Big Pine Key Homes with FHA Finance Terms

Big Pine Key Homes with FHA Finance Terms

Welcome to Big Pine Key, a hidden gem in the heart of the Florida Keys! Nestled in Monroe County, this picturesque island offers a unique blend of natural beauty, vibrant wildlife, and a laid-back lifestyle that is hard to resist. Known for its stunning sunsets, crystal-clear waters, and lush landscapes, Big Pine Key is a paradise for nature lovers and outdoor enthusiasts alike. With its proximity to the Florida Keys National Marine Sanctuary, residents enjoy unparalleled access to world-class fishing, snorkeling, and diving opportunities.

The community of Big Pine is not just about breathtaking views; it’s also a place where you can find your dream home. Many properties in this charming island town are eligible for FHA financing, making it easier for first-time homebuyers or those looking to invest in a slice of paradise. FHA loans offer lower down payment options and flexible credit requirements, allowing you to secure a home without the stress of traditional financing.

Imagine waking up every day in a cozy bungalow surrounded by swaying palm trees, with the ocean just a stone's throw away. Whether you’re looking for a quaint vacation retreat or a permanent residence, Big Pine Key has a diverse selection of homes that cater to various lifestyles and budgets. With the added benefit of FHA financing, your dream of island living is within reach.

Explore the enchanting charm of Big Pine Key, where every day feels like a vacation and the possibilities for adventure are endless. Your island paradise awaits!

Newest Big Pine Key Homes with FHA Finance Terms

30371 Warbler Ln, Big Pine
$780,000
2 Beds ⋅ 2 Baths ⋅ 621874 MLS
Enjoy easy island living in this completely renovated 2-bedroom, 2-bath, CBS canal-front home in Tropical Bay Estates. Inside, you'll find a functional layout, a modern kitchen with marble countertops, an attached garage, and a dedicated laundry room. Near the National Key Deer Refuge, the well-planned, tropical landscape provides a bit for privacy this special slice of paradise. Take a dip in the swim spa or gather with friends in the screened tiki-porch that's set up for entertaining. Permitted in 2020 and completed in 2021, the cantilevered concrete dock with boat davits and step-down dock provide the ideal launching point for a fun day on the water, or a peaceful paddle in your kayak. Impact-resistant windows and doors, metal roof, permitted kitchen upgrades, permitted second bath addition and more since 2018. Check out www.TropicalBayEstates.org for more information about this exceptional neighborhood.

30371 Warbler Ln, Big Pine
29160 Primrose Ln, Big Pine
$700,000
3 Beds ⋅ 2 Baths ⋅ 621867 MLS
Welcome to Your Private Slice of Paradise in Eden Pines! Nestled on a beautifully maintained, private 10,000-square-foot lot in the desirable Eden Pines neighborhood of Big Pine Key, this charming Florida Keys retreat offers the perfect blend of comfort, functionality, and island living. Thoughtfully designed with an inviting open-concept floor plan, this well-maintained home features beautifully updated bathrooms, spacious living areas, and an abundance of natural light. A garage provides exceptional storage for all your island essentials, while the expansive, fenced yard offers plenty of privacy and endless possibilities--including ample room to create your dream pool and outdoor oasis. Unwind on the spacious covered porch, the perfect setting for morning coffee, afternoon breezes, or simply enjoying the peaceful surroundings while the kids play in the yard. Boating enthusiasts will love the convenience of a community boat ramp just a two-minute walk away, making it easy to embrace everything the Florida Keys lifestyle has to offer. With the added advantage of low insurance costs, generous outdoor space, and a sought-after neighborhood setting, this property is an exceptional opportunity to enjoy the best of laid-back island living. Privacy, convenience, and the Florida Keys lifestyle--all in one beautiful place to call home!

29160 Primrose Ln, Big Pine
29324 Coconut Palm Dr, Big Pine
$709,000
3 Beds ⋅ 2 Baths ⋅ 621855 MLS
Enjoy relaxed Keys living at 29324 Coconut Palm Drive in Big Pine Key's Eden Pines neighborhood. Meticulously renovated in 2016 by its engineer/builder owner, this two-story home reflects thoughtful attention to detail throughout. Per the owner, the home sustained no structural damage during Hurricane Irma. The flexible layout includes two bedrooms and a bathroom downstairs, with a primary bedroom, bathroom, and separate office upstairs. Features include a metal roof, impact windows and doors, and tile and hardwood flooring throughout. Outdoor porch and deck areas offer space to unwind, while the expansive paved driveway provides ample parking for multiple vehicles. With room to spread out, work from home, and enjoy the outdoors, this property offers a comfortable full-time residence or Keys retreat. Listing agents are related to the owner/trustees.

