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

229 2nd Rd, Key Largo
$560,000
3 Beds ⋅ 2 Baths ⋅ 621879 MLS
Experience the charm of Old Florida Keys living in the desirable Largo Sound Village community! This classic 3-bedroom, 2-bath Conch-style home captures the character and laid-back island atmosphere that make the Florida Keys so special. Offering generously sized bedrooms and bathrooms, a dedicated dining area, spacious laundry room, and a screened-in back porch perfect for enjoying the tropical breezes, this home provides comfortable living with plenty of potential to make it your own. In addition to the home's two bathrooms, the property also features a third bathroom, offering added convenience and functionality for family and guests. Two of the three bedrooms feature their own en-suite bathrooms, providing added privacy, comfort, and convenience for family and guests. Adding to its appeal, the property is situated in desirable Flood Zone X, an added advantage for Florida Keys homeowners. Step outside to a spacious backyard offering endless possibilities for gardening, outdoor entertaining, or creating your very own tropical retreat. Whether you're searching for your first home in paradise, a weekend getaway, or an investment opportunity with room to add value, this property offers an exciting chance to bring your vision to life while embracing its timeless Keys character. Located at Mile Marker 104, Largo Sound Village is a wonderful community for those who love the outdoors and life on the water. For just $150 annually, residents have the option to join the private homeowners association, providing access to a community boat ramp and homeowners park. Additional neighborhood features include ample boat trailer parking and a dog-friendly community park area. With convenient access to both the Atlantic Ocean and Florida Bay, you'll be just minutes from some of the best fishing, diving, boating, and sandbar adventures the Florida Keys have to offer. And with Miami approximately an hour away, enjoying your own slice of paradise has never been more convenient.

229 2nd Rd, Key Largo
38 Transylvania Ave, Key Largo
$780,000
3 Beds ⋅ 2 Baths ⋅ 621831 MLS
Quality, Space & Easy Florida Keys Living! Impeccably maintained by its owner, this beautifully crafted concrete home offers 3 bedrooms, 2 full baths, and the quality finishes and thoughtful details that make Florida Keys living so enjoyable. Soaring ceilings and a spacious floor plan create a bright, open, and airy atmosphere. The inviting kitchen features granite countertops, custom wood cabinetry, stainless steel appliances, and an oversized island--perfect for everyday living, gathering with family, and entertaining friends. Step outside to a private, fenced backyard surrounded by tropical foliage and native trees, creating a peaceful outdoor retreat. Located in a sought-after neighborhood, this home also offers access to a premier homeowners' park featuring a beach, pavilion, restroom facilities, and boat ramp. Conveniently situated near shopping, schools, and the highway for an easy commute to Miami, this well-cared-for home combines quality construction, comfortable living, and the best of the Florida Keys lifestyle.

38 Transylvania Ave, Key Largo
500 N Emerald Dr, Key Largo
$525,000
2 Beds ⋅ 2 Baths ⋅ 621822 MLS
Paradise found!! Located in Silver Shores waterfront resort community, this home is 2 bedroom 2 bathrooms with a large screened room for entertaining. The home has an open floor plan with newer stainless appliances, Mitsubishi mini-split system and instant water heater. The bathrooms and kitchen are updated and the home has newer insulated windows and doors. The home also has a metal roof installed 2018. Enjoy morning coffee with the sunrise from the screen room or open porch with a partial Atlantic ocean view. A carport provides plenty of covered parking and the large corner lot has lush tropical landscape and fruit trees. Silver Shores subdivision has exceptional amenities, including a heated/chilled pool, marina, boat ramp, clubhouse, tennis, pickleball, bocce, and shuffleboard, waterfront tiki hut, boat/RV storage and large clubhouse with plenty of activities.

