Tavernier Homes with FHA Finance Terms

Tavernier Homes with FHA Finance Terms

Welcome to Tavernier, Florida – a hidden gem nestled in the heart of the Florida Keys, located in Monroe County. This picturesque community is known for its stunning waterfront views, vibrant marine life, and a laid-back lifestyle that invites you to unwind and enjoy the beauty of nature. With a tropical climate and a close-knit community, Tavernier offers a unique blend of small-town charm and modern conveniences, making it an ideal place to call home.

Tavernier boasts a variety of outdoor activities, from world-class fishing and snorkeling in the crystal-clear waters to exploring the nearby John Pennekamp Coral Reef State Park, the first underwater park in the United States. The local dining scene is equally enticing, featuring fresh seafood restaurants and cozy cafes that capture the essence of island living.

For those considering making Tavernier their home, there are a range of properties available, including beautiful single-family homes and charming townhouses. Many of these homes are eligible for FHA financing, making it easier for first-time buyers and those looking to invest in their slice of paradise. FHA loans offer lower down payment options and more flexible credit requirements, making homeownership in Tavernier more attainable than ever.

Whether you are seeking a peaceful retreat, an adventure-filled lifestyle, or a smart investment opportunity, Tavernier has something for everyone. Embrace the Keys lifestyle and discover your dream home in this idyllic community, where every day feels like a vacation.

Newest Tavernier Homes with FHA Finance Terms

$699,000
3 Beds ⋅ 2 Baths ⋅ 621202 MLS
Seller Financing possible, call for terms. Solid CBS construction in the heart of historic Tavernier. Built in 2018, this well-maintained 3-bedroom, 2-bath home offers quality construction, a functional layout, and easy Florida Keys living. Features include all-concrete CBS construction with a solid concrete roof, polished concrete floors, high vaulted ceilings, fresh interior paint, generous natural light, and double closets for added storage. The spacious kitchen offers a pantry, ample cabinetry, and bar-top seating that opens comfortably to the main living area. Enjoy the rear porch and refreshing ocean breezes in a quiet neighborhood filled with classic Keys character. Conveniently located near local parks, gyms, restaurants, shopping, and everyday amenities, with easy access throughout the Upper Keys. Move-in ready and equally well suited as a full-time residence, second home, or Florida Keys retreat.

129 Tavern Dr, Tavernier
$739,000
2 Beds ⋅ 2 Baths ⋅ 621182 MLS
CBS home on a large lot in Islamorada's desirable Edenaire! This concrete 2 bedroom, 2 bath house has a metal roof, impact windows and doors, and is in an X flood zone. Highly sought after Edenaire subdivision offers voluntary membership to one of the best homeowners parks in Islamorada offering a private boat ramp & 72 hour dockage for your boat! Easy, direct access to either Florida Bay or the Atlantic Ocean via Tavernier Creek. This solid home has lots of recent upgrades including all new interior doors, fresh interior paint, and landscaping. The kitchen has granite countertops and wood cabinets, a stainless range hood over the island, and the fridge is brand new never used. The fully fenced yard offers plenty of space out back for entertaining, swing sets, or a pool! There's also a roomy shed for convenient storage. The paver driveway leads directly up to this ground level home with plenty of parking in the front for your boat and trailer. This is a fantastic opportunity to live in Plantation Key as a full time residence or a weekend getaway! Just minutes away from tons of popular Islamorada shopping, restaurants, and schools. Island life awaits!

124 Coral Ave, Tavernier
$799,000
4 Beds ⋅ 2 Baths ⋅ 621042 MLS
Discover an excellent investment opportunity in the Florida Keys! This income-producing duplex features two separate 2-bedroom, 1-bath units, offering flexibility for investors, multi-generational living, or an owner-occupant looking to live in one side while generating rental income from the other. Each unit provides comfortable living space and the potential for steady rental income in a highly desirable Keys location. An additional lot is also available for purchase, providing even more opportunity for future investment or expansion, subject to applicable zoning and approvals. Conveniently located close to shopping, the hospital, schools, and everyday amenities, while offering the relaxed Florida Keys lifestyle. The property is approximately one hour from the mainland, making it an attractive option for both full-time residents and those seeking an investment property in the Keys. Whether you're looking to expand your real estate portfolio, house-hack by living in one unit and renting the other, or take advantage of the additional lot opportunity, this property is worth a look!

