Key West Homes with Cash Finance Terms

Key West Homes with Cash Finance Terms

Welcome to Key West, Florida – a vibrant island paradise nestled in Monroe County, renowned for its stunning sunsets, rich history, and laid-back lifestyle. As the southernmost point in the continental United States, Key West is a jewel of the Florida Keys, offering a unique blend of tropical charm and eclectic culture. With its pastel-colored conch houses, lively Duval Street, and breathtaking beaches, it’s no surprise that this island attracts those seeking both adventure and tranquility.

Key West boasts a diverse real estate market, making it an ideal destination for homebuyers looking for a slice of paradise. Whether you’re drawn to quaint cottages, luxurious waterfront estates, or charming bungalows, there’s something for everyone. The homes in this enchanting city often come with the added benefit of cash finance terms, making the purchasing process smoother and more accessible. This flexibility allows buyers to seize opportunities quickly in a competitive market, ensuring they can secure their dream home without the hassle of traditional financing.

Living in Key West means embracing a lifestyle filled with outdoor activities, from snorkeling in crystal-clear waters to exploring the iconic Ernest Hemingway Home and Museum. The community is vibrant and welcoming, with an array of events, festivals, and culinary delights to indulge in year-round. The island’s unique blend of history, nature, and culture creates an unparalleled living experience.

If you’re ready to make Key West your home, explore the possibilities today – your tropical sanctuary awaits!

Newest Key West Homes with Cash Finance Terms

923 Fleming St, Key West
$5,300,000
7 Beds ⋅ 6 Baths ⋅ 621882 MLS
A rare opportunity to own a beautifully renovated historic property on coveted Fleming Street in the heart of Old Town Key West. Thoughtfully designed and renovated with exceptional craftsmanship, this unique property offers 7 bedrooms and 6 baths, creating an extraordinary combination of flexibility, privacy, and Old Town charm. The property is comprised of a 5-bedroom, 4-bath main residence, a separate one-bedroom guest apartment, and a one-bedroom pool cottage, each offering its own living space and kitchen. The guest apartment provides the perfect private quarters for visiting family and friends, or could easily be incorporated into the main residence to create additional living space or an expansive primary suite. The detached pool cottage offers yet another private retreat or rental opportunity. Outdoor living is at the heart of this exceptional property. A secluded, lushly landscaped entertaining area features a lagoon-style heated saltwater pool, tiki bar, and outdoor shower - an ideal setting for relaxing afternoons, sunset cocktails, and entertaining guests. Front and rear balconies provide additional opportunities to enjoy the quintessential Key West lifestyle, from morning coffee to evening cocktails. A private off-street parking space adds an especially valuable convenience in Old Town. Inside, the renovation reflects an exceptional level of craftsmanship and attention to detail, with beautiful finishes and crown molding throughout. Just a few blocks from the energy of Duval Street, the Historic Seaport and all that Old Town Key West has to offer, yet designed to provide a private oasis when you return home. A truly special property with endless possibilities for living, entertaining, and enjoying the Key West lifestyle. Owner is a licensed Florida Real Estate agent.

923 Fleming St, Key West
1004 Watson St Unit 1, Key West
$895,000
3 Beds ⋅ 2 Baths ⋅ 621844 MLS
Historic Old Town Key West charm, completely reimagined with the luxury and convenience of modern living. Located in the desirable X Flood Zone, this extraordinary townhome has undergone an extensive, top to bottom transformation. Far more than a visual renovation, the home features under the hood all new plumbing and electric wiring and systems. The beautifully redesigned interiors, contemporary finishes, and thoughtful upgrades throughout makes nearly everything feels brand new. One of only two units, the property enjoys an exceptionally low HOA fee of just $35 per month, covering common area insurance, maintenance, and reserves. Even better, this stunning home is offered fully furnished as shown. Just bring your toothbrush and begin enjoying the island lifestyle on the day of closing. Inside are two inviting bedrooms, two beautifully renovated full bathrooms, and a versatile bonus area with a Murphy bed for guests or a home office. The primary suite features a private ensuite bath, while both bathrooms showcase luxurious tiled walk-in showers and modern fixtures. The completely reimagined kitchen features a Frigidaire refrigerator, THOR gas range, ZLINE microwave, Samsung smart dishwasher, island sink with disposal, GE Profile all-in-one washer/dryer, wine cooler, and beverage cooler. Soaring cathedral ceilings and two expansive skylights fill the living space with natural light. Central air conditioning and a supplemental mini-split provide year-round comfort. Outside, a private tropical retreat awaits, complete with a spacious deck, built-in seating, propane fire feature, string lights, privacy fencing, and full size hot tub. A rare opportunity to enjoy the character of historic Key West with the freshness of a thoroughly reinvented home. Ideal as a primary residence, second home, or potential monthly rental. Completely reimagined, beautifully furnished, and move in ready.

