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

7031 Harbor Village Dr, Duck Key
$619,000
2 Beds ⋅ 2 Baths ⋅ 621889 MLS
Become part of the renowned Hawks Cay Resort while enjoying some of the highest rental income potential in the Florida Keys. This beautifully upgraded two-bedroom waterfront villa features quartz countertops, modern kitchen cabinets, stainless steel appliances, and a stunning custom bathroom on the second level, complete with an oversized walk-in shower. The villa offers unique personal touches not commonly found on the property, including a custom tile backsplash throughout the kitchen, an oversized kitchen bar, and upgraded lighting and fans throughout. Elegant porcelain flooring spans the entire villa, enhancing its sophisticated décor. In the private courtyard, relax in your own splash spa pool, complete with custom tile work and a fountain, all with direct views of the turquoise waters surrounding the Key. Impeccably maintained, this is truly a one-of-a-kind property. Enjoy full ownership within the #1 family resort in the Florida Keys. This villa is perfectly situated with just a short walk to the resorts amenities. Now is the time to invest in paradise. Schedule a showing today before it's too late.

7031 Harbor Village Dr, Duck Key
7218 Simran Ln Unit Hawks Cay Resort, Duck Key
$1,200,000
3 Beds ⋅ 3 Baths ⋅ 621857 MLS
Discover the ultimate tropical retreat located within the resort's exclusive gated Sanctuary community. Featuring one of the largest floor plans available at Hawks Cay, this beautifully renovated property offers the perfect combination of luxury, privacy and island living, complete with your own private swimming pool surrounded by lush tropical landscaping. Whether you're searching for a dream vacation home, a second residence or a premium income-generating rental property, this exceptional villa offers it all. With the flexibility of nightly rentals, the income potential is especially appealing. Step inside to discover a spacious, open-concept layout featuring a completely remodeled kitchen, generous dining area and multiple seating areas ideal for entertaining or relaxing with family and friends. Extensive upgrades throughout include impact-resistant sliding glass doors, beautifully remodeled bathroom, updated fixtures and ceiling fans, a new A/C system, fresh interior paint and stylish coastal furnishings and décor. The thoughtfully redesigned downstairs living space includes a lovely and fresh downstairs space with a king sized bed. Plenty of storage in this private sleeping area also. A freshly updated bathroom on the lower level compliments this area perfectly. If you are not in need of the downstairs bed area, it is a perfect space for an office. Outside, your private tropical oasis awaits. The beautifully resurfaced and retiled swimming pool, spacious deck and lush landscaping provide the perfect setting for family gatherings, entertaining guests or simply unwinding in complete privacy. Few properties at Hawks Cay offer this combination of space, extensive renovations, private outdoor living and rental income potential. Don't miss this rare opportunity to own an exceptional Sanctuary villa and experience the very best of Florida Keys living, where unforgettable memories are made for years to come.

7218 Simran Ln Unit Hawks Cay Resort, Duck Key
1129 Pebble Beach Ln Unit APT 11, Duck Key
$275,000
2 Beds ⋅ 2 Baths ⋅ 621540 MLS
Own your slice of paradise on Duck Key without the big-island price tag. This updated 2-bedroom, 2-bath condo is an easy commute to Hawks Cay and Marathon, and an easy lock-and-leave for weekends in the Keys. The open kitchen looks out on a tropical view and features chocolate wood cabinets, white quartz countertops and stainless appliances. Both baths have been refreshed with modern tile, and the primary bath has a farmhouse-style door. The big-ticket items are handled: the building has a new roof and updated plumbing, and exterior painting is coming soon. After work, walk to a waterfront restaurant, two marinas and water sports, or bike the quiet neighborhood streets. An optional Club Duck Key membership adds a large swimming pool, tennis courts, a tiki hut and grill area, and social events that make it easy to meet your neighbors. Whether you're putting down roots or want an affordable weekend escape, this is your chance to own a slice of island life.

1129 Pebble Beach Ln Unit APT 11, Duck Key
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
201 W 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
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
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
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
7103 Harbor Village Dr, Duck Key
$590,000
2 Beds ⋅ 3 Baths ⋅ 620630 MLS
Charming two-story townhome with cheerful tropical touches that brighten every stay in the Florida Keys. The home features a open-concept first floor plan which includes a well-appointed kitchen equipped to satisfy even the pickiest gourmet chef, an expanded dining area with a bumped out 30 SF with windows on 3 sides, a comfortable living room, a convenient half bath, and a laundry closet with a washer and dryer. This spacious 930 SF is roomier than most 2 bedroom, 2 ½ bathroom townhomes in the area that typically have 900 SF. Upstairs, there is a bedroom with an ensuite bathroom, and a second bedroom with a second bathroom entered from the hall. There are outdoor porches upstairs and downstairs with 250 SF to relax with your morning coffee, or evening glass of wine. Enjoy the Florida Keys lifestyle from either the upstairs or downstairs 250 SF private porches, where you can sip your morning coffee or unwind with a glass of wine while overlooking the enclosed back paved patio and layers of tropical landscaping allowing glimpses of the Water Park beyond. Located on the grounds of Hawks Cay Resort, this townhome is within walking distance of Anchor & Ale Restaurant, the new marina store, the remodeled marina area used as a venue for various events, and a variety of water activities that are open to the public. Other services, such as the Spa, are available at a fee. 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. Rentals can be handled by the owner, through Hawks Cay Resort or other vacation rental managers. So, you can do it your way! Schedule your private showing today and discover all this property has to offer!

7103 Harbor Village Dr, Duck Key
209 Corsair Rd, Duck Key
$1,398,000
3 Beds ⋅ 2 Baths ⋅ 620387 MLS
Extensively remodeled 3-bedroom, 2-bath CBS pool home in Duck Key offering 2,076 sq. ft. of living space, smart-home technology, contemporary design, an ocean view, and exceptional indoor-outdoor living. The comprehensive remodel features sleek modern finishes and clean architectural lines throughout. The remodeled kitchen features an oversized quartz waterfall island, premium smart appliances, custom cabinetry, and a spacious walk-in pantry. High-contrast finishes, oversized interior doors, and designer lighting complement the home's sophisticated contemporary style. Both bathrooms have been completely redesigned with custom tilework, floating vanities, LED mirrors, premium fixtures, and large spa-inspired showers. Upstairs, the loft area and guest bedroom feature vaulted tongue-and-groove ceilings, adding warmth and architectural character to the modern interior. Outdoor living is highlighted by a new in-ground pool, expansive paver pool deck, and dramatic multi-story screened porch, creating generous space for entertaining, relaxing, and enjoying the Florida Keys climate. Elevated CBS construction provides substantial enclosed storage and flexible ground-level bonus space for storage, fitness equipment, hobbies, and other uses. Professionally prepared engineering plans for future expansion are also available. Located in Duck Key in the Middle Florida Keys, with convenient access to boating, fishing, waterfront dining, and nearby resort amenities. A distinctive opportunity for buyers searching for a remodeled Duck Key pool home with smart-home technology, contemporary finishes, ocean views, and extensive screened outdoor living.

209 Corsair Rd, Duck Key
1100 S Indies Dr, 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
Start Your Search

How much is your home worth?

Get instant property value now!