159 Casa Court Dr Unit A/B, Tavernier
$880,000
4 Beds ⋅ 2 Baths ⋅ 620967 MLS
Live in one unit and rent the other or enjoy the flexibility of this bright and versatile duplex . Featuring two separate 2-bedroom, 1-bath units, this elevated property offers a comfortable layout, abundant natural light, and a peaceful setting surrounded by nature. The property features a durable metal roof, has been recently painted, and offers ample covered parking with plenty of space for an RV and boats. The spacious outdoor area provides room to create your own private oasis and potentially add a pool. A wonderful opportunity to live, invest, or generate rental income in the Florida Keys!

187 & 189 Casa Court Dr, Tavernier
$1,100,000
4 Beds ⋅ 3 Baths ⋅ 620860 MLS
Welcome to this stunning elevated Coastal 3/2 + 1/1 Pool home in the heart of Key Largo, where modern design meets the relaxed Florida Keys lifestyle. Recently Built with quality and style in mind, this beautifully appointed residence features an open-concept floor plan, soaring ceilings, abundant natural light, impact windows and doors, and elegant wood-look tile flooring throughout. The spacious kitchen is designed for both everyday living and entertaining, offering quartz countertops, stainless steel appliances, custom cabinetry, and a large center island overlooking the living and dining areas. The primary suite provides a peaceful retreat with a spa-inspired ensuite bath featuring a frameless glass shower and designer finishes. Additional bedrooms offer comfortable accommodations for family and guests with an Additional separate Room and Bathroom Downstairs for Guests to enjoy. Outdoor living is where this home truly shines. Enjoy your private backyard oasis complete with a sparkling pool, covered patio with ample seating, mounted TV, tropical landscaping, and maintenance-free artificial turf. The oversized covered lower level provides generous parking, storage, and additional entertaining space, while the expansive upper balcony is the perfect place to enjoy your morning coffee or evening breeze. Ideally located near world-class boating, fishing, diving, waterfront restaurants, parks, shopping, and everything that makes Key Largo one of the most sought-after destinations in the Florida Keys. Whether you're looking for a full-time residence, vacation getaway, or investment opportunity, this exceptional property offers the perfect combination of luxury, comfort, and island living. Don't miss the opportunity to have your piece of paradise in Key Largo!

241 Hispanola Rd, Tavernier
$1,675,000
3 Beds ⋅ 2 Baths ⋅ 620789 MLS
South Florida Luxury Waterfront Living at an Exceptional Value Experience the best of South Florida waterfront living in this stunning custom home, perfectly situated in a peaceful neighborhood with direct Atlantic Ocean access. Located directly across from Rodríguez Key and just minutes from Mosquito Bank and the world-famous Molasses Reef, this property is a dream come true for boating, fishing, diving, and snorkeling enthusiasts. Built in 2011, this elevated Florida Keys-style home was designed for both beauty and peace of mind. Constructed on concrete piles with a durable metal roof, impact-resistant windows and doors, and modern engineering, it offers outstanding storm protection and potential insurance savings. Inside, you'll find an open-concept floor plan filled with natural light. Rich wood cabinetry and custom millwork throughout the home provide warmth, elegance, and lasting durability. The chef's kitchen features top-of-the-line appliances, premium finishes, and generous workspace, while the beautifully appointed bathrooms showcase high-quality materials and timeless design. The outdoor living spaces are equally impressive. Enjoy a spacious lot that's perfect for entertaining family and friends, along with a large storage room beneath the home. The property offers 70 feet of protected seawall and a 50-foot concrete dock finished with a brand-new waterproof engendered wood deck. A newly nstalled 15,000-pound boat lift makes launching and storing your vessel effortless. The seawall is protected with aluminum caps and rubber fenders to help preserve your investment. The hard work has already been done for your future backyard oasis--approved permits and plans are in place for the construction of a private swimming pool, providing the perfect place to relax after a day on the water. Additional features include a covered carport, an oversized driveway with plenty of room for vehicles, boats, and recreational toys, Come and experience it f

