Key West Homes with FHA Finance Terms

Key West Homes with FHA Finance Terms

Welcome to the enchanting island paradise of Key West, Florida, where vibrant sunsets meet the soothing sounds of the ocean. Nestled in Monroe County, Key West is not just a destination; it’s a lifestyle. Known for its rich history, colorful architecture, and a laid-back atmosphere, this charming city is a haven for those seeking both adventure and tranquility.

Key West boasts a unique blend of cultural influences, evident in its lively arts scene, delicious cuisine, and welcoming community. Whether you’re exploring the historic streets lined with conch-style homes or enjoying a fresh catch at one of the local seafood restaurants, there’s always something new to discover. The island is famous for its outdoor activities, from snorkeling in the crystal-clear waters of the Florida Keys National Marine Sanctuary to enjoying a sunset sail that will leave you breathless.

For those considering making Key West their home, there are fantastic opportunities available, including homes that qualify for FHA financing terms. This means that whether you’re a first-time homebuyer or looking to invest in a vacation property, accessing the dream of island living is more achievable than ever. With FHA financing, you can take advantage of lower down payment options and flexible credit requirements, making it easier to find your perfect slice of paradise.

Imagine waking up to the sound of waves and the scent of salt in the air, all while knowing that your dream home is within reach. Key West is not just a place to live; it’s a vibrant community where every day feels like a vacation. Come and explore the possibilities that await you in this tropical gem!

Newest Key West Homes with FHA Finance Terms

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
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
8 Golf Club Dr, Key West
$849,000
3 Beds ⋅ 3 Baths ⋅ 621697 MLS
Beautifully renovated 3-bedroom, 2.5-bath townhome offering a perfect blend of style, comfort, and outdoor living. The stunning chef's kitchen features custom wood cabinetry, quartz waterfall countertops, and a premium KitchenAid appliance package. Additional interior upgrades include a new central A/C system, wood flooring throughout, two completely renovated upstairs bathrooms, and the addition of a convenient half bath on the main level. Enjoy indoor-outdoor living with screened porches, weather- and UV-protective vinyl blinds on the rear deck, and an expanded backyard patio finished with flagstone pavers. The professionally designed tropical landscape, created by a landscape architect, includes irrigation, landscape lighting, and beautiful stone walkways that transform the entire property into a private island oasis. Additional improvements include impact-resistant windows, no-see-um screening, new gutters, hurricane shutters, and full screening and lattice around the base of the home. The under-house area has been enhanced with access panels, an insect and critter barrier, and additional storage space. Meticulously maintained and thoughtfully upgraded, this exceptional property offers quality craftsmanship and attention to detail at every turn. Every improvement has been carefully considered, creating a move-in-ready home that is as functional as it is beautiful. Please visit KWGCHOA.com for detailed community association information.

8 Golf Club Dr, Key West
5607 College Rd Unit # B302, Key West
$1,375,000
2 Beds ⋅ 2 Baths ⋅ 621674 MLS
Experience waterfront living at its finest in this rare top-floor residence at Sunset Marina. Boasting breathtaking, unobstructed open-water views and spectacular year-round sunsets, this 2-bedroom, 2-bathroom condominium offers 1,171 square feet of thoughtfully designed living space. The spacious layout provides the perfect balance of comfort and functionality, featuring a generous living area, dedicated dining space, and well-appointed kitchen, along with two bedrooms ideal for accommodating family and guests. Boating enthusiasts will appreciate the full-service marina located just steps below, offering convenient access to everything needed for a day on the water. With direct access to the Gulf and a short boat ride to the Atlantic Ocean, this property is truly a boater's paradise. Sunset Marina is a gated, resort-style community offering a swimming pool, spa, and clubhouse. Additional conveniences include one covered parking space and private storage in the garage. Located just minutes from the heart of Key West and directly across from the island's only golf course, this exceptional residence combines waterfront tranquility with easy access to world-class dining, entertainment, and recreation. Whether you're searching for a full-time residence or an island getaway, this is a rare opportunity to enjoy the very best of the Key West lifestyle.

5607 College Rd Unit # B302, Key West
1901 S Roosevelt Blvd N Unit 208 N, Key West
$880,000
3 Beds ⋅ 2 Baths ⋅ 621608 MLS
Beach Living | 3-Bedroom End Unit | Salt Pond Views | Gated Community Cross the street to Smathers Beach, then come home to an open balcony over the salt ponds. This second-floor end unit at La Brisa North adds privacy and offers a rare 3 bedroom & 2 bathroom floor-plan. 1,384 sqft, impact sliders, newer kitchen appliances, an in-unit washer and dryer, and tile floors throughout. Dedicated covered parking space with a storage closet in the carport. The HOA dues cover building insurances, a newly resurfaced pool (open 24 hours), hot tub, dry saunas, tennis and pickleball courts, an EV charging station, and car wash station. All assessments are paid in full. Pets and rentals allowed with restrictions.