500 N Emerald Dr, Key Largo
130 Lorelane Pl, Key Largo
$1,725,000
3 Beds ⋅ 2 Baths ⋅ 621793 MLS
Beautifully Maintained Oceanside Waterfront Home in Key Largo! Enjoy the Florida Keys lifestyle in this inviting, move-in-ready 3-bedroom, 2-bath home situated along a picturesque oceanside canal. Offering 70 feet of waterfront with concrete dockage and a 13,500-pound boat lift, this property combines comfortable coastal living with wonderful outdoor entertaining spaces. Step inside to discover a bright, welcoming interior featuring an open living and dining area, an attractive kitchen with island seating, and impact windows and doors throughout. The comfortable living spaces extend outdoors to a spacious covered balcony and open sun deck, perfect for morning coffee, afternoon relaxation, or gathering with family and friends. The downstairs level offers covered parking, storage, and a versatile bonus room ideal for recreation or entertaining. Surrounded by lush tropical landscaping, the property features a covered outdoor entertainment area with bar, inviting waterfront spaces, and room for a future pool. Whether enjoying the beautiful canal views, spending time on the water, or simply relaxing in your own tropical retreat, this home offers the best of casual Keys living. Conveniently located near shopping, restaurants, and Key Largo Community Park, this home offers a wonderful combination of waterfront tranquility and everyday convenience. Move right in and start living your Florida Keys dream!

130 Lorelane Pl, Key Largo
322 Mahogany Dr, Key Largo
$635,000
3 Beds ⋅ 1 Baths ⋅ 621775 MLS
PRICE IS NOT THE ONLY IMPROVEMENT!! Discover the potential in this elevated 3 bedroom home in Pamela Villa, with cathedral ceilings, crown molding, and vinyl plank flooring throughout. The third bedroom offers a distinctive hardwood ceiling and private entrance. The larger size bathroom has an oval tub. Enjoy the tropical landscaping, a fully fenced backyard, covered parking, and a legal finished downstairs area that adds flexibility. Recent improvements include complete exterior painting and replacement of staircase railings, new range hood, ceiling fans. Located in an X flood zone, with no HOA fees. Expansion downstairs is possible, to add a bathroom and more living space. Conveniently located near shopping, dining, and John Pennekamp Coral Reef State Park plus it is convenient to Key Largo amenities including the Murray Nelson Cultural Center. Many are within walking/biking distance including Key Largo Park and Jacobs Aquatic center, professional Pickle ball courts, and the YMCA at the park The property is also covered by a Truly Nolen termite contract which transfers to the Buyer.

322 Mahogany Dr, Key Largo
112 Tweedy Pie Ter, Key Largo
$439,999
2 Beds ⋅ 1 Baths ⋅ 621762 MLS
Start enjoying the Florida Keys lifestyle in this charming 2-bedroom, 1-bath manufactured home in the desirable Oceanside community of Wynken, Blynken & Nod Estates! Whether you're searching for a weekend getaway, a seasonal retreat, a permanent residence, or a potential rental investment, this property offers plenty of possibilities. Situated on a dry lot, this semi-furnished home features an updated kitchen with stainless steel appliances and a welcoming living area perfect for gathering with family and friends. Step outside to a spacious, covered porch with plenty of room to relax, entertain, and enjoy the laid-back outdoor lifestyle. Enjoy the convenience of a low HOA fee of just $500 annually, with access to a community boat ramp for launching your boat or jet ski. You're just minutes from Rodriguez Key and other popular sandbar destinations. Conveniently located near schools, restaurants, marinas, and local attractions, this property offers the best of Keys living. Don't wait for the summer rush! Come see this home, envision the possibilities, and make it your own...now is the time to take the next step. Call today to schedule your private showing!

112 Tweedy Pie Ter, Key Largo
43 Waterways Dr, Key Largo
$1,775,000
3 Beds ⋅ 2 Baths ⋅ 621667 MLS
There's something special about an elevated home that's hard to put into words. It's a feeling, and this home has it! Situated on an oversized 9,226-square-foot corner lot, surrounded by beautiful, mature mangroves that provide exceptional privacy and create a cozy, secluded backyard atmosphere rarely found in the Florida Keys. Built in 2017 and lovingly maintained by its original owners, this home checks all the boxes! Thoughtfully designed with automated lighting, a security system, surveillance cameras, a fully fenced yard, metal roof, impact-resistant windows and doors, and durable Hardie board siding. Built well above the flood zone, this home offers both peace of mind and quality construction. Boating enthusiasts will appreciate the nearly new 75-foot dock, while the spacious outdoor area offers room to add a pool and create your own tropical paradise. Inside, the thoughtfully designed layout takes full advantage of the home's elevation and beautiful surroundings. The entire third floor is dedicated to the primary suite, complete with a private bathroom and its own balcony. The second floor features two additional bedrooms, a full bathroom, a comfortable living area, and a private balcony. With outdoor living spaces on multiple levels, you can enjoy the fresh Keys air, peaceful surroundings, and beautiful views from every floor. This is more than just a waterfront home. It's a place that makes you feel something.