123 Peace Ave, Tavernier
$6,000,000
4 Beds ⋅ 6 Baths ⋅ 620708 MLS
Coastal Luxury. Endless Lifestyle. A rare opportunity to own an extraordinary Plantation Key waterfront estate where captivating ocean views, 140 feet of protected dockage, direct Atlantic access, and exceptional craftsmanship come together in perfect harmony. Privately tucked away on a quiet cul-de-sac, this stunning coastal residence was thoughtfully designed for those who appreciate effortless luxury both on and off the water. Filled with natural light, the open-concept floor plan showcases soaring ceilings, walls of glass, and seamless indoor-outdoor living that frames beautiful water views throughout the home. At the heart of the residence, the gourmet chef's kitchen is beautifully appointed with premium appliances, including dual ovens, two dishwashers, generous preparation space, and an oversized island that effortlessly connects the living and dining areas, creating the perfect setting for entertaining family and friends. Step outside to an expansive covered terrace complete with a built-in barbecue, outdoor refrigerator, and multiple gathering spaces overlooking the resort-style saltwater pool and spa, lush tropical landscaping, and tranquil waterfront. Whether hosting sunset cocktails or enjoying a quiet morning coffee, every space has been designed to embrace the relaxed elegance of the Florida Keys. The thoughtfully designed floor plan offers four spacious bedrooms, four full baths, two half baths, a private elevator, and a luxurious primary suite featuring separate his-and-her walk-in closets. A spacious secondary living area, currently enjoyed as a waterfront fitness studio, offers endless possibilities as a media room, family room, home office, or guest retreat. For boating enthusiasts, this property is truly exceptional. Boasting 140 feet of protected dockage, a boat lift, five garages with direct canal-side access, and quick, easy access to the Atlantic Ocean, it is perfectly suited for everything from offshore fishing adventures to leisurely days on the water. Surrounded by beautifully established tropical gardens with irrigation and meticulously maintained grounds, this remarkable waterfront estate offers the perfect balance of privacy, sophistication, and relaxed coastal living

202 Plantation Shores Dr, Tavernier
$1,049,500
3 Beds ⋅ 2 Baths ⋅ 620610 MLS
Gorgeous 3 bedroom 2 bathroom home on a spacious corner lot, with plenty of room for boats and RVs. Updated and remodeled bathrooms, open concept kitchen, laundry room and stainless steel appliances . This property is situated in one of the highest elevations in the area, Property is surrounded by beautiful mature trees and it has an in-ground heated pool, lots of space to enjoy the open air, just a block away from the community park and boat ramp. Enjoy ramp access for boat launching, fishing, kayaking or to just take in a spectacular sunset on the water! You can either walk, bike, or take a ride on a golf cart to the park/ramp area. You also have nearby, Founder's Park, with excellent recreation, boat ramp access, public beach, a huge pool as well as several local festivals throughout the year, FREE for local residents. Property features a VOLUNTARY HOA, $250 annually. Seller offering $10K in contributions towards buyer's closing costs!

157 Navajo St, Tavernier
$3,750,000
4 Beds ⋅ 5 Baths ⋅ 620543 MLS
Experience the ultimate Florida Keys waterfront lifestyle in this exceptional BayFront retreat located in the prestigious Sunshine Estates community on Plantation Key. Situated on a private 12,565 sq. ft. lot with 100 feet of pristine bay frontage and 50 feet of deep-water dockage, this contemporary CBS home offers breathtaking open bay views and quick ocean access via Tavernier Creek. Thoughtfully designed in a distinctive V-shaped layout to maximize privacy and showcase water views from nearly every room, the home features 4 bedrooms and 4 bathrooms, including 3 en-suite bedrooms. The spacious open-concept living area boasts soaring vaulted ceilings with exposed wood beams, recessed lighting, rich oakwood flooring, and elegant marble finishes throughout the bedrooms and bathrooms. Built-in shelving adds both style and functionality, while the oversized laundry room and pantry include a convenient dumbwaiter. The ground level is designed for entertaining, offering parking for up to four vehicles, a spacious recreation room, cabana bath, and summer kitchen that seamlessly blend indoor and outdoor living. Enjoy world-class boating, fishing, lobstering, paddleboarding, and water sports right from your backyard. Ideally located just minutes from restaurants, shopping, and schools, this home is approximately 40 minutes from the Florida Turnpike and perfectly positioned at Mile Marker 91. Whether you're seeking a full-time residence or a luxury Keys getaway, this remarkable waterfront property delivers the best of island living.

