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

$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
$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
$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
$750,000
2 Beds ⋅ 2 Baths ⋅ 621130 MLS
Positioned in the coveted X flood zone, this 2-bedroom, 2-bathroom townhome perfectly blends Old Town charm with modern convenience. As one of only two units in an exclusive boutique setting, it provides exceptional privacy just steps from local wellness hubs, neighborhood cafes, and historic sites. The efficient galley kitchen is outfitted with granite countertops and stainless-steel appliances, while the primary suite serves as a tribute to island heritage with historic Dade County Pine. Outdoor living is seamlessly integrated with a classic front porch for morning coffee and a fully fenced rear deck designed for private, starlit dinners. Complete with a transferable A/C warranty, and the flexibility of a primary home or monthly rental, this residence offers an effortless Key West lifestyle.

1004 Watson St Unit 2, Key West
$799,000
2 Beds ⋅ 2 Baths ⋅ 621112 MLS
Welcome to 1422 Catherine Street in The Heart of Key West. Two structures with a total of two (2) bedrooms and two (2) bathrooms. The front structure is a one (1) bedroom and one (1) bathroom and the back structure is also a one (1) bedroom and one (1) bathroom. The front structure has just recently gone through a major improvement, totally redone foundation with concrete, new floors and totally updated. Outdoors is a perfect courtyard for dining under the stars or just hanging out and solving all the world's problems. There are also washer and dryer hook ups and an outdoor shower. This home is perfect for full time residents, second home or a great rental property. Call today for your private showing!

1422 Catherine St, Key West
$900,000
2 Beds ⋅ 2 Baths ⋅ 621028 MLS
Centrally located and well-built, this spacious Key West townhome offers generous off-street parking with plenty of room for golf carts, an RV and guests. Inside, you'll find spacious bedrooms, ample storage and plenty of square footage for comfortable living. Enjoy a private outdoor area with endless possibilities for relaxing, entertaining or creating your own tropical retreat. Conveniently located near Old Town Key West, marinas, shopping, dining and all that Key West has to offer. This Home has no HOA Fees and enough space to store a boat and trailer. The Square Footage , Location and Price make it an Excellent Value!

2012 Roosevelt Dr, Key West
$1,500,000
4 Beds ⋅ 3 Baths ⋅ 620988 MLS
Located within the private Sanctuary enclave of the Key West Golf Club, this 4-bedroom, 3-bath residence offers rare privacy, coveted west-facing sunset exposure, and direct frontage along the 18th hole of the Rees Jones-designed course, all within the City of Key West. With approximately only 10 homes in the entire Key West Golf Club community offering 1,800 square feet or more of living space, opportunities at this size are exceptionally limited and rarely come to market. Inside, new tile flooring runs throughout, complementing a bright, open floor plan designed for effortless everyday living and relaxed entertaining. Expansive living and dining areas are filled with natural light and transition seamlessly to the outdoor space, where a private pool overlooks manicured fairways and wide-open skies. The setting is tailor-made for sunset gatherings, evening swims, or simply unwinding as the sun drops over the course. The well-appointed kitchen remains connected to the main living areas, creating a functional and social heart of the home. Generously sized bedrooms provide flexibility for guests, family, or a dedicated home office. Upstairs, a private balcony captures elevated golf course views and dramatic western skies, offering a peaceful retreat that feels distinctly removed from the everyday. The double-gated Sanctuary adds an extra layer of privacy and security, while residents enjoy access to two community pools and a fitness center. The golf clubhouse is just a short walk away. Nearby dining and daily conveniences allow you to enjoy the island lifestyle without always heading downtown, while Old Town Key West remains just minutes away. Approximately 15 minutes from the historic district, this property delivers a rare balance of tranquil gated living and easy access to beaches, boating, dining, and the vibrant energy that defines Key West. A sunset-facing golf course residence of this size, in this setting doesn't come around often!

193 Golf Club Dr, Key West
$549,000
2 Beds ⋅ 2 Baths ⋅ 620955 MLS
NEW LISTING!!! This Key West estate townhome is ready for you to move in! This well-maintained, owner-occupied home is bright and features two bedrooms, centrally located in town. The updated kitchen boasts granite countertops, a tile backsplash, ample cabinet space, a breakfast bar, and a dining area. A convenient half bath is located on the main level, along with full-size laundry. The spacious second floor includes two large bedrooms with generous closets, bamboo flooring, and balcony access. There is a modern full bath on the second floor and a linen closet in the hallway. Additional features include impact-rated doors and windows, ductless AC units on the bedroom level, a storage shed, and more. Enjoy a large fenced yard perfect for entertaining and pets with room for gardens. Best of all, there are no HOA fees!

3207 Eagle Ave, Key West
$649,000
2 Beds ⋅ 2 Baths ⋅ 620917 MLS
Beautiful ''Bungalow'' style townhome in the highly sought after Key West Golf Club. Professionally landscaped yard and new paver walkway with landscape lighting and irrigation system invites you into this fully furnished 2 bedroom and 1.5 bath home with quartz countertops, stainless appliances and brand new 2026 central A/C. Relax on the screened in porch over looking the fairway of the Rees-Jones designed 18 hole Golf Course. KWGC community includes 2 heated swimming pools, fitness center, butterfly gardens and 24 hour gated security.

30 Kingfisher Ln, Key West
$849,900
2 Beds ⋅ 2 Baths ⋅ 620877 MLS
Coastal Living at Its Finest - 2-Bedroom Condo at La Brisa ! Wake up to ocean breezes in this beautifully appointed 2-bedroom, 2-bathroom condo located just steps from Smathers beach. Situated directly across the street from the shoreline, this bright and airy residence offers the perfect blend of comfort, convenience, and coastal charm. Inside, you'll find a spacious open-concept living and dining area filled with natural light, a modern kitchen , and two generously sized bedrooms with ample closet space. The primary suite features a private en-suite bathroom, while the second bedroom is ideal for guests or a home office. Relax on your private balcony with peaceful Salt Pond views, or take a short stroll across the street to sink your toes in the sand. This condo also offers amenities such as assigned parking, in-unit laundry, and access to a community pool, tennis courts and clubhouse. Perfect as a primary residence, weekend retreat, or investment property--this is beachside living made easy! Call for your private tour today !

1901 S Roosevelt Blvd Unit 104N, Key West
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