29324 Coconut Palm Dr, Big Pine
31315 Ave B, Big Pine
$619,000
3 Beds ⋅ 2 Baths ⋅ 621796 MLS
Welcome to this elevated 3-bedroom, 2-bath home nestled in a quiet neighborhood in Big Pine Key. This well-maintained property features a BRAND-NEW 2026 ROOF, along with impact-rated windows and doors for added peace of mind and storm protection. The open-concept living and kitchen area creates an inviting space for everyday living and entertaining. All three bedrooms are generously sized, each featuring its own walk-in closet. Situated on a corner lot, the property offers ample parking for multiple vehicles, a boat, boat trailer, or other recreational toys. Conveniently located near shopping, dining, and a boat ramp, this home offers the perfect blend of comfort and convenience. Whether you're looking for a full-time residence or a solid investment opportunity, this property checks all the boxes.

31315 Ave B, Big Pine
29667 Flying Cloud Ave, Big Pine
$1,100,000
3 Beds ⋅ 2 Baths ⋅ 621780 MLS
Welcome to island living and a tropical lifestyle. Embrace your tropical vibes in this gently used, newer-built home ready for all your Florida Keys needs. This waterfront property is ideal for those looking for a blank slate; it's ready for your personal design and touches, inside and out, so you can create your own amazing island oasis. Ideal for entertaining, relaxing, creating fabulous memories, and sharing your paradise with friends and family. The living area opens to a stunning, spacious porch/patio, perfect for sunsets, sipping coffee or cocktails, and enjoying peaceful canal views. Your primary suite includes an ensuite bath, and two additional bedrooms provide guest rooms or a home office. Situated in Pine Channel Estates, this home offers 3 bedrooms, 2 baths, and everything you need for the ultimate destination. For the boating enthusiasts, you will appreciate the 75' concrete dock, which is ready for a boat lift and all of your water toys. You're minutes from boating access to both the Gulf and the Atlantic Ocean. Additional highlights include impact windows and spacious covered parking on the lower level, with room for extra storage for all your boating and fishing gear. Known for its boating and fishing, this location offers convenience and privacy. This home is centrally located between Key West and Marathon, with great dining, shopping, plenty of outdoor activities, and all the historical sights and scenes. Spend your days at your waterfront retreat or explore island hopping and sandbar BBQs; this home offers the chance to embrace laid-back island living at its best!

29667 Flying Cloud Ave, Big Pine
251 Pelican Ln, Big Pine
$739,900
2 Beds ⋅ 2 Baths ⋅ 621770 MLS
Discover the charm of Florida Keys waterfront living on two full lots in beautiful Big Pine Key! This well maintained concrete block home offers an inviting blend of comfort, privacy and exceptional outdoor space. The bright, open living and dining area features expansive windows overlooking the peaceful canal, while the cheerful white kitchen offers granite countertops and backsplash. Laminate flooring, two screened porches, including one off the primary suite, and two separate exterior stairways provide convenient access to the main living level adding to the home's comfort and convenience. Step outside to your own tropical retreat, where lush landscaping and an abundance of fruit trees, including mango, papaya, dragon fruit, grapefruit and bananas, create a beautiful island setting. Both lots feature extensive concrete dockage along a swimming canal, perfect for kayaking, paddleboarding or simply enjoying life by the water. Across the canal, government owned land provides a natural backdrop for watching tropical birds and Key deer. One of the property's most impressive features is the approximately 1,200 square foot completely enclosed lower level with open truss construction and no interior support columns, offering exceptional space for a garage, workshop or storage. The second lot provides additional room to enjoy today and exciting possibilities for future improvements, subject to applicable regulations and approvals. Impact windows and doors, a metal roof, wraparound decking, a spacious laundry room, generous parking and a fully fenced property complete this unique offering. Conveniently located near shopping, dining and recreation, with easy access to Marathon and Key West. Whether you're looking for a year round residence or an island getaway, this special property offers the space, waterfront amenities and tropical lifestyle you've been dreaming of!

251 Pelican Ln, Big Pine
29688 Forrestal Ave, Big Pine
$1,299,000
3 Beds ⋅ 2 Baths ⋅ 621755 MLS
Discover the Florida Keys lifestyle in this charming 3-bedroom, 2-bath canal-front home offering 1,928 sq. ft. of living space on an 8,000 sq. ft. lot in Big Pine Key. Situated on a quiet street with convenient boating access to both the Gulf and Atlantic Ocean, this property is ideal for those looking to enjoy life on the water. Boating enthusiasts will appreciate the 68' concrete dock with dual 5,500 lb. davits. Garden lovers will enjoy the fully fenced yard featuring lush tropical landscaping, paved pathways and a tranquil pond with a waterfall. Inside, beautiful real wood flooring flows throughout the home, bringing warmth and character to the inviting living spaces. The spacious Great Room features a wood-burning fireplace and French doors opening to a screened waterfront balcony, creating the perfect setting to relax and enjoy peaceful canal views. The Primary Suite offers a charming wood-plank ceiling, cedar-lined walk-in closet and ensuite Bath. Additional highlights include impact windows, an electric exterior elevator lift for added convenience, a covered carport and a spacious lower-level enclosure providing ample storage for fishing gear, boating equipment and more. Whether you're spending the day exploring the surrounding waters or unwinding on your screened porch, this inviting waterfront retreat offers an opportunity to embrace the laid-back Florida Keys lifestyle.

