Marathon Homes with Conventional Finance Terms

Marathon Homes with Conventional Finance Terms

Welcome to Marathon, Florida, where the sun kisses the turquoise waters and the charm of island living beckons! Nestled in the heart of the Florida Keys, Marathon is a picturesque city in Monroe County, known for its stunning ocean views, vibrant marine life, and a welcoming community. This unique island paradise is perfect for those who appreciate both adventure and tranquility, offering a variety of outdoor activities such as fishing, snorkeling, and boating, all set against a backdrop of swaying palm trees and breathtaking sunsets.

Marathon is not just a destination; it's a lifestyle. The local culture is rich with history and hospitality, making it an ideal place to call home. Whether you’re drawn to the allure of the ocean or the charm of the local shops and restaurants, Marathon has something for everyone. The city is also home to the famous Dolphin Research Center, where you can engage with these friendly marine mammals, and the iconic Seven Mile Bridge, a marvel of engineering that connects the islands.

For prospective homeowners, Marathon offers a range of properties that can be financed with conventional terms, making your dream of island living more accessible than ever. From cozy beach cottages to luxurious waterfront estates, the real estate market here caters to various tastes and budgets. With the right financing options, you can secure your piece of paradise in this idyllic locale. Embrace the lifestyle you've always dreamed of in Marathon, where every day feels like a vacation!

Newest Marathon Homes with Conventional Finance Terms

6099 Overseas Hwy Unit LOT 16W, Marathon
$775,000
2 Beds ⋅ 2 Baths ⋅ 621885 MLS
Nearly new and built for the Florida Keys lifestyle, this 2022-built stilt home sits right in the heart of Marathon, and is currently the lowest priced stilted home in Marathon with an owned private dock space on an oceanside canal with a community boat ramp! Your boatslip is right outside your door and is only 5 miles out to Sombrero Reef and 2 miles to the sandbar. Inside, high ceilings and large windows fill every room with natural light. The open kitchen is well lit, anchored by a full pantry, and fitted with nearly new appliances. The spotless interior also features crown molding throughout, neutral paint and flooring, and an open floor plan. Built to Cat V wind load standards with impact windows and doors, metal roof, and an 8-foot piling foundation, means lower insurance costs, peace of mind, and a structure designed to last for decades. The property also features a rainwater collection cistern -- an eco-friendly bonus to keep the garden green without ever touching the water meter. A low monthly HOA covers access to the community clubhouse with a full kitchen, pool table, Tiki, private boat ramp, fish cleaning station, and two scenic sitting areas on the Atlantic Ocean, one with a pavilion for shelter from sun and rain. This home also abuts a conservation area, so there are no backyard neighbors, allowing for additional privacy to entertain and enjoy nature. Whether looking for a vacation retreat, investment property, or full-time residence; if the Florida Keys lifestyle is what you're after, this is where it starts.

6099 Overseas Hwy Unit LOT 16W, Marathon
12399 Overseas Hwy Unit # 10, Marathon
$1,095,000
3 Beds ⋅ 3 Baths ⋅ 621845 MLS
An exceptional opportunity to own a proven income-producing waterfront property in the heart of the Florida Keys! Located in the desirable Coral Lagoon Resort in Marathon, this 3-bedroom, 2.5-bath end-unit townhome offers the perfect combination of investment potential and personal enjoyment. Nightly rentals are permitted, and the property features a well-established vacation rental business with a documented history of gross rental income. Financial records available upon request. Enjoy the advantage of purchasing an established income-producing property while reserving time for your own Florida Keys getaway! Offering 1,360 square feet of living space, this two-story townhome features an open-concept living and dining area, kitchen with granite countertops, and covered outdoor living spaces overlooking the water. Upstairs, the spacious primary suite opens to a generous private balcony. Boaters will appreciate the included 40-foot deeded boat slip #13 located directly outside the back door! Enjoy quick access to the Atlantic Ocean, Gulf, reefs, sandbars, and world-class fishing. Coral Lagoon features lush tropical landscaping, a heated resort-style pool, and convenient access to the adjacent Boat House Marina with fuel, boat ramp, and boating services. Recent improvements include a new HVAC system and washer/dryer in spring 2026, professionally cleaned dryer vents in summer 2026, and replacement oven and dishwasher within the past three years. Metal roof! Conveniently located near Marathon's restaurants, shopping, and attractions. Whether you're seeking an established vacation rental investment, personal waterfront retreat, or both, this property offers the Florida Keys lifestyle with a proven rental history!

