Key Largo Homes with FHA Finance Terms

Key Largo Homes with FHA Finance Terms

Welcome to Key Largo, a tropical paradise nestled in Monroe County, Florida, where the sun-kissed shores meet the azure waters of the Atlantic Ocean. Known as the “Diving Capital of the World,” Key Largo offers an unparalleled lifestyle filled with adventure, relaxation, and breathtaking natural beauty. With its lush landscapes, vibrant coral reefs, and abundant marine life, it’s no wonder that residents and visitors alike are captivated by this enchanting island.

Key Largo is more than just a picturesque getaway; it’s a community that embraces a laid-back lifestyle while offering a range of amenities and activities. From world-class diving and snorkeling at John Pennekamp Coral Reef State Park to indulging in fresh seafood at local eateries, there’s something for everyone. Explore the scenic trails, take a sunset cruise, or simply unwind on the sandy beaches—life in Key Largo is all about savoring the moment.

For those looking to make this paradise their home, Key Largo offers a variety of housing options, including properties that qualify for FHA financing. This means you can secure your dream home with more accessible financing terms, making it easier for you to invest in your piece of paradise. Whether you’re searching for a cozy waterfront cottage, a modern family home, or a luxurious estate, Key Largo has a diverse real estate market that caters to all tastes and budgets.

Embrace the island life and discover the joys of living in Key Largo, where your dreams of sun, sea, and serenity can become a reality. Your oasis awaits!

Newest Key Largo Homes with FHA Finance Terms

$459,500
2 Beds ⋅ 2 Baths ⋅ 621276 MLS
Ground-floor condo with pool views and the community pool just steps from the screened patio. This updated, fully furnished 2-bedroom, 2-bath residence offers 778 square feet with an open living and dining area, modern kitchen, stainless-steel appliances and low-maintenance finishes. Landings of Largo is a gated bayfront community offering two pools, a marina, community boat ramp, fish-cleaning stations, kayak storage, dry boat-trailer parking, sunset pier, clubhouse, fitness room, tennis, pickleball and bocce courts. The monthly condominium fee helps cover roof and building-exterior maintenance, master building insurance, cable, pest control, security, common-area maintenance and community amenities. Offered furnished for use as a primary residence, Keys getaway or monthly rental, subject to association rules and approval. Conveniently located near Key Largo boating, fishing, diving, shopping and dining.

98321 Windward Ave, Key Largo
$768,000
3 Beds ⋅ 2 Baths ⋅ 621262 MLS
'Key Largo Home Comes With a Beach & Boat Ramp!' Move-In Ready Island living with private waterfront Homeowners Park! Built in 2018, this solid concrete home offers the perfect combination of newer construction, easy island living, and one of the neighborhood's best amenities: access to a private homeowner's park with a beach, boat ramp, picnic area. Launch the boat, spend the afternoon by the water, enjoy a picnic, or simply relax and embrace the Florida Keys lifestyle just minutes from home. Situated on a desirable corner lot, the property also offers abundant parking with plenty of room for multiple vehicles, a boat, trailer, and all your Keys toys. Beautifully maintained and truly move-in ready, you can start enjoying your new home from day one without taking on a major renovation project. Whether you're looking for a full-time residence, weekend escape, or second home, 16 Jewfish offers the space, convenience, and lifestyle that make Key Largo living so special. Bring the boat, bring the toys, and start living the Keys lifestyle!

