Little Torch Key Homes with FHA Finance Terms

Little Torch Key Homes with FHA Finance Terms

Welcome to Little Torch Key, a hidden gem nestled in the heart of the Florida Keys, within Monroe County. This enchanting island is known for its stunning natural beauty, crystal-clear waters, and a tranquil atmosphere that offers the perfect escape from the hustle and bustle of everyday life. Little Torch Key is a paradise for nature lovers, with abundant opportunities for fishing, boating, and exploring the vibrant marine life that thrives in the surrounding waters.

As you wander through this charming island community, you’ll discover a variety of homes that capture the essence of island living. From cozy waterfront cottages to modern family homes, Little Torch Key offers a diverse selection of properties that cater to a range of lifestyles. Many of these homes come with the added benefit of FHA financing options, making it easier for first-time buyers and those looking to invest in their dream coastal retreat.

The island's close-knit community fosters a welcoming environment where neighbors become friends, and every day feels like a vacation. With stunning sunsets, beautiful beaches, and a laid-back vibe, Little Torch Key is the ideal place to call home. Whether you're interested in a weekend getaway or a permanent residence, this idyllic island offers the perfect blend of relaxation and adventure.

Explore the possibilities of owning a slice of paradise in Little Torch Key, where your dream home awaits. Embrace the island lifestyle and experience the magic of living in one of Florida’s most captivating locations. Let us help you find your perfect home today!

Newest Little Torch Key Homes with FHA 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
$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
$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
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