Key West Homes with Conventional Finance Terms

Key West Homes with Conventional Finance Terms

Welcome to Key West, Florida, a tropical paradise nestled in Monroe County that offers a unique blend of vibrant culture, stunning landscapes, and a laid-back lifestyle. Known for its enchanting sunsets, crystal-clear waters, and historic charm, Key West is the southernmost point in the continental United States, making it a dream destination for both residents and visitors alike.

Key West boasts a rich history, with its pastel-colored conch houses and lively streets echoing tales of seafarers and artists who have called this island home. The city is famous for its lively Duval Street, where you’ll find a plethora of restaurants, bars, and shops, all infused with the spirit of island life. Whether you’re exploring the Ernest Hemingway Home and Museum or enjoying fresh seafood at a waterfront restaurant, there’s always something to captivate your senses.

For those considering a move to this idyllic locale, Key West offers a variety of homes that are accessible through conventional financing options. From charming cottages to luxurious oceanfront estates, there’s something for every taste and budget. With conventional finance terms available, purchasing a home in Key West can be a seamless process, allowing you to embrace the island lifestyle sooner than you think.

Imagine waking up to the sound of waves lapping against the shore and enjoying your morning coffee while taking in the breathtaking views. Key West isn’t just a destination; it’s a way of life. Let us help you find your slice of paradise in this enchanting city!

Newest Key West Homes with Conventional Finance Terms

$3,300,000
3 Beds ⋅ 2 Baths ⋅ 621273 MLS
Old Town charm in the heart of Key West! This two-story Conch-style residence offers an exceptional opportunity to enjoy island living in the highly desirable Old Town Historic District. A two-car driveway provides convenient off-street parking, while a welcoming front porch leads into an inviting interior with wood floors throughout the first level. The well-appointed kitchen features a gas range, stainless steel appliances, and easy access to the outdoor entertaining areas. A comfortable sitting room provides the perfect space to relax after a day enjoying Key West. The entire second floor is dedicated to a spacious primary suite featuring a large walk-in closet, mini-split A/C, private bath with shower, and a sunbathing area. An additional flexible space is ideal for a home office, reading area, or extra living space. Outdoor living is a highlight, with a covered patio featuring exterior lighting and ceiling fans, plus a jacuzzi and outdoor shower for year-round enjoyment. Additional conveniences include a dedicated laundry room with full-size washer and dryer, utility sink, workspace, attic storage, and a detached storage shed. Storm-ready features include a metal roof and exterior hurricane shutters, while interior plantation shutters add classic Key West character. Ideally located just a short bike ride from Duval Street, Mallory Square, St. Mary's, restaurants, galleries, shops, entertainment, and the waterfront. A wonderful opportunity to own a distinctive Old Town residence combining historic charm, valuable off-street parking, inviting outdoor spaces, and an exceptional Key West location.

728 Poor House Ln, Key West
$2,400,000
3 Beds ⋅ 3 Baths ⋅ 621218 MLS
Welcome to your waterfront escape in Key West. Located within a gated community, Gulfview Pointe offers the perfect blend of island charm, comfort, and an exceptional waterfront lifestyle and just minutes from world-famous Duval Street and all that Key West has to offer. This move-in-ready 3-bedroom, 2.5-bath home welcomes you with classic Key West architecture, lush tropical surroundings, and inviting indoor and outdoor living spaces. The kitchen features granite countertops, stainless steel appliances, and ample cabinetry. Step outside to your own private tropical retreat, where a sparkling pool surrounded by composite decking creates the perfect setting for relaxing, entertaining, and enjoying the year-round Florida Keys sunshine. Beyond the pool, your private dock opens the door to endless adventures. Spend the afternoon fishing, set out on your personal watercraft, paddleboard or kayak, or simply unwind and watch another spectacular Key West sunset from your own backyard. A covered carport and the privacy of a gated community complete this island home. Whether you're searching for a full-time residence, your own Key West getaway, or investment opportunity with luxury vacation rental potential in this highly sought-after community, Gulfview Pointe offers an exceptional opportunity. Opportunities like this don't come around often--invest in your dream home and start living the Key West waterfront lifestyle you've been dreaming of. Call today to schedule your private showing!