43 Waterways Dr, Key Largo
613 Portia Circle Ky, Key Largo
$2,499,000
3 Beds ⋅ 4 Baths ⋅ 621610 MLS
Welcome to your fully remodeled luxury waterfront home in Key Largo! Originally built in 2009, this all-concrete residence underwent extensive renovations in 2024 and 2025, blending modern coastal design with durable construction. Featuring 3 bedrooms, 3.5 bathrooms, an open-concept layout, and a chef's kitchen with top-of-the-line JennAir appliances, this home is designed for comfortable island living and entertaining. Boating enthusiasts will appreciate the exceptional dockage, including a **40-foot cut-in boat slip accommodating a boat up to 45 feet, over 105 feet of brand-new concrete dockage, and 120 total linear feet of seawall**, with easy ocean access for fishing, cruising, and enjoying the Florida Keys waterways. Outdoor highlights include a brand-new swimming pool, private rooftop deck with expansive views, and a new concrete privacy wall with two heavy-duty aluminum gates. Conveniently located near a community park, popular restaurants, and local amenities, this exceptional Key Largo waterfront pool home offers the perfect combination of luxury, boating, privacy, and the ultimate Florida Keys lifestyle.

613 Portia Circle Ky, Key Largo
639 Cabrera St, Key Largo
$725,000
3 Beds ⋅ 2 Baths ⋅ 621585 MLS
Discover 639 Cabrera Street, a charming Key Largo residence tucked into the established South Creek Village community, where the beauty of the Florida Keys is part of everyday life. Offering 3 bedrooms, 2 bathrooms, and 1,432 square feet, the home features a bright, open-concept interior designed for effortless living. Neutral tile flooring flows throughout the main living areas, while a generously sized kitchen and comfortable gathering spaces create a welcoming atmosphere. Tropical surroundings and ample gravel parking add to the property's practicality and island charm. Located in an X Flood zone meaning NO flood insurance, this property offers an additional advantage for buyers seeking to minimize expenses. One of the community's most desirable amenities is its homeowners park, complete with a boat ramp offering access to Largo Sound and convenient boating connections to the Ocean and Bay. From early morning fishing trips to leisurely afternoons exploring the water, the best of the Keys is within easy reach. Perfectly suited as a primary residence or investment opportunity, this home presents an inviting opportunity to enjoy the Florida Keys lifestyle. SELLER FINANCING AVAILABLE! 20% down with a 15-year balloon.

639 Cabrera St, Key Largo
96000 Nw Overseas Hwy Unit APT W22, Key Largo
$1,095,000
2 Beds ⋅ 2 Baths ⋅ 621550 MLS
Welcome to resort-style living in the prestigious Buttonwood community of Key Largo. This beautifully situated 2-bedroom, 2-bath residence offers a spacious living area, in-unit washer and dryer, and a private balcony overlooking the water--perfect for relaxing and taking in the serene Keys lifestyle. A standout feature is the unit's own deeded 36-foot boat dock with immediate bay access, making boating and waterfront living effortless. Enjoy an exceptional collection of community amenities, including resort-style pools, tennis courts, a private beach, fitness center, and clubhouse. Spend your days boating, kayaking, paddleboarding, lounging by the water, or watching unforgettable sunsets from the private beach. Whether you are searching for a year-round residence or the perfect getaway in the Florida Keys, this condo offers the ideal blend of comfort, recreation, and waterfront lifestyle.

