Little Torch Key Homes with Conventional Finance Terms

Little Torch Key Homes with Conventional Finance Terms

Welcome to Little Torch Key, a hidden gem in the heart of the Florida Keys! Nestled in Monroe County and part of the enchanting city of Little Torch, this island paradise offers a unique blend of tropical beauty and laid-back charm. With its stunning waterfront views, swaying palm trees, and vibrant sunsets, Little Torch Key is the perfect escape for those seeking a serene lifestyle surrounded by nature's wonders.

The island is renowned for its outdoor activities, from fishing and boating to snorkeling and diving in the crystal-clear waters of the Gulf of Mexico. With easy access to the breathtaking Florida Keys National Marine Sanctuary, residents and visitors alike can explore vibrant coral reefs and abundant marine life right at their doorstep.

Real estate on Little Torch Key is as diverse as its landscape, featuring a range of charming homes that cater to various lifestyles and budgets. Whether you’re looking for a cozy waterfront cottage or a spacious family retreat, there’s something for everyone. Many homes in this picturesque community are available with conventional finance terms, making it easier for potential buyers to secure their dream property in this idyllic setting.

Imagine waking up to the gentle sound of waves lapping against the shore, enjoying your morning coffee on a sun-drenched deck, or taking leisurely strolls along the beach. Little Torch Key is not just a place to live; it’s a lifestyle that embraces relaxation, adventure, and the beauty of island living. Come discover your piece of paradise today!

Newest Little Torch Key Homes with Conventional Finance Terms

$745,000
2 Beds ⋅ 2 Baths ⋅ 621174 MLS
This canal-front home offers the perfect blend of comfort, convenience, and the laid-back Florida Keys lifestyle. Located on a corner lot and built with durable CBS construction. This home features a spacious open floor plan, exceptional outdoor living, and direct boating access to Pine Channel. The outdoor amenities are truly a boater's dream. A brand-new 60-foot dock with boat slip, 17,000-lb. boat lift, and fish cleaning station provides everything you need to enjoy life on the water. The canal is ideal for an afternoon swim or snorkel, and you can watch parrotfish, snappers, and other marine life right from your dock. The Atlantic Ocean is only a two-minute boat ride away, offering quick access to world-class boating and fishing. Back at home, the large chickee hut creates the perfect setting for relaxing, entertaining, and enjoying outdoor BBQs. With the expansive dock and waterfront setting, the indoor/outdoor lifestyle this property offers is hard to beat. Inside, the spacious open floor plan is designed for entertaining and everyday living. Wood-plank ceilings and tile flooring run throughout the home, creating a warm and inviting Keys-inspired feel. The bathrooms have been updated with tile work throughout. For added storm protection and peace of mind, the home features CBS construction, a metal roof, and accordion shutters. Centrally located on Little Torch Key, this property is approximately 28 miles from Key West and 20 miles from Marathon. Just around the corner, Kiki's Sandbar offers food, drinks, and waterfront dining, while a grocery store and public boat ramp are only about five minutes away. Whether you're looking for a full-time residence, vacation getaway, or the perfect home base for enjoying the water, this property delivers the best of Florida Keys living. Call today to schedule your private showing! **Professional Photos Coming Mid September once tenant leaves**

28441 Meyer Ave, Little Torch
$640,000
3 Beds ⋅ 2 Baths ⋅ 620463 MLS
A Classic Keys Boating Cottage! Exceptional value for a 3 bedroom 2 bath waterfront home in the Lower Keys! With 60' of seawall, enjoy easy boating access to nearby hot spots in the gulf and ocean side. The State Road 4a boat ramp is just a few doors away which is so convenient to launch your boat. Plenty of parking out front and room for a pool. Featuring laminate floors, a dedicated laundry space, on demand hot water heater and a large pantry storage closet.

