Duck Key Homes with Conventional Finance Terms

Duck Key Homes with Conventional Finance Terms

Welcome to Duck Key, a hidden gem in the heart of the Florida Keys! Nestled in Monroe County, this picturesque island offers a unique blend of serene coastal living and vibrant island culture. Known for its stunning turquoise waters, lush landscapes, and friendly community, Duck Key is the perfect sanctuary for those seeking a slice of paradise.

As you explore this enchanting island, you'll discover a variety of charming homes that cater to diverse lifestyles. Whether you’re looking for a cozy waterfront retreat, a spacious family home, or a luxurious estate, Duck Key has something for everyone. Many of these properties are available with conventional financing terms, making it easier for potential homeowners to secure their dream residence in this idyllic locale.

Imagine waking up every morning to the gentle sound of waves lapping at the shore and the warm Florida sun streaming through your windows. Duck Key offers an array of outdoor activities, from world-class fishing and boating to relaxing beach days and breathtaking sunsets. The island is also home to the renowned Hawks Cay Resort, which provides a wealth of amenities including a marina, spa, dining options, and recreational facilities.

With its friendly atmosphere, stunning natural beauty, and the opportunity for conventional financing, Duck Key is not just a destination; it’s a lifestyle. Come and experience the charm of island living, where every day feels like a vacation. Your dream home awaits in this tropical paradise!

Newest Duck Key Homes with Conventional Finance Terms

$2,100,000
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
$14,500,000
3 Beds ⋅ 4 Baths ⋅ 621038 MLS
Welcome to this extraordinary oceanfront estate, gracefully positioned on an oversized 17,900sqft point lot within prestigious Plantation Island, tucked away at the end of a quiet cul-de-sac. Set along a breathtaking stretch of picturesque Atlantic shoreline, this remarkable property offers approximately 200' of concrete seawall and additional dock with boat lift for effortless boating. Lush tropical landscaping surrounds the estate, providing privacy and a serene resort-like ambiance. Enjoy the saltwater infinity-edge pool and relaxing hot tub while taking in spectacular ocean views. An expansive veranda wraps around the pool, creating an extraordinary setting for entertaining. A grand entrance staircase or sleek glass elevator welcome you inside, where walls of impact-resistant windows and expansive pocketing sliding doors blur the distinction between indoor and outdoor living while inviting refreshing ocean breezes. The grand open-concept living area showcases dramatic ceilings and a refined wet bar that flows effortlessly into a captivating gourmet chef's kitchen, impeccably appointed with a complete suite of Jenn-Air appliances. A dedicated laundry room, designer finishes and sophisticated architectural details further enhance this exceptional residence. The luxurious primary suite is a private retreat, featuring pocketing sliding doors on two sides and cathedral ceilings. The exquisite spa-inspired bathroom is finished with a freestanding soaking tub, a luxurious shower surrounded by striking onyx stone and a grand custom walk-in closet. Two additional guest suites with en-suite bathrooms, open directly to a spacious veranda all offering breathtaking ocean views. The gated and fenced grounds provide privacy and include a detached two-car garage. This one-of-a-kind estate combines sophisticated luxury, resort-style amenities and unparalleled waterfront access, an extraordinary opportunity to experience the very best of Florida Keys living!

201 W Seaview Dr, Duck Key
$1,925,000
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
$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
$1,149,000
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
$849,000
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
$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 square 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 plan 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 a glass of wine while overlooking the sports fields and children's recreation area, which is currently being transformed into a water park. The enclosed backyard adds even more 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
$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
$1,398,000
3 Beds ⋅ 2 Baths ⋅ 620387 MLS
Extensively renovated CBS pool home in desirable Duck Key featuring luxury finishes, smart-home technology, and contemporary coastal design. This beautifully updated Florida Keys retreat offers an exceptional blend of modern style and island living, highlighted by a dramatic multi-story screened porch that captures natural light, tropical breezes, and seamless indoor-outdoor living. The designer kitchen serves as the heart of the home, showcasing an oversized quartz waterfall island, premium smart appliances, custom cabinetry, and a spacious walk-in pantry. Throughout the home you'll find soaring tongue-and-groove ceilings, oversized interior doors, designer lighting, and high-end finishes throughout. The luxurious bathrooms have been thoughtfully redesigned with custom tile work, floating vanities, LED mirrors, premium fixtures, and spa-inspired showers that create a true resort-style experience. Thoughtful upgrades and attention to detail are evident throughout every room. Outside, enjoy a beautiful new pool surrounded by an expansive paver deck, creating the perfect setting for entertaining or relaxing in the Florida Keys sunshine. The impressive screened outdoor living area offers a unique architectural feature, providing an inviting space to enjoy island breezes year-round. Elevated construction provides abundant enclosed storage, flexible bonus space, and room for hobbies, fitness equipment, or additional storage needs. Professionally prepared engineering plans for a future expansion are also available, offering additional flexibility and value for future owners. Located in the sought-after community of Duck Key, just minutes from world-class boating, fishing, waterfront dining, and resort amenities. A rare opportunity to own a fully renovated luxury home in one of the Florida Keys' most desirable island communities.

