this beautifully updated home offers a rare combination of privacy, tranquility, & effortless Keys living. This home offers room to breathe, unwind & genuinely enjoy your surroundings. Mature landscaping creates a secluded, garden-like setting that feels more like a private resort than a traditional residential property. Featured on the Upper Keys 40th Anniversary Garden Walk, this concrete home with metal roof, Anderson impact windows & doors throughout, & lovely, relaxing wraparound porch is situated in an X flood zone. The neighborhood boasts one of Islamorada's nicest homeowners' parks offering a boat ramp, temporary dockage, a beach & wade in swimming area. Depart from your driveway, launch your boat, & be in Florida Bay in under 10 minutes! Located walking distance to Islamorada's Founder's Park. The interior provides casual, timeless elegance with vaulted ceilings & hand sculpted walnut flooring. The main level consists of free-flowing living & dining, chef's kitchen featuring Wolf, Sub Zero & Meile appliances with honed granite countertops, large pantry/laundry area, very spacious primary suite, as well as guest bedroom, bath and under stair storage. The second level provides privacy for your guests or older children, offering a second guest bedroom and bath as well as a sitting room with mini fridge and breakfast bar. This area could easily transition into a 4th bedroom. There is a detached, all concrete garage on the second lot w/ ample space for parking a flats boat and RV ready with 30-amp service. Two driveways provide plenty of parking for multiple vehicles. This unique home is move in ready. It has been beautifully maintained and cared for and is ready for you and your family to make new memories on Palm Lane!

130 Palm Ln, Islamorada
$2,500,000
3 Beds ⋅ 3 Baths ⋅ 621119 MLS
OCEAN ACCESS WATERFRONT OPPORTUNITY IN VENETIAN SHORES! Immaculate 2-story CBS concrete home offering the ultimate Florida Keys lifestyle! Situated on a 100' wide deep-water canal with NO FIXED BRIDGES and direct access to both the Atlantic Ocean and Florida Bay via Snake Creek, this is a boater's dream. Minutes to open water with a private dock featuring power and davits, perfect for large boats. This spacious home features 3 bedrooms, 2.5 baths with a flexible floor plan. The first floor offers 2 bedrooms, 1 full bath, family room, and bar area, while the second floor features the primary suite, oversized kitchen, dining room, laundry room, and half bath to maximize the spectacular waterfront views. Enjoy breathtaking sunsets and tropical breezes from the expansive wraparound covered porch. Additional features include beautiful hardwood floors, an oversized kitchen ideal for entertaining, brand-new saltwater pool (2026), three large exterior storage rooms, circular driveway, and fresh exterior paint (2025). Lovingly maintained and in immaculate condition, this home is ready for your personal updates to create the ultimate Keys retreat. Located in the highly desirable Venetian Shores community, known for its deep, wide canals, outstanding boating access, and optional homeowners association. Whether you're looking for a full-time residence, weekend getaway, or luxury waterfront escape, this is a rare opportunity to own in one of Islamorada's premier boating communities.

107 Valencia Dr, Islamorada
$999,999
3 Beds ⋅ 3 Baths ⋅ 621101 MLS
This waterfront home offers 36 feet of dockage and a beautifully renovated interior designed for effortless Keys living. Thoughtfully updated and tastefully decorated, the home is move-in ready and ideal for full time living or weekend getaway. The layout is exceptionally well-suited for hosting and entertaining, with two bedrooms and two bathrooms on the main living level, and a large separate guest suite and bonus area on the lower level providing privacy and flexibility. Enjoy peaceful views from the screened-in porch, perfectly positioned to capture a straight, open view down the canal, while the spacious backyard offers plenty of room to relax, entertain, and a blank canvas to further enhance your outdoor living experience to your liking. Boaters will appreciate quick access to the ocean, with a beautiful sandbar/beach nearby, perfect for anchoring up for a day of sun, as well as convenient routes to the bay via Channel 2 or Channel 5 bridges. Additional features include a rare garage space, ideal for storing a golf cart, jet skis, and gear while keeping everything protected from the elements.Located on Lower Matecumbe Key, this property provides a walkable Keys lifestyle. Stroll down to the fishing pier to catch dinner and take in a sunset view or hop in the golf cart and ride down to the locals favorite, Habanos restaurant and their new tapas bar right on the ocean for dining and drinks. This is a must-see waterfront opportunity combining comfort, functionality, and the best of island living.

