Duck Key Homes under $3 million

Duck Key Homes under $3 million

Welcome to Duck Key, a hidden gem nestled in the heart of the Florida Keys! This enchanting island, located in Monroe County, is a paradise for those seeking a tranquil retreat infused with natural beauty and vibrant marine life. Known for its stunning turquoise waters and lush landscapes, Duck Key offers an idyllic setting for both relaxation and adventure.

Duck Key is a small, exclusive island community that boasts a unique blend of luxury and laid-back island charm. Here, you’ll find a variety of homes under $3 million, making it an accessible option for those looking to invest in a slice of paradise. Whether you’re searching for a cozy waterfront cottage or a spacious family home with breathtaking ocean views, Duck Key has something to suit every taste and lifestyle.

The island is renowned for its world-class fishing, boating, and snorkeling opportunities, with easy access to the surrounding coral reefs and the famous Florida Keys National Marine Sanctuary. Imagine waking up to the sound of gentle waves lapping against the shore and spending your days exploring the vibrant underwater world or simply soaking up the sun on your private deck.

In addition to its natural allure, Duck Key is conveniently located near a variety of dining, shopping, and recreational options, ensuring you have everything you need at your fingertips. With its unique blend of luxury homes and a relaxed island atmosphere, Duck Key is not just a place to live; it’s a lifestyle waiting to be embraced. Come discover your dream home in this tropical paradise!

Newest Duck Key Homes under $3 million

5091 Sunset Village Dr, Duck Key
$635,000
2 Beds ⋅ 3 Baths ⋅ 621289 MLS
Nightly Rentals Allowed! Welcome to your perfect winter escape and income-producing investment at 5091 Sunset Village Drive. Located in the highly desirable Villages at Hawks Cay on Duck Key, this 900-square-foot coastal townhome features two bedrooms and two and a half bathrooms. Designed with a breezy two-story layout, the villa offers an inviting living space on the ground floor and private upper balconies that showcase stunning water views and famous Florida Keys sunsets. Whether you are a snowbird looking to trade winter storms for sunshine or an investor seeking a lucrative vacation rental, this property delivers the ultimate Middle Keys lifestyle. The absolute highlight of this specific unit is its unbeatable convenience: a tropical community swimming pool is situated immediately out your back door. You can step directly from your private open porch and instantly transition into relaxation mode. This effortless poolside access is a massive selling point for short-term rental guests and provides the ideal setting for you to unwind after a long day of offshore sportfishing, snorkeling the reefs, or kayaking through the calm local waters.Situated on the tranquil sunset side of the island, ownership here places you right in the middle of world-class resort surroundings. Duck Key is renowned for its premier boating, deep-water marina access, local spa services, and exceptional waterfront dining. You are just a short trip from celebrated area attractions like the Dolphin Connection and phenomenal Atlantic Ocean diving. Best of all, new owners enjoy unmatched investment flexibility. You can choose to keep this sunny sanctuary all to yourself for the winter, self-manage it , or seamlessly integrate it into the Hawks Cay Preferred Rental Program to maximize your returns while you are away.

5091 Sunset Village Dr, Duck Key
364 E Seaview Dr, Duck Key
$1,975,000
3 Beds ⋅ 3 Baths ⋅ 621070 MLS
Experience the best of Duck Key waterfront living with deep-water boating access, ocean views, and spectacular sunsets--all from this ideally located home on desirable Yacht Club Island. The main living level features 2 bedrooms and 2 baths with a bright, open floor plan and an updated kitchen designed for easy Keys living and entertaining. A spacious screened porch and multiple open decks extend the living space outdoors, capturing refreshing ocean breezes and beautiful water views. The elevated lower level offers a legal third bedroom and bath, along with a separate living area, open porch, and deck--ideal for guests, extended family, or a private mother-in-law suite. Boaters will appreciate approximately 75 feet of dockage, deep-water access, and a quick ride to the open Atlantic. After a day on the water, relax beneath the tiki hut overlooking the west-facing canal and enjoy colorful Florida Keys sunsets and tropical breezes. Located in one of Duck Key's most enjoyable walking and biking communities, this property combines boating, outdoor living, and island convenience in one exceptional package. Currently the lowest-priced waterfront home on Duck Key, this is an outstanding opportunity to own your piece of paradise in the Florida Keys.