1004 Watson St Unit 1, Key West
1125 Angela St, Key West
$2,099,000
5 Beds ⋅ 4 Baths ⋅ 621819 MLS
Rare old town 4 unit property. On the corner of Angela and Ashe streets. This property consists of a 2 bedroom unit and 3 1 bedroom units. All units have separate water and electric meters. Each unit has dedicated outdoor space. This is a perfect investment property. Buyers would need to verify use and refurbishment with the City. Currently two units have long term tenants. Two units are vacant. This is a great opportunity in a perfect location.

1125 Angela St, Key West
905 Grinnell St, Key West
$1,895,000
8 Beds ⋅ 4 Baths ⋅ 621807 MLS
A former church with a practical second calling. At 905 Grinnell Street, four occupied residences carry monthly rents totaling $11,249. There is also off-street parking--a feature whose virtues need little explanation to anyone acquainted with Old Town. The building retains its distinctive character while accommodating a three-bedroom residence, two two-bedroom residences, and a studio, each with one bathroom. Separate entrances and outdoor spaces lend the apartments a measure of independence. Together, they comprise approximately 3,383 square feet on a 5,737-square-foot lot. Concrete-block construction, a metal roof, and a location in the X-500 flood zone supply the practical details. The surrounding Historic District supplies the rest: neighborhood restaurants, shops, and Duval Street within walking distance. Offered at $1,895,000, with tenants in place and an established rental history. Rental and operating statements are available for those who prefer to read beyond the photographs.

905 Grinnell St, Key West
817 Pearl St, Key West
$825,000
1 Beds ⋅ 1 Baths ⋅ 621769 MLS
Charming Home in the Meadows, Old Town, Key West. This beautiful completely renovated one bedroom cottage on Pearl Street is move in ready, and is being sold furnished. Stepping into the home through the custom built Dutch-door, the interior is bright, the walls are shadow-gap wood, there is new flooring, and recessed LED lighting throughout. The Bedroom has a murphy bed, and built in bedroom drawers, with additional storage. The Kitchen has custom cabinets, granite countertops, and is steps away from the back deck with a Tiki and wet bar - and outside seating area. Mitsubishi mini split AC, Custom shades, All new impact windows and doors, and the front Dutch Door has hurricane panels. During the renovation, the whole house was insulated between the studs, 3/4 inch pressure treated plywood added, then 1' fire rock, and then lap siding- PT-kiln dried-dipped on both sides with primer. This property is completely fenced, has a sprinkler system, Outdoor shower, and the best part- is a wonderful front porch to relax and watch the world go by! Home Owners insurance is $ 1471.58, Flood Insurance is $ 1463.00

817 Pearl St, Key West
2827 Harris Ave, Key West
$2,195,000
5 Beds ⋅ 5 Baths ⋅ 621768 MLS
This stunning 5-bedroom, 5-bathroom fortress of a home, completely reimagined and rebuilt in 2023, offers 3,062 sq. ft. of luxurious living space on a 5,040 sq. ft. lot. Featuring 9-foot ceilings, custom wood cabinetry, porcelain wood-look tile and luxury vinyl flooring, the home showcases exceptional craftsmanship throughout. The chef's kitchen is a true centerpiece, featuring an impressive 17-foot island with seating for eight, professional grade appliances, a 36-inch gas range with vented hood, and a wine refrigerator. The spacious primary suite features a walk-in closet and a spa inspired wet room with dual showerheads, a clawfoot soaking tub, and dual vanities. Additional conveniences include laundry areas on both floors and abundant storage, including attic and under-home space. Built with durability and efficiency in mind, the home features impact resistant windows, spray foam insulation, and a double strapped aluminum standing seam roof. The backyard offers an inviting outdoor retreat, highlighted by a heated pool and traditional thatched chickee hut, perfect for relaxing or entertaining in true Key West style. From the moment you step inside, you'll appreciate the striking architectural symmetry, exquisite craftsmanship, and meticulous attention to detail that make this exceptional Key West residence truly one of a kind. *Please note that some photos have been digitally staged or altered*