100 Iroquois Dr Unit Unit 5, Islamorada
$795,000
2 Beds ⋅ 3 Baths ⋅ 620945 MLS
Island Opportunity is knocking! Enjoy your own Islamorada vacation home...with the option to generate excellent rental income when you're not using it. Set in a private, peaceful oceanfront community of just 10 townhomes, you'll have a beach, pool and your own slip for boat up to 30'. Spend the day on the water, relax by the pool or head up to the rooftop deck for ocean breezes & a peekaboo water view. There are four balconies - so you can enjoy some shade at any time of day. Although this seller never rented, the home is eligible for a coveted weekly rental license, giving a new owner the flexibility to enjoy it personally while also taking advantage of the strong Keys vacation rental market. The 2 bedroom, 2.5 bath townhome has a comfortable layout, with a private bath for each bedroom, a half bath on the main living level, and *straight interior* stairs rather than a spiral staircase. It's also refreshingly low maintenance, with concrete construction, a concrete roof, impact windows and doors, and an HOA that takes care of the grounds. Because this is a townhome rather than a condo, owners choose how much insurance to carry, and current insurance costs are surprisingly low. It's even in an X flood zone, so no flood insurance is required. Covered parking and an entry from underneath the home are two more practical touches that make coming and going easy, rain or shine. Trailer/boat storage is allowed under the home. The location works just as well by water as it does by land, with fantastic fishing and diving just steps from home and a great Old Highway location close to Founders Park, restaurants and everything you come to Islamorada to enjoy. Breezy and relaxed when you're here, with the ability to generate income when you're not. It's a rare and excellent combination.. good for your heart and your wallet.

136 Aregood Ln, Islamorada
$1,199,000
3 Beds ⋅ 3 Baths ⋅ 619848 MLS
Experience all that Islamorada has to offer from this stunning home that was constructed in 2020. This two-story residence offers 3 spacious bedrooms and 2 full bathrooms on the ground floor. The second floor has a large great room - ideal for a home office, second living room, playroom, or media space--adding extra versatility to the layout. Additionally, there is another full bathroom upstairs. Step into an open-concept main living area with numerous windows to let in the natural light. Easy to clean tile throughout. The heart of the home is a modern kitchen featuring a large island, custom cabinetry, and premium finishes--perfect for entertaining and everyday living. The spacious side and backyard provide ample space for trailers, boats, or a future pool, making it perfect for outdoor enthusiasts. Speaking of pool, there is a current, valid pool permit that has been issued for the property and can be transferred to the next owner. This home is located just minutes from the ocean, marinas, shopping, and dining. It is zoned for highly rated Coral Shores High School. This home offers the rare opportunity to own an almost new, move-in-ready property in the Upper Keys. Don't wait--schedule your private showing today and make this modern island retreat your forever home!

143 N Hammock Rd, Islamorada
$550,000
2 Beds ⋅ 2 Baths ⋅ 619711 MLS
Welcome to Sand Pebbles -- Islamorada's Hidden Gem. Located in the heart of the Village of Islamorada, this spacious 2-bedroom, 2-bathroom condo at the boutique community of Sand Pebbles offers the quintessential Florida Keys lifestyle you've been dreaming of. With only 16 units, Sand Pebbles delivers an intimate, low-key atmosphere that larger communities simply can't match, your own private slice of island paradise. Step inside and discover a bright, airy layout designed for both relaxed living and effortless entertaining. The open-concept floor plan flows naturally, with two generously sized bedrooms and two full baths offering the perfect retreat after a day on the water. Community amenities that elevate everyday life: heated resort-style pool, tiki hut, garden areas, a bayfront observation pier, and on-site trailer storage. Boaters will enjoy easy access to the nearby Safe Harbor Angler House Marina for all of their boating needs. Located just moments from world-class sportfishing, diving, dining, and the eclectic local shops that make Islamorada truly special, Sand Pebbles places you at the center of it all while maintaining the peaceful, uncrowded feel.