364 E Seaview Dr, Duck Key
210 Schooner Ln, Duck Key
$850,000
4 Beds ⋅ 2 Baths ⋅ 620906 MLS
Welcome to this beautifully updated island retreat in the heart of Duck Key! This spacious 4-bedroom, 2-bath home sits on a desirable corner lot, offering extra privacy and great outdoor space. Built solid with CBS construction and recently upgraded with a new metal roof and new impact windows and doors, NEW AC, NEW WATER HEATER, this home is move-in ready and built to handle Keys living with ease. Inside, you'll find nearly 2,000 sq ft of living space with a bright, open feel. The main floor features an updated kitchen with newer appliances, modern cabinetry, and sleek countertops, perfect for cooking and entertaining. The split-bedroom layout provides a private primary suite, while the additional bedrooms offer plenty of space for family or guests. The upstairs living area feels like a cozy treehouse, with large windows bringing in natural light and views of the lush surroundings. Step out to the open balcony and enjoy your morning coffee or evening sunsets. Outside, there's plenty of room for parking a boat, trailer, or golf cart. The corner lot location means more yard space and extra breeze. Located in the sought-after Duck Key community, you're just minutes from world-class fishing, boating, and local restaurants. With no HOA fees and solid storm protection, this property is a perfect full-time residence, vacation home, or rental investment. Don't miss this chance to own a stylish, updated Keys home that's ready for you to enjoy right away.

210 Schooner Ln, Duck Key
122 S Bahama Dr, Duck Key
$1,895,000
3 Beds ⋅ 2 Baths ⋅ 620892 MLS
Meticulously upgraded island retreat offering resort-style outdoor living on 3 lots spanning 22,500 sq ft, luxury finishes, and smart technology throughout. The backyard oasis features a resort-style pool with an integrated lap lane, custom-blend glass waterline tile, and premium glass bead aggregate finish. Enjoy the sun shelf, waterfall wall, four therapy jets, kept comfortable all year long by a heat pump with chiller. The 18x28 gazebo offers exposed beams, a T&G ceiling, matching metal roof, full summer kitchen, bar, dining/lounge area, and a wood-burning pizza oven. Nearly 6,000 sq ft of travertine pavers cover the driveway, pool deck, and patio, with matching new travertine stairs and over 4,000 sq ft of turf. The covered patio features a new screen enclosure, plus an 8x11 storage shed with matching metal roof. The fully fenced yard includes a walk gate and 10-ft double gate for boat storage. Over 1,500 sq ft of enclosed garage that can accommodate 6 cars and still room for storage and other toys. Inside and out, the home has just been freshly painted (including gutters and railings) with new porcelain wood-plank tile flowing throughout the interior, entry, and terrace. The updated pantry/laundry offers quartz counters and custom built-in shelving. The primary suite showcases a reclaimed wood feature wall, matching platform king bed frame, custom nightstands, and a spa bath with quartz counters and handcrafted glass tile mosaic. Custom walk-in closets serve the primary and guest suites; the third bedroom has a custom media/storage closet. Smart features include a 12-speaker Sonos Wi-Fi system, whole-home smart lighting/pool/climate control, Starlink Gen 4 with wired routers, Ring camera monitoring, automated landscape lighting, and new AC (2026). This is more than a home, it's a fully reimagined island lifestyle.

122 S Bahama Dr, Duck Key
4402 Marina Villa Dr, Duck Key
$1,075,000
3 Beds ⋅ 2 Baths ⋅ 620781 MLS
Experience expansive views of both the Atlantic Ocean and Florida Bay from this updated three-bedroom penthouse. The interior features high vaulted ceilings that create a bright, spacious feel, anchored by an updated kitchen with quartz counters and a dedicated coffee bar. Designed for privacy, the primary suite is separated from the living space by a pocket door and includes its own private bath, while the additional bedrooms share an ensuite bathroom. Floor-to-ceiling impact sliders lead to an expansive screened-in balcony, allowing you to enjoy the coastal breeze and ''views for days'' in any weather. Functional building features include an elevator, ground-level open parking with a covered parking option, and a dedicated 10'x10' (approx.) locked storage area for owners. This residence is perfectly situated just steps from Hawks Cay Resort, Marina slips, Dockside store and Angler & Ale restaurant. Whether you are watching the charter boats return with the daily catch or enjoying the full resort amenities through the onsite rental management participation, this property serves as an ideal primary residence, second home, or investment. Ownership is streamlined with building exterior insurance and professional onsite condo management.