711 State Road Unit 4A, Little Torch
$699,000
2 Beds ⋅ 1 Baths ⋅ 620354 MLS
Welcome to 629 Powell Drive in Little Torch Key, the lowest-priced fully stilted CBS home currently available in the Lower Florida Keys. This elevated 2-bedroom, 1-bath canal-front home offers the ideal combination of affordability, boating access, and island living. Built for peace of mind, the home features a 2018 metal roof, accordion shutters on the doors, and panel shutters for the windows. Relax on the spacious east-facing porch, perfectly positioned to capture the prevailing trade winds while enjoying peekaboo open water views and cooler afternoon temperatures. Situated on a generous 7,400-square-foot lot, the property offers a huge paver driveway with ample room for multiple boats, trailers, RVs, and guests. The backyard provides plenty of space for a resort-style pool, creating the ultimate Keys retreat. Boaters will appreciate the deep, clean canal, concrete dock, and quick ocean access through Pine Channel, offering outstanding fishing, diving, and snorkeling opportunities. Downstairs, a massive enclosed storage area provides plenty of room for all your gear and water toys. Located in a desirable waterfront neighborhood with a community boat ramp and within walking distance of one of the Lower Keys' most popular waterfront tiki bars, this property delivers everything buyers love about the Florida Keys lifestyle at an exceptional value.

629 Powell Ave, Little Torch
$749,900
3 Beds ⋅ 2 Baths ⋅ 620144 MLS
Island living comes easy here, with a free community boat ramp, nearby waterfront basin, and natural Lower Keys scenery all close to home. Set on a large 7,814 sq. ft. corner lot along State Road 4A in Ladies Acre, this 3 bedroom, 2 bath property offers 1,431 sq. ft. of comfortable living space surrounded by mature tropical greenery that adds privacy and natural beauty. Inside, the open living, dining, and kitchen layout feels bright and welcoming, with granite countertops, abundant wood cabinetry, and plenty of natural light throughout. The primary bedroom features an en suite bath and walk-in closet, adding comfort and functionality to the floor plan. The home also includes impact windows and doors, a metal roof, and a full concrete slab underneath, offering covered parking, storage, and usable space below. Nearby community features are within walking distance, including a walking trail to a peaceful waterfront basin, perfect for sunset views, dog walks, birdwatching, and enjoying the natural beauty of the Lower Keys. Conveniently located in Little Torch Key, this property offers easy access to local restaurants, shopping, Big Pine Key amenities, and a simple drive to both Key West and Marathon.

28110 Dorothy Ave, Little Torch
$894,000
3 Beds ⋅ 2 Baths ⋅ 620124 MLS
MOTIVATED SELLER! Offered in the highly sought-after Jolly Roger Estates, this beautifully maintained, one-owner canal-front home is just 11 years old and truly move-in ready. Elevated and thoughtfully designed, the 1,296 sq. ft. residence offers three bedrooms and two bathrooms, enhanced by refined finishes including crown molding, tray ceilings, tile showers, and a bright, open-concept living space ideal for coastal living. Built for both comfort and peace of mind, the home features a metal roof installed in 2018 along with impact-rated windows and doors throughout. Enjoy added privacy and nightly sunset views over the protected salt marsh directly across the street--an unspoiled natural backdrop that will never be developed. Boaters will appreciate the free-flowing, clear-water canal with excellent access to both the ocean and the bay. The private dock with a 7,000-lb side-lift boat elevator makes heading out for fishing, diving, or sunset cruises effortless. The spacious lot offers a large driveway, double covered parking, and ample room for boat trailers and additional vehicles. Downstairs, a full concrete pad and enclosed angler's room provide the perfect space for storing fishing gear, dive equipment, and all your island toys. Located near mile marker 28.5, Jolly Roger Estates is a peaceful, palm-lined waterfront community on the Atlantic side of Little Torch Key, offering direct access to Pine Channel and world-class boating, fishing, and diving at nearby Looe Key Reef. Just 24 miles from Key West, this exceptional property delivers the perfect blend of island tranquility and convenient access to dining, entertainment, and amenities--an ideal full-time residence, second home, or investment in the Florida Keys lifestyle.

437 Pirates Rd, Little Torch
$337,500
2 Beds ⋅ 1 Baths ⋅ 620117 MLS
Great investment opportunity in Little Torch Key! This well-maintained home sits on a clean, clear swimming canal with direct access for paddle boarding, kayaking, and fishing right from your backyard. A boat ramp is less than a mile away, making it perfect for boating and fishing enthusiasts. The property features a large fenced lot with plenty of parking, trailer storage, and a storage shed. Inside you will find a bright and comfortable living area, two bedrooms, a guest bathroom, and a washer and dryer. Located in a quiet neighborhood just minutes from grocery stores and restaurants. This one won't last so call today to schedule a showing!