2623 Gulfview Dr, Key West
$5,400,000
6 Beds ⋅ 7 Baths ⋅ 621215 MLS
Step back into timeless Key West soul, where leaf-stamped garden paths, sun-dappled outdoor showers, and the gentle trickle of private pool waterfalls create an unforgettable Old Town sanctuary. Hidden behind a classic wooden gate just moments from the Historic Seaport and Duval Street, this compound offers two private, fully equipped homes on a lush 7,796-sq. ft lot, providing the ultimate luxury island retreat or multi-generational estate. Verdant foliage frames the wrap-around front porch of the front cottage, inviting you to sit back and enjoy quintessential island living. Inside, sky-lit vaulted ceilings with exposed wooden beams pour warm sunshine across white-painted walls and rich wood floors. The light-filled layout centers around an enchanting cottage kitchen filled with warmth and timeless charm that flows seamlessly into the living space and guest half bath. Three bedrooms-each featuring its own private ensuite bath-offer exceptional comfort. Floor-to-ceiling glass draws you out to an outdoor dining area and a sparkling heated pool nestled among vibrant gardens. Wander through the botanical grounds to the rear house, a custom-crafted two-story sanctuary built in 2016. Showcasing exquisite Hickory hardwood floors, whitewashed Cypress interior walls, and slate-tiled baths, this home balances coastal elegance with high-end luxury. The chef's kitchen boasts an elite ILVE range and custom cabinetry, flowing into open living quarters that slide open to the backyard oasis. The main floor offers versatile living with a guest suite that double-functions as a private home office with a built-in Murphy bed. Upstairs, a Craftsman staircase leads to a secondary guest suite with an ensuite bath and a sprawling primary retreat, complete with an oversized spa bath and a private balcony overlooking the second heated waterfall pool. Do not miss this rare chance to own one of Old Town's premier dual-home properties, complete with dedicated off-street parking for two cars.

613 Margaret St, Key West
$1,225,000
3 Beds ⋅ 3 Baths ⋅ 621211 MLS
Welcome to 14 Spoonbill Way, an exceptional single-family residence nestled within the sought-after golf club community offering a relaxed, resort-style lifestyle in Key West. With 3 bedrooms, 2.5 baths, a spacious bonus room currently configured as a bunk room, and beautiful golf course and lake views, this home offers the ideal blend of comfort, versatility, and effortless entertaining. The main level is designed for gathering, with an open-concept floor plan that seamlessly connects the kitchen, dining area, and living room. Whether hosting friends for dinner or enjoying a quiet evening at home, the space feels bright, open, and inviting. The living area extends naturally outdoors to a generous back deck overlooking the golf course and lake, creating an idyllic setting for morning coffee, alfresco dining, or cocktails at sunset. Upstairs, the primary suite offers a peaceful private retreat with its own deck and a generously sized walk-in closet--an uncommon and highly desirable feature that sets this home apart from others in the community. Two additional bedrooms and a full bathroom complete the second floor. Life in the golf club community is about more than just the home. Residents enjoy access to an array of resort-style amenities, including two swimming pools, a fitness center, a beautiful butterfly garden, and more. 14 Spoonbill Way enjoys an especially convenient position within the community, located in close proximity to the larger resort pool and with nearby guest parking--an added advantage when entertaining. From its thoughtfully designed open living spaces and distinctive primary suite to its tranquil golf course and lake views and enviable access to resort amenities, 14 Spoonbill Way captures the essence of relaxed Key West living. A rare opportunity to enjoy a private residence with the amenities and atmosphere of a resort, all in Key West's desirable golf club community.

14 Spoonbill Way, Key West
$1,395,000
2 Beds ⋅ 4 Baths ⋅ 621163 MLS
NEW LISTING IN OLD TOWN WITH OFF STREET PARKING! This Old Town investment property comes fully furnished so you can move right in or start renting immediately. It is a legal duplex with two units, each having one bedroom and one and a half bathrooms but could easily be converted to a single family home. Located on a fenced corner lot in Old Town, it's just blocks from Duval Street, making it very convenient for dining, shopping, nightlife and enjoying the Key West sights The home has updated kitchen and baths, ductless AC units, hardwood floors, vaulted ceilings, and skylights. It's a perfect mix of modern style and classic Keys architecture. Live in one unit and rent out the other, have a dedicated private guest space, or use both to generate income. Each unit has its own private outdoor area and laundry. There is a welcoming front porch perfect for morning coffee. Desired X Flood Zone!