4402 Marina Villa Dr, Duck Key
5018 Sunset Village Dr Unit D-050, Duck Key
$1,048,000
3 Beds ⋅ 3 Baths ⋅ 620817 MLS
DUCK KEY - Experience the ultimate Florida Keys lifestyle in this stunning 3-bedroom, 3-bath Villa located in the world-renowned Hawks Cay Resort. Perfectly positioned to maximize rental income, this property allows lucrative nightly rentals, making it an exceptional investment opportunity or a luxurious personal retreat. The crown jewel of this residence is its spectacular, unobstructed harbor view. Wake up to incredible open water views of Tom's Harbor, relax on your balcony, or watch the vibrant sunset over the Gulf from your primary suite balcony. As one of the few spacious 3-bedroom, 3-bath floor plans on the harbor, the property is beautifully maintained and offered completely turn-key with stylish, comfortable decor. Boaters will love the convenience of available dock rentals nearby or boat launch (for a small fee). By joining the Hawks Cay Rental Program, you and your guests gain seamless access to premier resort amenities, including multiple heated pools, a full-service marina, a luxury spa, daily activities, and fantastic on-site dining. Whether you are looking for a profitable nightly rental property or a turn-key island paradise, this Villa delivers it all. Schedule your private tour today! B&BATVAI

5018 Sunset Village Dr Unit D-050, Duck Key
7044 Harbor Village Dr, Duck Key
$1,099,000
3 Beds ⋅ 3 Baths ⋅ 620778 MLS
Experience the best of the Duck Key lifestyle in this beautifully updated 3-bedroom, 2.5-bath waterfront villa at the world-renowned Hawks Cay Resort. INCLUDES BOAT SLIP. Offering 1,320 square feet of living space, a metal roof, impact-resistant windows and doors, and a deeded 35-foot boat slip directly behind the residence, this property combines effortless waterfront living with exceptional turnkey investment potential. The open concept first floor features a new kitchen with quartz countertops, updated flooring, fresh interior paint, a powder room, and a conveniently located guest bedroom. Sliding glass doors frame the water views and open to a private rear porch overlooking the canal, the perfect place to relax while keeping your boat just steps away. Upstairs, you will find hallway laundry and two spacious bedrooms, each with its own private porch. The large primary suite includes an updated bathroom with a walk-in shower, while the private porch offers gorgeous views across Lake Lucille and the gin-clear waters of Duck Key. The deeded 35-foot boat slip is located directly behind the villa, offering exceptional convenience and quick access to the open water. The property is enrolled with the Hawks Cay Rental Program, holds a transient rental license, and is currently managed by Hawks Cay Resort with an established rental history. Enrollment in the Hawks Cay Rental Management Program provides access to an impressive collection of resort amenities, including multiple pools, a saltwater lagoon, marina services, waterfront dining, Calm Waters Spa, fitness facilities, tennis and pickleball courts, watersports, fishing excursions, and family-friendly activities. Offered fully turnkey, this is an outstanding opportunity to own an updated waterfront retreat, income-producing vacation rental, or combination of both in one of the Florida Keys' premier resort communities.

7044 Harbor Village Dr, Duck Key
8302 Marina Villas Dr Unit 8302, Duck Key
$824,000
3 Beds ⋅ 2 Baths ⋅ 620660 MLS
Seller has this property listed with VRBO. Rental income for 2025 was over $100,000 for the year. Wide water views from this beautiful renovated furnished condo boasting a fantastic floor plan compared to other condos, is attractively decorated with an updated and modern coastal look. Many windows for natural light and a huge L-shaped balcony boasting pocket sliding doors for indoor/outdoor living space. Kitchen has white countertops, newer SS appliances, and a terrific bar/butler's pantry w/ wine refrigerator. Main bedroom opens to the balcony, has large step-in shower and dual sinks. Other features include impact glass windows & doors, natural stone floors, plantation shutters, a barn door, extra storage and covered parking (trucks & pets OK). Full-time residents can homestead this property and receive mail or use as a vacation home with the option to rent through on-site Hawks Cay or personally through rental outlet of your choice (Airbnb, VRBO, VACASA, etc.). Optional membership to resort fitness center, tennis, kids and adult activities. Seller will respond to all offers.

8302 Marina Villas Dr Unit 8302, Duck Key
273 W Seaview Dr, Duck Key
$2,200,000
3 Beds ⋅ 2 Baths ⋅ 620645 MLS
Welcome to 273 W Seaview Dr, a private retreat in the heart of Duck Key, home to Hawks Cay Resort and some of the best boating and fishing waters in the Florida Keys. Built in 2020 on a 15,247 SF lot, this concrete home is elevated on concrete pilings and engineered to withstand hurricane force winds, with impact windows and doors throughout for lasting peace of mind and favorable insurance considerations. The main living level is reached by two separate entries, a front stairway and a rear balcony, and offers 3 bedrooms, 2 full bathrooms, and an in unit washer and dryer across a bright, thoughtfully finished floor plan with custom exterior finishes, drywall interiors, a flat clay tile roof, and forced air cooling. Below, the ground level provides extensive covered parking and storage space, along with a shaded open porch, ideal for boat gear or beach equipment. Outdoors, the property has been extensively upgraded. The owner just completed a brand new 288 SF pool with a paver deck, and recently added a paver brick driveway and multiple brick and tile patio areas for entertaining. The yard is enclosed with wrought iron fencing and gates for added privacy. A standout feature is the detached 2,046 SF garage on the south side of the property, built in 2023 with room for up to nine vehicles, a rare find for boat owners, car collectors, or anyone in need of serious storage space in the Keys. This property suits a vacation home or full time residence equally well. Duck Key offers a welcoming, close knit island community along with excellent public, private, and charter schools nearby. Enjoy the Florida Keys lifestyle: no state income tax, roughly 230 sunny days a year, and some of the most stunning beaches, fishing, and boating waters in the country. Live securely, comfortably, and luxuriously in paradise, and schedule your private showing today.