80450 Overseas Highway Unit 204, Islamorada
$6,999,000
8 Beds ⋅ 6 Baths ⋅ 619673 MLS
Spectacular Bayfront Estate with Guesthouse in the Heart of Islamorada. & 7 Day Rental Potential, Seller Financing Available. Experience luxury coastal living at its finest in this exceptional Gated bayfront estate, ideally situated in the heart of Islamorada. Set on a rare peninsula with over 225 feet of prime waterfront, this property offers unmatched privacy, panoramic views, and direct access to both the Florida Bay and Atlantic Ocean. The main residence features 7 spacious bedrooms and 5 beautifully appointed bathrooms designed with both elegance and comfort in mind--perfect for entertaining or hosting large gatherings. A dramatic third-floor Birds Nest Sky Lounge features 360-degree glass walls and a walkout rooftop deck, capturing breathtaking vistas in every direction. Expansive living areas and thoughtfully designed spaces capture stunning water views from every angle. A Whole House Generator for peace of mind. A private 1-bedroom, 1-bathroom guesthouse provides the ideal retreat for visitors, accommodating extended family, or potential rental income or creating a secluded retreat. For boating enthusiasts, the estate includes an impressive 85+ foot deep-water yacht slip and four boat lifts, offering seamless access to both the Bay and Ocean--an unparalleled fishing advantage in the Florida Keys. Step outside to your own waterfront oasis, where a gorgeous heated bayfront pool invites relaxation while you take in breathtaking sunset views and the tranquil surroundings. Blending luxury, comfort, and premier waterfront access, this remarkable estate presents a rare mixed-use opportunity in one of Islamorada's most coveted locations. Seller will consider all reasonable offers.

1101 Mastic St, Islamorada
$775,000
2 Beds ⋅ 2 Baths ⋅ 618895 MLS
The first thing you notice as you walk up to this home is the view, bright blue ocean over green treetops. Step inside and it opens up even more: ocean, sky, and a wide lagoon with a sandy beach below. Sunset here is stunning. This very spacious 2 bedroom, 2 bath end-unit condo offers 1,330 square feet of single-level living with windows on three sides! Located on the second floor, above covered parking, it's that just-right height that makes all the difference. High enough for the views and breezes, without feeling disconnected. Access is easy by elevator or stairs. The oversized screened porch takes full advantage of the ocean and lagoon views and truly extends your living space. Inside, the home has been thoughtfully upgraded for both style and peace of mind. Gorgeous wood-plank tile flows seamlessly throughout the entire condo, including the expansive screened porch, creating a clean coastal look with easy maintenance. The bright kitchen features quartz countertops and stainless appliances - fresh, modern, and functional. Bathrooms have been tastefully updated, the electrical system has been upgraded, and hurricane impact windows and doors provide security and efficiency. Patio surrounded by smoothly operating accordion shutters. A tankless hot water heater adds to the home's smart improvements. You'll also appreciate the recently expanded storage closets and pantry space - something you don't always find in condo living. The community is shady, green, and peaceful. Amenities include a full-service marina (yes, even fuel) with long-term dockage available, waterfront pool, clubhouse, tennis and pickleball courts - soon to be lit for night play. Pets are welcome here. Coral Harbour Club is just five minutes from Founders Park, with its bay front beach, sports programs, dog park, and year-round community events. An updated, move-in ready condo with real ocean views, boating access, and one of the best locations in the Upper Keys. This one is worth seeing in person!