96000 Nw Overseas Hwy Unit APT W22, Key Largo
862 Cardinal Ln, Key Largo
$1,999,000
4 Beds ⋅ 4 Baths ⋅ 621495 MLS
OWNER FINANCING AVAILABLE -- 30% DOWN Brand-New Oceanside Waterfront Home with Pool & Dock in Key Largo Discover a beautifully crafted new construction home designed for effortless waterfront living in Key Largo. Situated directly on the ocean side, this impressive 4-bedroom, 4-bath custom residence pairs contemporary finishes with an exceptional outdoor setup made for boating, entertaining, and enjoying the Florida Keys lifestyle. Your Private Outdoor Retreat: The backyard is designed to be enjoyed year-round, centered around a heated and chilled saltwater pool featuring: 5'-6'' depth, Massage jets, Beach shelf with umbrella holder, Five LED pool lights' and a Safety net. Just beyond the pool, a substantial 15' x 40' private dock provides an ideal launch point for days on the water. The dock includes durable polyurethane synthetic decking, a power pedestal with LED lighting, water hookup, and both 30-amp and 120V electrical receptacles. Outdoor Entertaining, Elevated: The covered entertaining area makes outdoor gatherings easy and comfortable. The built-in outdoor kitchen is equipped with an outdoor-rated refrigerator/freezer, 32'' BULL BBQ, and sink, creating the perfect setting for everything from casual lunches to sunset dinners after a day on the boat. Contemporary Interior with Premium Appointments: Inside, the home continues the modern coastal aesthetic with carefully selected finishes and high-end features. Chef-inspired kitchen includes a 42'' GE Monogram counter-depth refrigerator, GE appliances, 36'' stovetop, tower oven/microwave combination, and wine cooler. Four beautifully appointed bathrooms feature smart electric toilets, rain and handheld shower systems, body jets, and frameless barn-style glass shower doors. Architectural details include soaring ceilings, 8' custom interior doors with smoked-glass inlays, and contemporary tile flooring throughout. Everyday convenience comes from dual inline water heaters and two Bosch stackable washer/drye Additional Property Features: Standing-seam 16" panel metal roof, Brick driveway with solar lighting, Spacious covered outdoor living area, Quick access to the Atlantic, Brand-new construction and Move-in ready Whether you're envisioning a private Keys getaway, a full-time waterfront residence, or a place where boating and outdoor living are part of everyday life, this newly completed Key Largo home offers an exceptional combination of modern design, private dockage and access to the Florida Keys lifestyle. Owner financing available with 30% down.

862 Cardinal Ln, Key Largo
22 Mangrove Ln, Key Largo
$1,495,000
3 Beds ⋅ 2 Baths ⋅ 621491 MLS
Welcome to Paradise Point at Lake Surprise II, an exclusive gated community where luxury meets tranquility. Located at the beginning of Key Largo at Mile Marker 106 on the bayside, this private community features only 30 homes. This property is ideally positioned in just seven homes from the bay and offers exceptional waterfront living. Main features CBS construction with two levels of living space Main residence with 3 bedrooms and 2 bathrooms Plus a new full one-bedroom apartment downstairs Property Highlights Bay canal frontage with direct water access Concrete dock measuring 37 feet approx. , plus an additional 8 feet with polymer-treated wood -Two 5,500-pound boat davits Fishing station and built-in outdoor kitchen and entertainment area A family-size jacuzzi -Impact windows - Impact doors all trough out the residency Parking for 4-5 vehicles, plus RV parking with a 50-amp connection Income property or permanent living - Short term lease available ask for details. Upper level 3 Bed 2 full baths -tile floors open layout - combined living dining and open kitchen 'white cabinets '3 separate sliding doors 'open to and wraparound terrace -high ceilings - main glass door - Decorated to perfection - furniture is negotiable - Upper level is rented - lease expired February 2027 Ground level 1 full apartment - design to perfection - high ceilings - open small kitchen granite top built in cabinets - 3 closets - impact windows - new bathroom with outdoor access - One screen porch - one cover outdoor porch connects to the back patio - canal- concrete dock over 40 Ft - jacuzzi - shed storage - boat davits - deep canal - partial bay view - Gated private community - Camera security control - New listing - price right - easy to show

22 Mangrove Ln, Key Largo
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