709 Olivia St, Key West
$2,525,000
4 Beds ⋅ 3 Baths ⋅ 621162 MLS
Set on a quiet, tree-lined block in one of Key West's most sought-after residential pockets, this thoughtfully reimagined 4BD/3BA residence offers just over 2,000 square feet of refined island living -- the result of a multi-year renovation where no detail was overlooked. The first floor opens to a flexible bedroom or private office alongside a full bath, newly converted and finished to the same standard as the rest of the home. Beyond, an all-new updated kitchen anchors the space with stainless appliances, custom built-in cabinetry, fresh countertops and designer lighting. French doors wrap the open living room, flooding the interior with natural light and dissolving the line between inside and out. Step through to your private tropical oasis: a heated pool, newly resurfaced and framed in travertine, with a new outdoor shower for rinsing off after a day at the beach. A setting built equally for quiet mornings and evenings. Upstairs, the primary suite delivers an ensuite bath, walk-in closet and a private balcony made for morning coffee above the palms. Two additional guest bedrooms and a full guest bath complete the second floor. Behind the finishes, the seller has invested in everything that matters: new HVAC, on-demand hot water, all-new pool equipment, new tile flooring, baseboards and lighting throughout, plus fresh interior and exterior paint. Renovated bathrooms and updated floors carry the same considered hand from room to room. A short bike ride delivers you to Key West's finest restaurants, beaches, galleries, museums and world-famous Duval Street -- yet the block itself stays wonderfully removed from it all. A neighborhood stunner not to be missed.

1427 Washington St, Key West
$1,395,000
2 Beds ⋅ 4 Baths ⋅ 621159 MLS
NEW LISTING IN OLD TOWN WITH OFF STREET PARKING! This Old Town investment property comes fully furnished so you can move right in or start renting immediately. It is a legal DUPLEX with two units, each having one bedroom and one and a half bathrooms. Located on a fenced corner lot in Old Town, it's just blocks from Duval Street, making it very convenient for dining, shopping, nightlife and enjoying the Key West sights The home has updated kitchen and baths, ductless AC units, hardwood floors, vaulted ceilings, and skylights. It's a perfect mix of modern style and classic Keys architecture. Live in one unit and rent out the other, have a dedicated private guest space, or use both to generate income. Each unit has its own private outdoor area and laundry. There is a welcoming front porch perfect for morning coffee. Desired X Flood Zone!

709 Olivia St, Key West
$700,000
3 Beds ⋅ 2 Baths ⋅ 621158 MLS
Rarely available 3-bedroom residence in Solana Village, ideally situated in Key West's New Town neighborhood. This top-floor unit offers an excellent investment opportunity with a tenant already in place, along with off-street parking, community pool access, and a spacious balcony for enjoying the island lifestyle. The thoughtfully designed layout features a charming spiral staircase leading to the private primary suite, creating a distinctive architectural touch and added separation between living and sleeping spaces. The location is exceptionally convenient, close to Poinciana Elementary and other area schools, shopping and everyday amenities at Searstown, Key Plaza, and nearby retail centers, as well as government offices and services. Residents are also just minutes from Old Town, Key West's waterfront, marinas, restaurants, entertainment, and the island's many iconic points of interest. A rare 3-bedroom offering in Solana Village with strong rental appeal, desirable amenities, and a location that makes it easy to enjoy all that Key West has to offer.

3314 Northside Dr Unit 42, Key West
$750,000
2 Beds ⋅ 2 Baths ⋅ 621157 MLS
Welcome to island living at 141 Golf Club Drive, nestled within the gated Key West Golf Club community. This inviting two-bedroom, one-and-a-half-bath townhome offers the perfect blend of comfort, convenience, and the laid-back Key West lifestyle.The thoughtfully designed two-story floor plan features an open main level with living, dining, and kitchen areas, along with a convenient half bath. Upstairs, two comfortable bedrooms (one with a balcony) and a full bath provide a private retreat. Outdoor spaces extend the living area and create an ideal setting for morning coffee, al fresco dining or relaxing with a cocktail after a day on the island. Set in a beautifully maintained gated community, residents enjoy an array of amenities including swimming pools, clubhouse, fitness facilities, scenic walking paths, and 24-hour gated security. The location offers a peaceful residential setting while keeping Key West's renowned beaches, restaurants, nightlife, shopping, and attractions within easy reach. Whether you're seeking a full-time island residence or a weekend escape, 141 Golf Club Drive is an opportunity to enjoy the best of the Florida Keys--comfortably, conveniently, and in true Key West style.