2827 Harris Ave, Key West
1320 Eliza St, Key West
$2,399,000
4 Beds ⋅ 4 Baths ⋅ 621742 MLS
Welcome to 1320 Eliza Street, a beautiful historic Key West home filled with Old World charm and character. Once serving as a local schoolhouse, this unique property sits on a stunning, tropically landscaped corner lot in a quiet neighborhood, offering the perfect combination of history and privacy in Old Town, Key West. Featuring four (4) bedrooms, two (2) full bathrooms, and two (2) half bathrooms, this home offers plenty of space for family and guests, both indoors and out. A brand-new roof was recently installed, and the home has just been tented, providing added peace of mind. The main residence offers generous living spaces that open beautifully to the lush tropical gardens surrounding the home. The spacious living room flows directly onto a covered porch, allowing you to enjoy the wonderful Key West weather year-round. The chef's kitchen is perfect for preparing everything from a gourmet dinner to a casual meal with family and friends. The first-floor primary bedroom offers plenty of room for a king-size bed, along with a spacious walk-in closet. The second guest bedroom features its own en-suite bathroom and private front porch, giving guests their own special place to relax and enjoy the Key West lifestyle. Upstairs, you'll find a third bedroom along with an oversized walk-in storage area and ample closet space. Step outside and enjoy your own private tropical retreat. Beautiful gardens surround the heated and chilled swimming pool, creating a wonderful setting for entertaining or simply relaxing in the sunshine. Tucked away in the back corner of the property, the separate pool house offers additional privacy and flexibility, making it perfect for guests, a home office, or a quiet getaway. Complete with a half bathroom and outdoor shower, it offers what we like to call a true Key West bathroom! This home is a must see! Schedule your private showing today!

1320 Eliza St, Key West
410 Louisa St, Key West
$2,649,000
3 Beds ⋅ 3 Baths ⋅ 621735 MLS
Welcome to your private tropical retreat in the heart of Key West! Located on a quiet lane, just one block from Duval Street and a short walk to the Southernmost Point, this beautiful three (3) bedroom, three (3) bathroom home offers the perfect combination of location, privacy, and comfortable island living. Built in 2002 and meticulously maintained, the home features a spacious open floor plan connecting the living room, dining area, kitchen, and stunning outdoor space making it perfect for both everyday living and entertaining family and friends. Beautiful hardwood floors run throughout the home, while the kitchen features granite countertops, stainless steel appliances, and custom cabinetry. Two sets of French doors lead from the dining/living space and offer views of the beautiful backyard pool area. Currently set up as a den/office, the first guest bedroom is on the first floor of the home. Upstairs, the spacious primary suite features a large en-suite bathroom and an impressive walk-in closet. A laundry/utility room is at the top of the stairway landing, and across the hallway is an additional guest bedroom with private en-suite bathroom. With three bedrooms and three full bathrooms, there is plenty of room for family and guests to enjoy their own space and privacy. The backyard is where you will truly appreciate the Key West lifestyle. Surrounded by mature tropical landscaping and fully fenced for privacy, the heated and chilled swimming pool is perfect for enjoying year-round. New Trex decking surrounds the pool, creating a wonderful outdoor space for dining, entertaining, or simply relaxing in the sunshine. This home offers everything you could want in a Key West property: a fantastic Old Town location with driveway parking, a great floor plan, beautiful outdoor living space, and the privacy of a quiet lane, all just steps from the excitement of Duval Street. Call today to schedule your private showing!

410 Louisa St, Key West
1414 18th St, Key West
$1,505,000
3 Beds ⋅ 3 Baths ⋅ 621726 MLS
ASSUMABLE 5.625% VA LOAN! Discover your private Key West retreat at 1414 18th Street, where a beautifully renovated home, inviting tropical pool, and attractive financing opportunity come together. Set on a 6,000 square foot corner lot in a quiet New Town neighborhood, this concrete block home offers privacy, comfort, and easy island living. The sparkling pool is a standout feature, complete with a cascading coral waterfall that sets the mood for relaxing afternoons and entertaining friends. Private outdoor spaces and low maintenance landscaping mean more time enjoying the sunshine and less time on upkeep. Inside, a bright, open floor plan features luxury vinyl plank flooring, recessed lighting, and tasteful modern updates. The renovated kitchen includes quartz countertops, stainless steel appliances, a gas range, and updated cabinetry, with an easy connection to the living areas. All 3 bedrooms are generously sized, and all 3 bathrooms have been updated. The primary suite includes a spacious walk in closet. A dedicated laundry area with a full size washer and dryer, additional interior storage, and generous off street parking add everyday convenience. Just minutes from beaches, shopping, dining, and Old Town, this move in ready property combines the convenience of New Town with the feel of a private island escape. An existing 5.625% VA loan may be assumable by a qualified buyer, including a nonveteran, subject to loan servicer approval and applicable VA requirements. Contact us for loan details and assumption terms. Whether you're looking for a full time home, seasonal getaway, or investment opportunity, 1414 18th Street offers updated living spaces, a wonderful poolside lifestyle, and low maintenance appeal.

