Saddle Bunch Homes with FHA Finance Terms

Saddle Bunch Homes with FHA Finance Terms

Welcome to Saddle Bunch, a hidden gem nestled in the heart of Monroe County, Florida! Known for its serene surroundings and stunning waterfront views, Saddle Bunch offers a unique blend of tranquility and access to the vibrant lifestyle that the Florida Keys are famous for. With its close-knit community and lush landscapes, this area is perfect for those seeking a peaceful retreat while still being just a stone's throw away from the excitement of nearby attractions.

Saddle Bunch is characterized by its picturesque homes, many of which are designed to maximize the breathtaking views of the surrounding waters. The architecture reflects a charming coastal style, making it an inviting place for families, retirees, and anyone looking to embrace the laid-back Florida lifestyle. The community is also known for its friendly atmosphere, where neighbors become friends and everyone enjoys the beauty of outdoor living.

For prospective buyers, Saddle Bunch offers appealing financing options, including homes that qualify for FHA finance terms. This means that first-time homebuyers or those looking to invest in a second home can take advantage of lower down payment requirements and more flexible credit criteria. With FHA financing available, your dream of owning a piece of paradise in Saddle Bunch is more attainable than ever.

Whether you're drawn to the area's natural beauty, its strong sense of community, or the financial advantages of FHA financing, Saddle Bunch is the perfect place to call home. Explore the possibilities today and discover why so many are choosing to make this enchanting location their forever home!

Newest Saddle Bunch Homes with FHA Finance Terms

$1,250,000
3 Beds ⋅ 2 Baths ⋅ 621217 MLS
Your Slice of Paradise -- 12 Miles from Key West Tucked at the end of a quiet cul-de-sac, this beautifully appointed 2020-built home puts you one house in from open water -- with all the Keys lifestyle and none of the wave slap. Just a short boat ride to open water via a flow-through canal (no seaweed here!), this island retreat is where salt air meets easy living. Step inside to a bright, open-concept living, kitchen, and dining space made for entertaining- a gas range for the chef- and a screened porch where your morning coffee comes with ocean views and your evenings come with island breezes. Three bedrooms, two baths, and thoughtful finishes throughout make this home as comfortable as it is charming. Outside is where this property truly shines. Unwind under your own tiki hut, take a dip in the pool, or load up the boat at your private lift and floating dock -- perfect for kayaks, paddleboards, and all your water toys. Beneath the home you'll find generous storage plus covered parking for cars, boat trailers and other vehicles, ideal for Keys living and all your gear. Mature fruit trees dot the property, adding to that true tropical, island-grown feel. Whether you're searching for a full-time slice of paradise or the ultimate weekend escape, this flow-through canal home offers boating access, privacy, and island charm just minutes from all the dining, sunsets, and live music Key West has to offer. Come see why life is better on island time.

99 Palm Dr, Saddle Bunch
$972,000
3 Beds ⋅ 1 Baths ⋅ 621164 MLS
Tucked along a wide, deep canal, this concrete 3 bedroom, 1 bath home offers a thoughtfully designed split floor plan that creates privacy and flexibility rarely found in a home of this size. The primary suite occupies its own side of the home, while the guest quarters are positioned on the opposite side--ideal for visiting family and friends, a home office, or simply having separate spaces to retreat and unwind. At the heart of the home, the living and kitchen areas bring everyone together with classic Conch island style and thoughtful updates, including new kitchen appliances, a remodeled bathroom, and efficient ductless mini-splits. Outside, the property feels like a private tropical retreat. Two mango trees, key lime, lemon, and starfruit trees mingle with palms and tropical flowers, creating a lush backdrop for slow mornings and easy entertaining. Relax on the sandy beach with lounge chairs, unwind in the jetted swim spa, rinse off in the outdoor shower with full bath, or enjoy the screened porch after a day on the water. For boaters, the waterfront setup is exceptional. The 50-foot-wide canal offers 3+ feet of control depth, complemented by a 75-foot concrete seawall, fish-cleaning station, and rare grandfathered private boat ramp--a feature increasingly difficult to find in the Keys. There's also abundant parking for large boat trailers, multiple vehicles, or a guest RV, plus a 30-amp RV hookup and wired for a whole house generator. Practical improvements include a newer roof, new 100-amp electrical service panel and mast, and mostly impact windows with shutters for the remainder, rounded out by a 14 foot sliding chainlink. Whether you're looking for a full-time island home or weekend escape, this property brings together privacy, boating access, generous parking, outdoor living, and tropical character in this truly special slice of the Florida Keys. Local favorite Baby's Coffee, a neighborhood park, and tennis/pickleball courts are just steps