141 Golf Club Dr, Key West
$995,000
2 Beds ⋅ 2 Baths ⋅ 621152 MLS
Exquisite, turnkey resort living awaits in this fully furnished 2-bedroom, 2-bathroom oceanfront condominium, offering an effortless transition into Key West luxury just steps from world-famous Smathers Beach. Tucked away in a quiet oceanfront enclave, you are just minutes from Old Town, world-class dining, marinas, and the airport. Inside, high-end interior upgrades feature rich wood-grain LVP flooring through the main living areas and bedrooms, complemented by elegant large-format porcelain tile in the renovated bathrooms. The kitchen and dedicated wet bar showcase polished marble countertops, custom white shaker cabinetry, stainless steel appliances, and built-in wine storage. Light-filled open living and dining spaces flow seamlessly through hurricane impact glass sliders onto a massive 38-foot private balcony framing lush tropical greenery and partial ocean views. The primary suite boasts generous closet space, an updated vanity, and a custom walk-in shower with a frameless glass enclosure and direct balcony access. Key Property Details: Parking & Storage: Assigned covered garage parking spot plus a private locked storage locker located directly in front of your vehicle. Turnkey Ready: Sold complete with all designer furnishings, artwork, flat-screen TVs, linens, and housewares for instant occupancy. Resort Amenities: On-site sunning beach, heated oceanfront Olympic-size pool, jacuzzi, saunas, a brand-new fitness center, 3 lighted tennis courts (including 1 clay court), BBQ picnic areas, and lush botanical gardens. Effortless Ownership: HOA fees cover building insurance, exterior maintenance, water, cable/high-speed internet, and fully funded reserves ($20k assessment paid). Strong rental track record ($72k+ net annual yield).

1800 Atlantic Blvd Unit 325C, Key West
$6,750,000
5 Beds ⋅ 5 Baths ⋅ 621141 MLS
Luxurious, Modern, Historic, & Impeccably Remodeled. Welcome to 411 Louisa Street, located in the heart of Old Town Key West, less than a block from Duval Street's top dining and entertainment. This stunning five-bedroom, four-and-a-half-bath residence offers 3,663 sq. ft. of living space on an 8,227 sq. ft.oversized lot, providing rare space and privacy in one of the island's most desirable neighborhoods. Enter through the white picket fence and tropical courtyard to your grand Key West estate, where every detail has been thoughtfully designed. The first floor is set for entertaining, featuring a spacious living area and a chef's kitchen with stone countertops, an oversized island, custom cabinetry, and premium Sub-Zero, Viking, and Wolf appliances. A generous walk-in pantry adds extra storage convenience. The primary suite, also on the ground level, overlooks the pool and boasts a spa-inspired bath with dual showers, a freestanding soaking tub (with air bubble massage) and a large walk-in closet with one of two laundry areas. Outdoors, enjoy your private resort-style backyard with an oversized pool, covered lounge, and outdoor kitchen complete with gas grill, ice maker, and mini-fridge, perfect to grill up those fresh catches or hotdogs for the kids. Sonos speakers throughout set the tone to enjoy a relaxed Key West lifestyle. A floating living room staircase leads to two inviting guest rooms and a full bath. Two additional bedrooms currently serve as offices, each with en suite baths and private entrances, ideal for guest suites, studios, or remote workspaces (one includes a kitchenette). A climate-controlled standalone workshop offers a perfect space for projects, hobbies, or extra storage. Designed for both resilience and comfort, the home includes impact-rated doors and windows, a 30 KW Cummins diesel generator with 500-gallon fuel tank, smart home automation for lighting and shades, and off-street parking for two vehicles.

411 Louisa St, Key West
$625,000
2 Beds ⋅ 2 Baths ⋅ 621140 MLS
Here is your opportunity to own a piece of paradise in Key West! This inviting home offers a great opportunity to start living in one of the most unique destinations in the Florida Keys. Inside, you'll find wood flooring throughout and comfortable living spaces filled with plenty of natural light. The recently remodeled kitchen is well positioned as the heart of the home and connects to the surrounding living area for everyday living and entertaining. Upstairs are two spacious bedrooms, each with large sliding glass doors that open to an inviting second-floor balcony--a great spot to enjoy your morning coffee or relax at the end of the day. Outside, the fully fenced property provides privacy and a great space for pets, entertaining, or simply spending time outdoors. Come see the possibilities and discover your own place in Key West!

3228 Eagle Ave, Key West
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