29688 Forrestal Ave, Big Pine
31107 Ave I, Big Pine
$695,000
3 Beds ⋅ 2 Baths ⋅ 621753 MLS
Bring your vision to this spacious corner-lot stilt home on Big Pine Key! Low Assumable mortgage for qualified buyers. Just a short stroll from Big Pine Key Community Park, this 3-bedroom, 2-bath elevated home offers an open living concept, a split-bedroom floor plan, and bamboo floors throughout. The home needs some TLC and is ready for a buyer with an eye for potential to restore it and make it their own. Room to spread out is the real standout here. The property offers plenty of space for multiple cars, boats, and even an RV with hookup. Below, you'll find a 2-car garage, an outdoor shower, and generous storage space. Enjoy the true Big Pine lifestyle, where the adorable Key deer can often be seen roaming the neighborhood. A great opportunity for investors, contractors, or anyone ready to create their Keys retreat in a sought-after Big Pine location.

31107 Ave I, Big Pine
30378 Palm Dr, Big Pine
$600,000
2 Beds ⋅ 1 Baths ⋅ 621647 MLS
Enjoy the best of the Florida Keys lifestyle with this cozy and updated home in beautiful Big Pine Key! This 2-bedroom, 1-bath property also features a bonus room, offering flexible space for a home office, hobby room, or additional living area. The home has been refreshed with several upgrades, with replaced and remodeled ceilings, new flooring, fresh interior paint, and new ceiling lights and fans. Impact-resistant doors and windows provide added protection and peace of mind. The fully remodeled kitchen features new cabinetry, updated countertops, and a new kitchen sink, creating a fresh and inviting space for cooking and entertaining. Step outside and enjoy the outdoor entertainment area, perfect for relaxing, gathering with friends, or making the most of the laid-back island lifestyle. Conveniently located between Key West and Marathon, this property offers easy access to some of the Florida Keys' most popular destinations. Enjoy the beautiful beaches of Bahia Honda State Park, boating, fishing, snorkeling, local restaurants, and shopping. The nearby Winn-Dixie shopping plaza provides convenient access to everyday essentials, while Key West's dining, entertainment, and nightlife are within driving distance. Whether you're looking for a full-time residence, a Florida Keys getaway, or an investment opportunity, this property offers a wonderful chance to enjoy the charm and outdoor lifestyle of Big Pine Key. Come explore the possibilities and make this Florida Keys home your own!

30378 Palm Dr, Big Pine
1669 Lantana Ln, Big Pine
$895,000
2 Beds ⋅ 2 Baths ⋅ 621621 MLS
This beautifully updated 2 bedroom, 2 bathroom home sits on an oversized lot and offers the perfect blend of comfort, style, and waterfront living. Enjoy a renovated kitchen and bathrooms, a relaxing screened in porch, and a fenced yard featuring a sparkling fiberglass pool. Boating enthusiasts will appreciate the 75 ft of concrete seawall and 15,000 pound boat lift, providing convenient access to the water. A garage adds extra convenience and storage. Whether you're entertaining guests, enjoying a peaceful day by the pool, or heading out on the boat, this property offers the ideal Keys Lifestyle!

1669 Lantana Ln, Big Pine
173 W Cahill Ct, Big Pine
$1,100,000
3 Beds ⋅ 2 Baths ⋅ 621557 MLS
Embrace the Florida Keys lifestyle in this 3-bedroom, 2-bathroom canal-front home, where you can view the sunset over Newfound Harbor. Situated on an impressive 75-foot-wide canal--one of the widest in the Lower Keys--this property is a boater's dream, featuring 60 feet of concrete dockage, a fish cleaning station, and bridge-free, quick ocean access. Features updated kitchen and bathrooms, impact-resistant windows and doors, walk-around porch, new railings, and metal roof. Take a short walk or kayak ride to the nearby Pine Channel Nature Park.

173 W Cahill Ct, Big Pine
74 Pelican Ln, Big Pine
$680,000
3 Beds ⋅ 3 Baths ⋅ 621396 MLS
Welcome to this inviting 3 bedroom, 3 bathroom home offering a spacious, flowing layout with high ceilings and a comfortable Keys lifestyle. Recent updates include new flooring throughout, quartz kitchen countertops, a remodeled primary bathroom, and fresh interior paint, creating a clean and move-in-ready feel. The third guest bedroom features its own private entrance, offering flexibility for guests, a home office, or additional privacy. Outside, enjoy a storage shed, open and covered parking, and plenty of room for boats, trailers, and outdoor gear. Located on a swimming canal, ideal for kayaking, paddleboarding, and enjoying the relaxed Florida Keys lifestyle. Conveniently located between Key West and Marathon, this home offers a great combination of comfort, location, and waterfront enjoyment. Come see all this property has to offer and experience the Keys lifestyle for yourself. Seller offering $10,000 to buyer for closing costs!

74 Pelican Ln, Big Pine
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