273 W Seaview Dr, Duck Key
7103 Harbor Village Dr, Duck Key
$600,000
2 Beds ⋅ 3 Baths ⋅ 620630 MLS
Don't miss this remodeled property with cheerful tropical touches that brighten every stay in the Florida Keys. This spacious two-story townhome offers 930 SF of living space, approximately 30 additional SF than the typical 2 bedroom, 2 ½ bathroom properties in the area, making it an exceptional choice for a vacation getaway, investment property, or both. The home features a bright, open-concept first floor which includes a well-appointed kitchen equipped to satisfy even the pickiest chef, an expanded dining area, a comfortable living room, a convenient half bath, and a laundry closet with a washer and dryer. Upstairs the main bedroom with cathedral ceilings has an ensuite bathroom and porch, a second bedroom and a second bathroom have entrances on the hall. Enjoy the Florida Keys lifestyle from either the upstairs or downstairs private porches, where you can sip your morning coffee or unwind with in the evening with a glass of wine. The enclosed backyard adds outdoor enjoyment and privacy. Centrally located in the heart of the Florida Keys on the grounds of Hawks Cay Resort, this townhome is within walking distance of restaurants, marina access, and a variety of water activities. Whether you're looking for a personal retreat, a vacation rental with excellent income potential, or the perfect combination of both, this property is ready to impress. Schedule your private showing today and discover all it has to offer!

7103 Harbor Village Dr, Duck Key
126 N Indies Dr, Duck Key
$1,875,000
4 Beds ⋅ 4 Baths ⋅ 620609 MLS
Rare canal-front duplex on Duck Key's prestigious Indies Canal with 70 feet of new composite dockage, sweeping canal views, and deep-water access to both the Gulf and Atlantic. New roof, new AC, and precast concrete construction throughout -- this is a solid, storm-ready build with significant insurance advantages over at-grade alternatives and no deferred maintenance surprises. Two self-contained side-by-side units, each 2BD/2BA with in-unit washer/dryer, private canal-view balcony, open floor plan, and under-house storage. Unit 1 is fully renovated -- granite counters, stainless appliances, new Kitchenaide soft close cabinetry, updated baths, tile floors throughout. Unit 2 features upgraded tile floors and a bright open canvas with kitchen and baths ready for your finish. The options here are unusually flexible: rent both units for strong 28-day vacation rental income, live in one and let the other pay your carry, or convert the entire structure to a single-family waterfront compound -- there's even room for a pool. That kind of optionality, in a precast concrete above-flood building with a new roof and new dock, simply does not exist elsewhere on Duck Key. Monroe County 28-day minimum rental applies. Sold as a complete duplex; cannot be split.

126 N Indies Dr, Duck Key
239 W Seaview Dr, Duck Key
$1,599,000
3 Beds ⋅ 4 Baths ⋅ 620472 MLS
DUCK KEY Showpiece. 2023 CBS home with high-end finishes features 3 bedrooms, 4 baths, large pool overlooking tropical island foliage in a private setting. Open floor plan, gourmet kitchen equipped with quartz countertops, custom cabinetry, and a distinctive full-wall ceramic backsplash. An additional 750+/- sqft of lower-level living includes a full bath that is perfect for a 4th bedroom, guest suite or game room. Designer touches and premium builder finishes throughout. Fenced outdoor living space, balconies, dedicated BBQ w/outdoor kitchen area, shed, privacy & more. Built for peace of mind, the property features a metal roof, full impact windows & doors ensuring low insurance costs. The current flood policy of $1,288.94+/- is assumable. Ample parking offers high-clearance carport perfect for your RV. Extensive storage available inside and out. Experience the relaxed island lifestyle that Duck Key has to offer. Easy access to world-class amenities at the Hawk's Cay Resort, nearby boat ramps, dining options, and a variety of activities. Membership to the exclusive Club Duck Key is available to further enhancing the island experience. Don't miss your chance to own a piece of paradise--schedule your showing today! Offered partially furnished; list of exclusions available. This home is a must see. B&BATVAI

239 W Seaview Dr, Duck Key
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