16 Jewfish Ave, Key Largo
$769,000
2 Beds ⋅ 2 Baths ⋅ 621220 MLS
750 Madrid Road - Key Largo, Florida Beautifully Updated 2-Bedroom, 2-Bath Home in a Great Key Largo Family Neighborhood! This beautifully updated 2-bedroom, 2-bath home offers an impressive list of recent improvements and is located in a wonderful family-friendly neighborhood, conveniently close to schools and John Pennekamp Coral Reef State Park. Recent upgrades include a new 3.5-ton air-conditioning system with new duct work, a new furnace, a new hot water heater, new kitchen appliances, and beautifully remodeled bathrooms. Tile flooring throughout provides easy Florida Keys living, while the stunning Dade County pine ceilings add warmth, character, and a rare architectural feature that is increasingly difficult to find. The home has been freshly painted inside and out and includes new window blinds, new smoke detectors, and four new ceiling fans--four inside and four outside. New exterior lighting has been added to both the front and rear of the home. Additional improvements include new fencing and an electronic entry gate, providing added privacy and convenience. A stack washer and dryer is conveniently located in the guest bathroom. The durable metal roof and extensive list of recent upgrades make this home ready to enjoy. There are 3 decks to relax and enjoy on. Located in a great family neighborhood close to local schools and John Pennekamp Coral Reef State Park, this home offers the opportunity to enjoy the best of the Florida Keys lifestyle while being conveniently situated near some of Key Largo's most popular amenities. A wonderful opportunity to own a beautifully updated Key Largo home with character, comfort, and an exceptional list of improvements!

750 Madrid Rd, Key Largo
$2,150,000
4 Beds ⋅ 3 Baths ⋅ 621206 MLS
Waterfront living at Mariner's Club in Key Largo! One of only three residences in the entire community offering desirable views from both sides, this spacious 4BR/3BA residence enjoys open-water views on one side and marina views on the other--a rare distinction from most residences that face the parking area on one side. Offering 2,635 SF, the home features an expansive covered terrace ideal for indoor-outdoor living and entertaining. The generous floor plan includes a large living/dining area, stone flooring, abundant natural light, and a well-appointed kitchen with wood cabinetry, granite surfaces, stainless-steel appliances, double ovens, and breakfast area. The waterfront primary suite enjoys terrace access and beautiful views, while three additional bedrooms provide excellent space for family, guests, or office use. Located in a gated resort-style community with tropical grounds, pool amenities, marina surroundings, and easy access to the best of the Key Largo boating lifestyle. An exceptional combination of space, views, and location.

97501 Overseas Highway Unit 321, Key Largo
$1,595,000
4 Beds ⋅ 5 Baths ⋅ 621186 MLS
Welcome to this stunning 4-bedroom, 4.5-bathroom waterfront home in highly desirable Key Largo, ideally located just five homes from the open ocean. This beautifully appointed property offers the perfect blend of modern design, comfort, and the quintessential Florida Keys lifestyle. Enjoy direct ocean access, a sparkling private pool, and a charming tiki hut--perfect for entertaining, relaxing, and enjoying the tropical surroundings. The property also features a 10,000-pound boat lift, providing exceptional convenience for boating enthusiasts. A beautiful modern concrete driveway adds to the home's impressive curb appeal. Ideally situated near Key Largo's restaurants, shopping, boating, and other popular attractions, this property offers an excellent location for enjoying everything the Florida Keys have to offer. Whether you're seeking a private waterfront residence, vacation retreat, or investment opportunity, this exceptional Key Largo property is one you won't want to miss.

71 Coral Dr, Key Largo
$2,400,000
3 Beds ⋅ 3 Baths ⋅ 621111 MLS
**SELLER FINANCING AVAILABLE** WELCOME TO THIS EXCEPTIONAL FULLY REMODELED WATERFRONT HOME, WHERE MODERN LUXURY MEETS FUNCTIONALITY. NO DETAIL WAS OVERLOOKED AND NO EXPENSE WAS SPARED IN TRANSFORMING THIS PROPERTY INTO A TRUE WATERFRONT SHOWPIECE. THE OVERSIZED, LOW-MAINTENANCE LOT IS SECURELY ENCLOSED BY A 6-FOOT METAL GATE AND OFFERS PAVED PARKING FOR 10+ VEHICLES. THE BEAUTIFULLY FINISHED YARD FEATURES PREMIUM ASTRO TURF, A BRAND-NEW POOL WITH WATER HEATER, AND A 2024 CONCRETE DOCK WITH A NEW 20,000-LB BOAT LIFT AND NEW OUTDOOR KITCHEN. THE SOLID-CONCRETE HOME, INCLUDING THE ROOF, HAS BEEN COMPLETELY UPDATED WITH BRAND-NEW IMPACT WINDOWS AND DOORS, PLUMBING, ELECTRICAL, AND HIGH-END FINISHES THROUGHOUT. CUSTOM BUILT-INS IN EVERY CLOSET PROVIDE EXCEPTIONAL STORAGE AND FUNCTIONALITY. EVERYTHING HAS BEEN THOUGHTFULLY DESIGNED. TO COMPLETE THIS IMPRESSIVE WATERFRONT PROPERTY. THIS IS A RARE OPPORTUNITY TO OWN A TURNKEY WATERFRONT HOME WITH PREMIUM UPGRADES THROUGHOUT.