154 Redwing Rd, Tavernier
$2,899,000
4 Beds ⋅ 4 Baths ⋅ 620278 MLS
Exceptional investment and lifestyle opportunity in the heart of Plantation Key. This offering includes a triplex income property together with the adjacent multifamily lot, giving you both immediate rental income and room to grow. In the Village of Islamorada, it is rare to find side-by-side multifamily parcels in such a convenient, desirable Upper Keys neighborhood. 127 Monroe Drive is a concrete triplex of roughly 2,400 sq ft on a 7,500 sq ft lot, with 3 rental units (1/1, 1/1, 2/2), full kitchens and baths, abundant on-site parking, and comfortable outdoor living areas. Units 1 and 3 were renovated with fresh finishes and updated interiors that attract solid tenants and keep maintenance in check. In 2025, the dock electric was upgraded with a dedicated meter for the dock power, one on each property. Next door, 121 Monroe Drive is an additional multifamily parcel of about 7,500 sq ft, now vacant and ready for your next phase of development. Consider adding more units, a pool, covered parking with storage, or enhanced outdoor spaces to create a cohesive compound and boost rental revenue. Multifamily waterfront land in Islamorada is limited, and demand for quality rentals remains strong. With recent upgrades already completed and easy access to the mainland, this combined offering is a great opportunity for investors, 1031 buyers, or owner-operators who want a flexible Keys property with income today and room for future build-out and long-term appreciation. Free access to Founders Park, with sandy beach, swimming pool, boat ramp, playground, tennis, pickleball, walking paths, sports fields, dog park and daily fun activities and regular events.

127 & 121 Monroe Dr Unit 1-3, Tavernier
$769,000
4 Beds ⋅ 2 Baths ⋅ 619775 MLS
Located in the heart of Tavernier, ideally situated between Key Largo and Islamorada, this well appointed four bedroom, two bath home offers a blend of comfort, functionality, and relaxed outdoor living. The spacious downstairs garage and storage area present exceptional flexibility, ideal for multiple uses from hobby space to additional storage for boating and recreational gear. The fully fenced backyard, finished with low maintenance synthetic turf, creates a private setting with ample room to entertain or unwind, and space to add a pool if desired. The outdoor accommodations are elevated further with a fully equipped kitchen featuring a grill, refrigerator, sink, smoker space, and integrated sound system. Upstairs, a screened patio overlooks the backyard and opens to a serene nature preserve, offering a peaceful, private backdrop. Inside, the home features high end stainless steel appliances, a propane stove, and a thoughtful list of recent upgrades, including renovated bathrooms with new plumbing, new interior paint, a newer AC system, and a tankless water heater. A new washer and dryer add everyday convenience. Additional highlights include a 220-volt outlet and water access outside the garage, ideal for an ice machine or further customization. With additional covered parking for a boat trailer or RV on the side of the home, this property offers a practical yet elevated lifestyle in a prime Upper Keys location.

112 Peace Ave, Tavernier
$2,000,000
4 Beds ⋅ 3 Baths ⋅ 619741 MLS
Tavernier Dream Home, Direct Ocean Access and views!! Live where every day feels like a vacation. Welcome to your slice of paradise in Tavernier -- a stunning waterfront home designed for boat lovers, ocean dreamers, and fishing enthusiasts. Property Highlights: - 2 story, 4 Bedrooms, 3 Bathrooms. - Direct Ocean Access. - 2 Private Balconies with breathtaking water views. - 25,000 pound Boat Lift - ready for your next adventure. - Dedicated Fishing Room, perfect for all your gear. - Spacious layout ideal for entertaining or relaxing. -Rental income-split level design rent one floor while you enjoy the other. Imagine waking up to ocean breezes, stepping onto your balcony with coffee in hand, and heading out on your boat within minutes. This is the Florida Keys lifestyle at its finest.

225 Normandy Dr Unit N/A, Tavernier
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