1901 S Roosevelt Blvd N Unit 208 N, Key West
3728 Flagler Ave, Key West
$3,700,000
5 Beds ⋅ 5 Baths ⋅ 621515 MLS
This home has everything you need to enjoy the Key West lifestyle! With approximately 2,800 sq. ft. of living space and a 6-foot privacy fence surrounding the large property, there's plenty of room to entertain both inside and out. The kitchen features Sub-Zero and KitchenAid appliances and flows right into the main living area, making it perfect for everyday living and entertaining. The home also offers a full laundry room plus a bonus mudroom for extra storage and convenience. Outside is where this home really shines! Enjoy a covered deck area, large heated pool, and boating canal with a 30,000-lb. boat lift and ice machine. You're just minutes from the channel--no idling 1-2 miles down the canal like with many other homes. There's also covered parking and a garage with plenty of room to store all your toys. Best of all, this home is being sold turnkey and even includes a golf cart! Come see what sets this home apart from anything else on the market!

3728 Flagler Ave, Key West
1221 Ashby St, Key West
$1,399,000
3 Beds ⋅ 3 Baths ⋅ 621518 MLS
Situated on a spacious corner lot in desirable Midtown West, 1221 Ashby Street offers the perfect blend of comfort, privacy, and island living. The main residence features 2 bedrooms, 2 bathrooms, and inviting living spaces, while a separate 1-bedroom, 1-bathroom poolside cottage provides additional flexibility for guests or extended family. Together, the two structures offer 1,374 square feet of living space. The oversized outdoor area is designed for enjoying the Key West lifestyle, featuring a large swimming pool, spacious decking, lounge chairs, umbrellas, and an outdoor dining area ideal for entertaining. Covered off-street parking adds convenience to this property's many desirable features. Recently updated and ready for its next owner, this property offers a fantastic opportunity to enjoy island living just minutes from Key West's famous restaurants, bars, and attractions.

1221 Ashby St, Key West
2911 Seidenberg Ave, Key West
$1,100,000
3 Beds ⋅ 2 Baths ⋅ 621482 MLS
Welcome to your dream home in the heart of Key West's MidTown! This beautifully updated 3-bedroom, 2-bathroom residence blends modern comfort with island charm. Step inside to a spacious, open-concept living area designed for both relaxing and entertaining. The true highlight is the private backyard oasis -- featuring a sparkling pool surrounded by fresh tropical landscaping, an expansive deck, and plenty of room for outdoor dining and lounging. Whether hosting guests or enjoying a quiet evening under the palms, this outdoor retreat feels like your own private paradise. Recent renovations provide peace of mind, including new impact windows and doors, Hardie board siding, and other thoughtful upgrades. Off-street parking adds everyday convenience. Perfectly located in the desirable MidTown neighborhood, this home keeps you close to shopping, dining, and all the best of Key West living. Don't miss this opportunity to own a beautifully updated slice of paradise in Key West -- schedule your private showing today!

2911 Seidenberg Ave, Key West
2506 Seidenberg Ave, Key West
$799,000
3 Beds ⋅ 3 Baths ⋅ 621467 MLS
Welcome to 2506 Seidenberg Avenue, a spacious 3-bedroom, 3-bath home offering 1,922 square feet of living space in the heart of Midtown Key West. Framed by tropical landscaping and a classic white picket fence, this home offers plenty of space and a flexible layout for comfortable island living. The main living area flows into a large eat-in kitchen featuring abundant cabinetry, stainless steel appliances, generous counter space, and plenty of room for dining and entertaining. Three bedrooms and three full baths provide ample accommodations, while additional living space at the rear of the property offers added flexibility for guests, a home office, den, or private retreat. A garage provides valuable parking and storage. Centrally located just minutes from Old Town, beaches, shopping, dining, and all that Key West has to offer. With nearly 2,000 square feet, versatile additional living space, a garage, and a convenient Midtown location, 2506 Seidenberg Avenue presents a unique opportunity to make a Key West home your own. Owner financing may be available.

2506 Seidenberg Ave, Key West
1614 Washington St, Key West
$4,300,000
4 Beds ⋅ 5 Baths ⋅ 621463 MLS
There is a certain rhythm to life in Key West. Mornings begin outside, friends have a way of staying longer than planned, and some of the best evenings never make it past the backyard. 1614 Washington Street was designed for exactly that kind of life. Natural light, high ceilings, and an easy connection to the outdoors give the home an immediate sense of openness. The main living spaces flow naturally toward the pool and tropical garden, creating a setting that works just as well for a quiet morning at home as it does for dinner with friends that stretches late into the evening. The heated and chilled pool features two distinct levels--a shallow splash deck and a deeper swimming area--connected by cascading water features and surrounded by mature tropical landscaping that feels remarkably private. The floor plan understands that guests are part of island life, but privacy still matters. The first-floor primary suite creates a comfortable retreat for the owners, while upstairs, three en-suite bedrooms surround their own den and lounge. Family and friends can settle in, unpack, and have a space of their own rather than simply occupying yours. Behind that relaxed lifestyle is a house designed to make living here easier. Award-winning local architect Matthew Stratton brought together solid masonry construction, impact-rated windows and doors, solar power with Tesla battery storage, an EV charger, custom cabinetry, quartz surfaces, and thoughtful systems chosen for the realities of coastal living. The technology is there when you need it and nearly invisible when you don't. Morning walks, bike rides, the beach, neighborhood restaurants, galleries, and everything that makes Key West unlike anywhere else are simply part of the day. 1614 Washington invites you to open the doors, gather the people you love, jump in the pool, stay for dinner, and make yourself at home. Because ultimately, the best luxury isn't about having more. It's having a home that lets you live well.

1614 Washington St, Key West
Start Your Search

How much is your home worth?

Get instant property value now!