27965 Tarpon Ter, Little Torch
$1,250,000
2 Beds ⋅ 2 Baths ⋅ 619868 MLS
Location, location, location. This home has stunning sunrise and ocean views from this one- of-a kind Open Water property. Picture perfect views from theFrench Doors off of the living room leading onto a sprawling deck overlooking the turquoise water. This home has a pool and is a spacious 2 Bedroom 1.5 Bath with a loft. Dock with 7,000lb. boat lift and storage enclosure.

257 La Fitte Rd, Little Torch
$2,100,000
5 Beds ⋅ 4 Baths ⋅ 619117 MLS
Pre-Construction Luxury Home | Jolly Roger Estates Introducing a rare pre-construction opportunity in the desirable waterfront community of Jolly Roger Estates. This CBS-built, fortress-like home is designed for durability, efficiency, and modern coastal living. The two-story floor plan offers 5 bedrooms, 4 bathrooms, and 2,886 square feet of living space, along with a spacious downstairs storage area--perfect for all your boating and outdoor gear. The property will feature a 10' x 23' swimming pool with an integrated jacuzzi, outdoor kitchen, and a TPO roof with a rooftop observation deck, ideal for taking in open water views, sunsets, and the surrounding Keys landscape. For boating enthusiasts, this home checks every box. The property will feature a 60' x 8' composite dock equipped with a 10,000-pound boat lift, set along deep, clear, flow-through canals with approximately 4 feet of draft-providing excellent accommodation for larger vessels and quick, easy ocean access with no bridges. Built with sustainability in mind, this Green Build Certified home includes features such as solar panels and a 1,000 gallon cistern, offering long-term value and reduced environmental impact. Conveniently located less than 5 minutes from restaurants, grocery stores, and shopping, and just 30 minutes from Key West, this property delivers the perfect balance of privacy, accessibility, and upscale waterfront living.

662 Blackbeard Rd, Little Torch
$1,349,000
3 Beds ⋅ 3 Baths ⋅ 619055 MLS
Discover waterfront living in Jolly Roger Estates on Little Torch Key. This beautifully maintained 3 bedroom, 3 bathroom canal-front home offers quick boating access to open water, making it ideal for fishing and island adventures. Designed for the Florida Keys lifestyle, the property features a private pool, tiki hut, and spacious outdoor entertaining areas overlooking the canal. Boaters will appreciate the dock and 14,000-lb boat lift, providing easy access for larger vessels. Whether you're seeking a full-time residence or a luxury island retreat, this home delivers the perfect blend of comfort, boating, and relaxed Keys living.

845 Pirates Rd, Little Torch
$750,000
2 Beds ⋅ 2 Baths ⋅ 618992 MLS
Must be sold after Jan 1, 2027. Canal front home with quick exit out of the canal to Pine Channel for Atlantic or Gulf access. 7200 sq.ft. lot. Back yard big enough for a pool. Pack your toothbrush and your ready for your salt life to begin. Being sold mostly furnished 2bd/2bth 1162 sq.ft. Home, plus, southerly facing screen porch, which has accordian shutters,porch faces back yard and canal. Room for a pool. Nice & Neat. Ready to rent or to come and enjoy. Front yard big enough for RV parking, 50 Amp service. '2018' 5V Metal Crimp roof with underlayment & Central A/C, which has heat. Range, Dishwasher, Fridge, Stackable washer/dryer, next to hall bath. Both bathrooms have tubs. Accordian shutters upstairs. Concrete slab under house. Connected to central sewer by grinder pump system and electric. No open or expired permits. No open code violations. 1997 Survey and elevation certificate. AE 8 flood zone, tier 3. Privacy fence on 2 sides, allowed to put fence around front too. Improved subdivision zoning. 20 ft wood dock plus an extra piling you can park up to a 30 ft. Boat ramp on SR 4A. 10 miles to State Park Bahia Honda. 3 miles to Grocery (Shopping Center), 28 miles to Key West, 21 miles to marathon 2.5 hrs. to Miami International airport. Easy to show. Full price offers only.

28452 Yucatan Ln, Little Torch
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