1502 Shaw Dr, Key Largo
$1,200,000
3 Beds ⋅ 2 Baths ⋅ 621024 MLS
Welcome to your waterfront escape in beautiful Key Largo! This fully furnished, canal-front 3-bedroom, 2-bathroom home offers 1,539 square feet of comfortable living space and an exceptional waterfront setup designed for effortless boating. With no bridges and direct access to the bay, this property is truly a boater's dream. One of the home's standout features is its private boat ramp, allowing you to launch directly from your own property instead of hauling your boat to a crowded public ramp. The waterfront also features an impressive 60-foot raised concrete dock, three davit pads, and two existing davits, giving you plenty of options for storing and enjoying your watercraft. Built in 2004, the home features a bright, inviting open-concept kitchen, dining, and living area, plantation shutters, hurricane shutters, and a metal roof replaced in 2020. The spacious screened-in patio on the first floor provides the perfect place to relax, entertain guests, or enjoy the tropical Keys breeze. The property also offers plenty of room for your vehicles, boat, and recreational equipment, including a one-car garage and a generous two-car carport, and additional space to park your boat. Best of all, there is no homeowners' association, giving you the freedom to enjoy your property your way. Located approximately 25-30 minutes from Homestead and conveniently accessible from Miami, this home is ideal as a primary residence, weekend getaway, or furnished Keys retreat.

339 Windley Rd, Key Largo
$740,000
3 Beds ⋅ 2 Baths ⋅ 620976 MLS
Welcome to your ultimate Florida Keys getaway! This beautifully refreshed Key Largo home shines with brand-new interior and exterior paint, plus a stylish new kitchen backsplash. Inside, soaring vaulted ceilings create a bright, airy coastal ambiance, complemented by a versatile bonus loft area that is perfect for a home office. Escape to the spacious master bedroom, complete with his-and-her closets, while the spa-like master bath offers a luxurious steam walk-in shower and a relaxing whirlpool tub. Step outside to your private oasis featuring a covered back patio perfect for entertaining, with plenty of remaining space to build your dream pool! Nestled in a highly desirable neighborhood, water enthusiasts will love the immediate ocean access via the community boat ramp just down the street. Enjoy the ultimate convenience of being minutes away from local waterfront restaurants, shopping, Publix, and a nearby state park. Move right in and start living the effortless Keys lifestyle you've been dreaming of!