1414 18th St, Key West
3801 Flagler Ave, Key West
$2,229,000
3 Beds ⋅ 3 Baths ⋅ 621725 MLS
Welcome to 3801 Flagler Avenue in beautiful Key West! A stunning home designed for luxury, comfort, and privacy, offering the perfect indoor/outdoor island lifestyle. Situated on an oversized 9,500-square-foot lot, a rare find in Key West, this property features two separate structures, a spectacular two-tier saltwater pool with a tanning ledge and waterfall feature, and beautifully landscaped tropical grounds. The entire property feels like your own private resort. The main residence features one bedroom, one bathroom, a gourmet chef's kitchen, a spacious living area, and a beautiful second-floor loft. The open design and natural light give this home a peaceful, Zen-like feel. The second structure, located above the oversized two-car garage, provides the perfect accommodations for family and guests. Featuring two bedrooms, two bathrooms, and a generous living room, this separate living space offers exceptional comfort and privacy. Your guests will feel right at home while everyone enjoys their own personal space. Built for peace of mind and designed for effortless living, this newer-construction home offers exceptional features, including an elevated design above the FEMA AE-8 flood elevation, a whole-house generator, hurricane-impact windows and doors, and durable Hardi Board siding. Enjoy all the charm and beauty of Key West without the constant maintenance often associated with historic island homes. Step outside and discover your own tropical paradise. The beautifully landscaped grounds and stunning saltwater pool create a resort-style setting perfect for entertaining, unwinding or spending endless days soaking up the Florida Keys sunshine. Luxury, privacy, and convenience come together beautifully at 3801 Flagler Avenue. Owner is a licensed Florida Real Estate Broker. Call today to schedule your private showing!

3801 Flagler Ave, Key West
2514 Flagler Ave, Key West
$995,000
2 Beds ⋅ 2 Baths ⋅ 621724 MLS
You must come see this beautiful two-bedroom, two-bath home in New Town, featuring an oversized lot of over 8,000 square feet, a beautiful pool, and a tropical outdoor oasis you simply wouldn't expect until you step through the front door! This special property offers the perfect blend of island living, modern upgrades, and exceptional outdoor space. The lush, mature tropical landscaping creates a private backyard retreat, an outdoor bar included! Whether you're entertaining friends or enjoying a quiet afternoon in paradise, this outdoor oasis is sure to impress. Inside, you'll find a bright, open, and inviting home with a renovated kitchen featuring new cabinetry, granite countertops, and stainless steel appliances. Large windows and a glass door fill the kitchen with natural light and provide easy access to the expansive outdoor living area. The home also offers an updated roof, updated electrical, central A/C, an on-demand water heater, triple-pane windows and doors, and plantation shutters throughout. The primary bathroom features a walk-in shower, adding to the home's comfort and convenience. With over 8,000 square feet of property, a beautiful pool, exceptional tropical landscaping, and off-street parking for three cars, this New Town gem offers a unique opportunity to enjoy the very best of the Key West lifestyle.

2514 Flagler Ave, Key West
1607 Sunshine Dr, Key West
$1,929,000
3 Beds ⋅ 3 Baths ⋅ 621721 MLS
Tropical outdoor living meets the comfort of newer construction at 1607 Sunshine Drive! Built in 2014 this 3 bedroom 3 bath home offers a wonderful combination of privacy, modern features, and a convenient Key West location. The backyard is a true highlight, featuring a heated pool surrounded by tropical landscaping, spacious composite decking, and plenty of room to relax or entertain. Fully fenced with landscape lighting and irrigation this inviting outdoor space is designed to be enjoyed year round. Inside the home offers a comfortable and functional floor plan with a first floor bedroom and full bath ideal for guests or a home office. Upstairs two generously sized bedrooms each feature private bathrooms and their own outdoor decks. The kitchen is complete with quartz countertops brand new stainless steel appliances and a separate beverage pantry. Built with durability to Cat 5 hurricane codes and efficiency in mind the home features impact resistant windows and doors, a metal roof, concrete siding, and elevated construction. Two off street parking spaces provide added convenience. Whether you're looking for a full time residence or a place to escape to Key West 1607 Sunshine Drive offers an easygoing island lifestyle with all the benefits of a newer home.

1607 Sunshine Dr, Key West
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