88181 Old Hwy Unit F24, Islamorada
$15,950,000
6 Beds ⋅ 8 Baths ⋅ 618816 MLS
BAYSIDE, DEEP WATER, BREATHTAKING GULF VIEWS Welcome to one of Islamorada's premier rare bayside estate properties - a remarkable parcel that stretches from Overseas Highway all the way to the Bay. The home bestows privacy, unobstructed Gulf Views, and a deep-water basin for calm dockage cable of accommodating substantial vessels with immediate access to world class sportfishing waters. The residence includes 6 bedrooms, 7.5 bathrooms and was designed to blend coastal elegance with effortless waterfront living. In addition to the bedrooms, the main home provides a complete gym and office. A separate guest house includes a living room, full kitchen, laundry room, and two bedrooms with ensuite bathrooms. Located in the heart of Islamorada, the home is walkable to several restaurants. Agents Welcome

20 Avacado St, Islamorada
$630,000
2 Beds ⋅ 2 Baths ⋅ 617971 MLS
Private location for your pleasure at this roomy townhouse offering an abundance of space to enjoy. Spiral stairs leading to the primary suites with an additional loft for your quests. Soft carpet on the living area floors with tile in the remodeled kitchen and beautiful bathrooms. Two pets allowed, with first come first serve the waterfront area. Pool and club house for your recreation along with a nice, landscaped community for your pleasure. 28-day rentals permitted. Garden setting from you extended living room to enjoy the outdoors at your back yard.

87200 N Overseas Hwy Unit N2, Islamorada
$750,000
3 Beds ⋅ 2 Baths ⋅ 613083 MLS
All NEW NEXT TO MARINA & POOL Stunning Islamorada 3 full bedrooms 2 brand new bathrooms plus oversized loft with additional queen and three twin beds. This Townhouse has ALL NEW kitchen, new bar, new built-ins, new custom fishing closet & storage, brand new 4 ton AC unit, 2 brand new Bathrooms with showers, new extended loft area, new full size Washer/Dryer, new BBQ area with new patio chicago brick pavers plus private patio shaded area with beautiful palms trees, serena & lily furniture inside, new electric panel, new electric water heater, new 80' smart OLED TV, new area just for refreshments, coffee and bar, new 4 ton AC unit, high end hurricane impact windows and doors that are reflective and cannot see inside. New Electric car charging electric panel exclusive to this unit. Best area in the community next to pool and marina with two pickleball courts and basketball court in the rear. Sleeps easily over 10 people. King bed in the master bedroom, 2 queen mattress in additional bedroom and loft along with 5 twin mattresses. Rented in winter for over $6,500 a month! Call today! This community features a new private beach, marina, dock and clubhouse. Being SOLD fully furnished and fully equipped with high end appliances (FRIGIDAIRE), high end furniture (SERENA & LILY) and furnishings. See 3 Videos: https://youtu.be/P8cOME8P_kY; https://youtu.be/b6RmPMU8pvk; https://youtube.com/shorts/BEo0F_YzVFE;

87200 Overseas Hwy Unit V9, Islamorada
$2,300,000
3 Beds ⋅ 3 Baths ⋅ 611841 MLS
Make all of your Florida Keys fantasies come true at Fantasy Harbor! We're willing to bet you never even knew this gated community on Islamorada's Lower Matecumbe existed. This concrete harborfront home is being offered for the very first time. Upstairs 2 bedroom 2 bathrooms suites with open and spacious harborview living areas plus downstairs bedroom and bathroom with a bonus party hut reminiscent of relaxing Bahamian nights after a day on the water. Quiet & private living situated just off the Florida Bay in a protected harbor with 99' concrete seawall on cap rock plus boat lift. This one is a winner!

76412 Overseas Hwy, Islamorada
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