209 Corsair Rd, Duck Key
$2,697,500
4 Beds ⋅ 4 Baths ⋅ 620247 MLS
Most sell due to medical expenses! Discover the pinnacle of island luxury in this stunning canal-front estate located in prestigious Duck Key. Completely transformed by a 2022 remodel, this 4-bedroom, 4-bathroom residence offers an effortless blend of modern sophistication and relaxed Keys living. Set on a generous 12,500-square-foot lot, the resort-style outdoor space features a custom tiki hut with an outdoor kitchen, a sparkling saltwater pool, and a 100-foot concrete seawall. Serious boaters will love the brand-new 20,000-pound lift with 50-amp service and a custom storage shed. The interior features over 3,400 square feet of beautifully finished space, including a gourmet kitchen featuring premium appliances, a bright Florida room, and expansive living areas. The thoughtful layout provides two bedrooms on the main level and two additional bedrooms upstairs, each with a private ensuite bath. The upper level also features a large balcony that captures sweeping views of the crystal-clear canal. Built with solid CBS construction, impact windows and doors, and a metal roof, this home combines refined design with peace of mind. Truly an exceptional value, this Duck Key masterpiece is ready for its new owner. Schedule your private showing today to experience the elegance and serenity of this remarkable home.

1100 S Indies Dr, Duck Key
$679,000
2 Beds ⋅ 2 Baths ⋅ 620133 MLS
PRIVACY GALORE! For buyers who crave true seclusion and one level living, this rare gem delivers unmatched privacy with absolutely no stairs to climb. Soaring tall ceilings and dramatic walls of glass in the living room and kitchen frame a lush, private sanctuary of tropical foliage and towering trees -- nature's own privacy screen. Step onto the wrap-around screened balcony and let yourself be swept away by the symphony of birdsong surrounding you on all sides. This spacious two-bedroom, two-bath condo offers incredible flexibility, with the dining room easily convertible into a third bedroom -- giving you room to grow without ever sacrificing your privacy. Both bathrooms have been beautifully and thoughtfully updated. The kitchen shines with granite countertops and stainless steel appliances, all bathed in natural light from your very own private tropical backdrop. Your privacy extends beyond the unit itself -- a large, secured outdoor storage area on the first floor keeps your kayaks, bikes, and personal belongings safe and out of sight. And when you're ready to venture out, you're just a short walk from several restaurants and the world-famous Hawks Cay Resort Marina, where adventure awaits -- right before you retreat back to your own private paradise.

8301 Marina Villas Dr, Duck Key
$785,000
3 Beds ⋅ 2 Baths ⋅ 620097 MLS
Experience breathtaking open water vistas from each room through the expansive screened-in balcony. This Marina Villa condo showcases a split bedroom design, where the primary bedroom and its ensuite connect to one bedroom which feature twin beds, while the second suite and bathroom provide guest privacy at the opposite end of the residence. The condo boasts numerous enhancements, such as custom tile inlays in the bathrooms, tile and high-end vinyl flooring, and a fully equipped kitchen with a double bowl farmhouse sink. Additional storage cage on the ground level to store bikes and water toys. Covered parking available on the ground level with an elevator for added convenience. It is part of the Preferred rental program with a proven rental income. Just bring along your water toys and dive into the vibrant lifestyle of the Keys. All milestone structural inspections have been completed in accordance with Florida regulations, providing added peace of mind and compliance assurance.

4303 Marina Villas Dr, Duck Key
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