118 First St, Key Largo
$1,197,000
3 Beds ⋅ 3 Baths ⋅ 620929 MLS
KEY LARGO WATERFRONT HOME WITH 25,000-LB BOAT LIFT & EASY BAY-TO-OCEAN ACCESS! Welcome to 1007 Hialeah Lane in sought-after Cross Key Waterways, a true boater's property offering approximately 1,300 sq ft, 3 bedrooms, 2.5 baths, 55 feet of concrete dockage and a NEW 25,000-lb boat lift. Located on the bayside of Key Largo, this home offers excellent boating access with a straight shot to Adams Cut, providing a convenient route from Florida Bay to the Atlantic Ocean. Spend your days offshore fishing, diving the reefs, exploring the backcountry, cruising to waterfront restaurants or enjoying everything the Florida Keys boating lifestyle has to offer, all from your own backyard. Updated in 2022, the home features impact windows and doors, a solid concrete roof and two newer A/C systems, with separate units upstairs and downstairs. The layout offers comfortable living and entertaining spaces with the waterfront lifestyle at the center of it all. Just off the kitchen and living area, step outside onto the spacious rooftop patio and experience one of the best parts of owning a bayside home in the Keys: beautiful sunset views every evening. It's the perfect setting for outdoor dining, entertaining, grilling or relaxing after a day on the water. With 55' of concrete dockage, a 25,000-lb boat lift, easy access to both the bay and ocean, impact protection, concrete roof, 2022 updates and incredible sunset outdoor living, 1007 Hialeah Lane delivers the Key Largo waterfront lifestyle boaters are searching for.

1007 Hialeah Ln, Key Largo
$660,000
3 Beds ⋅ 2 Baths ⋅ 620911 MLS
Dreaming of owning your own piece of paradise in the Florida Keys? This is an opportunity you won't want to miss! Ideally located in the heart of Key Largo and just under an hour from Miami, this immaculate 3-bedroom, 2-bath home is truly move-in ready. The home features a beautifully remodeled kitchen and bathrooms, tile flooring throughout, hurricane-impact windows, and a durable metal roof. Step outside to a spacious backyard with plenty of room to create your own tropical retreat, including room for a pool. Whether you're looking for a full-time residence, weekend getaway, or your own slice of the Keys lifestyle, this Key Largo gem is ready to welcome you home!

980 Oleander Rd, Key Largo
$899,900
3 Beds ⋅ 2 Baths ⋅ 620901 MLS
Your Key Largo Home Awaits! This gorgeous 3-bedroom, 2-bathroom home, built in 2021, Features a spacious, open-concept living area featuring soaring vaulted ceilings and an expansive kitchen with abundant cabinetry and added storage, making entertaining and everyday living effortless. Enjoy the best of indoor-outdoor living from the fully enclosed front porch, complete with high-impact windows and doors. With windows that open fully, you can welcome in the refreshing island breeze on those beautiful cooler days. Outside, your private oasis awaits! Take a dip in the heated pool and Jacuzzi, complete with color-changing lights that create the perfect atmosphere for relaxing evenings under the stars. Entertain family and friends at the tiki bar with a built-in outdoor kitchen--your own private slice of paradise. The property also features an RV hookup. Plenty of parking for your boat, trailer, and several cars. This home is conveniently located near boat ramps, making it easy to get out on the water and enjoy everything the Florida Keys lifestyle has to offer. Relax. Entertain. Explore. Live the Keys lifestyle.

811 La Paloma Rd, Key Largo
$665,000
4 Beds ⋅ 2 Baths ⋅ 620872 MLS
Your outstanding Opportunity in the Heart of Key Largo. Discover this spacious 4-bedroom, 2-bath single-family home with room for a mother-in-law or guest room. Located in the highly desirable Twin Lakes neighborhood -- one of Key Largo's most loved and centrally positioned communities. Offering 1,314 sq ft of comfortable living space on a generous 6,390 sq ft lot, this property delivers the freedom and flexibility the Keys lifestyle demands. There's ample room for boats, RVs, trailers, or multiple vehicles, making it ideal for outdoor enthusiasts and families who need more space to grow. The expansive yard provides a peaceful outdoor setting with lush garden views and endless potential to design your own private retreat -- add a tiki lounge, tropical landscaping, or a play area to create the perfect island oasis. Whether you're searching for a primary residence, a vacation escape, or a smart investment property, this home offers exceptional value in one of the most sought-after areas of the Florida Keys. Enjoy close proximity to marinas, parks, restaurants, and world-class fishing and boating, all just minutes away. A rare chance to own a versatile, well-located home in Key Largo -- opportunities like this don't last.

664 Colson Dr, Key Largo
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