12 Bay Dr, Saddle Bunch
$1,129,000
2 Beds ⋅ 2 Baths ⋅ 621131 MLS
Oceanfront views, a private concrete dock, and turnkey renovations just 15 minutes from Key West. This elevated 2-bedroom, 2-bath home in the Saddlebunch Keys offers the Lower Keys waterfront lifestyle buyers search for, with open-water views, direct boating access, and room to enjoy the outdoors year-round. Inside, the renovated home features an open layout, vaulted ceilings, and a kitchen with quartz countertops, stainless-steel appliances, and a waterfall island. Sliding doors open to the waterfront balcony, creating an easy connection between the main living area and the views beyond. Downstairs, covered outdoor space leads directly to the private concrete dock and seawall--ideal for boating, fishing, paddleboarding, kayaking, or simply taking in the water. Covered parking and storage beneath the home add everyday convenience. Located near Bay Point Park, Baby's Coffee, and a neighborhood boat ramp, this property offers a rare opportunity to own an updated oceanfront home with private dockage and convenient access to Key West.

24 Beach Dr, Saddle Bunch
$1,050,000
3 Beds ⋅ 2 Baths ⋅ 621018 MLS
This is a single family detached, turn key home on the open water facing Sugarloaf Key. Featuring 3 bedrooms, 2 bathrooms, granite countertops, upgraded porcelain plank tile floor, solid wood cabinets, hardiboard siding, low maintenance yard, tankless water heater, energy efficient appliances and AC, large master suite, and a nice deck overlooking the bay. Full concrete slab under the home with a legal 299sqft downstairs enclosure with glass french doors opening up to the beach. Features two full car garage with louvers on both sides and you could potentially add a garage door on the front (buyer to verify). Built to the latest building code to withstand 180+ mph winds and elevated 7' above base flood elevation for best insurance rates possible. Includes orange, lemon and banana trees, sandy beach and fantastic boating access to Gulf and Atlantic waters. The Bay Point neighborhood features a community park with tennis, basketball, and green space and is located directly across the street from the house. Assumable flood policy available. Additional photos and drone footage coming soon! HOA is only $65 annually split between the neighbor due to a small shared area between two homes at the time of the original build for the county required set backs.

17 E Circle Dr Unit A, Saddle Bunch
$450,000
2 Beds ⋅ 2 Baths ⋅ 619836 MLS
Affordable Living in the Florida Keys Has Arrived! Welcome to this charming 2-bedroom, 2-bathroom home offering comfortable living space, an open-concept layout, and inviting outdoor areas perfect for dining, entertaining, or simply enjoying our beautiful Florida Keys lifestyle. Step inside to a bright and open living room and kitchen just off the front entry. Both bedrooms are privately situated toward the back of the home. The Primary bedroom includes direct access to the backyard area, an ensuite bathroom with walk-in shower, and plenty of closet/storage space. Qualified buyers may have the opportunity to assume the current mortgage, VA and FHA buyers this home is a must see. Additional highlights include ample parking, a great neighborhood, and a convenient location just minutes from Bay View Park, Baby's Coffee, the famous Sugar Shark Market, and NAS Key West on Boca Chica. Come see this home now, at this price, this one will not last long!!

4 Coral Dr, Saddle Bunch
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