12399 Overseas Hwy Unit # 10, Marathon
6099 Overseas Hwy Unit LOT 60W, Marathon
$289,000
1 Beds ⋅ 1 Baths ⋅ 621853 MLS
Your own place in the Florida Keys--with coastal charm, land ownership, and possibilities for the future! This well-maintained 1-bedroom, 1-bath manufactured home in Key By the Sea offers exceptional value in the heart of Marathon. Cheerful coral siding, sunny yellow accents, and a paver driveway in soft sandy tones create a welcoming first impression. An in-unit washer and dryer adds everyday convenience, while a large storage shed and several additional storage spaces provide plenty of room for island essentials. Enjoy a quiet, well-maintained community with a welcoming atmosphere and friendly neighbors. You own both the home and the land, and community dockage offered at just $150 per month makes enjoying the Keys even more appealing. Amenities include a boat ramp, dockage, an oceanfront pavilion overlooking the Atlantic, laundry facilities, and a clubhouse with a kitchen and gathering space. Dockage is subject to availability and community requirements. Environmentally sensitive land behind the property provides a natural backdrop and an added sense of privacy. Enjoy your island retreat today while exploring possibilities for tomorrow. A right to build conveys with the property, offering the opportunity to explore a future permanent home on-site as your plans take shape. Convenient to restaurants, shops, Sombrero Beach, and Middle Keys recreation, this property brings together an approachable price, comfortable living, and land to call your own. Future elevation, replacement, or expansion is subject to applicable permitting requirements and municipal codes. Buyers are advised to verify the right to build, transfer conditions, and feasibility of intended improvements with the City of Marathon.

6099 Overseas Hwy Unit LOT 60W, Marathon
109 Ave D, Unit 307, Marathon
$325,000
1 Beds ⋅ 1 Baths ⋅ 621829 MLS
AFFORDABLE FLORIDA KEYS PROPERTY...DON'T MISS YOUR OPPORTUNITY TO OWN YOUR PIECE OF PARADISE!! Looking for an affordable way to enter the Florida Keys real estate market? Whether you're a first-time buyer, searching for a weekend getaway, or looking for an investment property with rental income potential, this thoughtfully renovated waterfront community condo offers an exceptional opportunity to enjoy the Keys lifestyle at an attractive price point! Originally designed as a studio, this cleverly redesigned unit offers the comfort and functionality of a one-bedroom layout. A custom partition wall creates a dedicated sleeping area while incorporating beautiful built-in wardrobe & storage. A sliding barn door could easily be added for additional privacy. The inviting interior features a full kitchen with granite countertops, stainless steel appliances, a convenient breakfast bar, updated flooring, & a beautifully renovated bathroom. A screened patio provides the perfect place to enjoy your morning coffee or relax after a day on the water. It also features & in-unit, spacious, storage closet giving you plenty of room to store your things or use as a locked owners closet while it's rented. Boating enthusiasts will appreciate the assigned boat slip, deep-water dockage along a 200-foot-wide canal, private community boat ramp, boat trailer parking, & convenient ocean access. Enjoy the community pool & waterfront gathering areas, all within the desirable Coco Plum Terraces community in Marathon. With a new roof in 2023, updated A/C in 2022, & seven-night minimum rentals permitted, this property offers flexibility for personal enjoyment & potential rental income. At a remarkable price, this is an inviting opportunity to get your foot in the door of the Florida Keys real estate market! Use as a Full-time, seasonal home, or income-producing investment, this charming condo offers an appealing combination of affordability, amenities, & island living at its best!

109 Ave D, Unit 307, Marathon
990 41st St Unit 10, Marathon
$3,475,000
5 Beds ⋅ 6 Baths ⋅ 621813 MLS
Luxury 5-Bedroom Waterfront Home in the Florida Keys Welcome to your dream retreat in Marathon, Florida! This stunning 5-bedroom, 5.5-bath residence sits on the desirable bay side, offering breathtaking water views and endless sunsets. Perfectly designed for comfort and entertaining, the home features an open-concept living space, gourmet kitchen, and spacious bedrooms with en-suite baths for ultimate privacy. Step outside to enjoy resort-style living with a sparkling pool, expansive patio, and direct access to the bay. Boating enthusiasts will love the assigned dock slip, making days on the water effortless. Whether you're seeking a full-time residence, vacation getaway, or investment property, this home delivers the ultimate Keys lifestyle--luxury, relaxation, and adventure right at your doorstep.

990 41st St Unit 10, Marathon
520 Sombrero Beach Rd, Marathon
$4,399,000
4 Beds ⋅ 5 Baths ⋅ 621797 MLS
Breathtaking water views and immediate ocean access set the stage for an exceptional waterfront lifestyle at this stunning and impeccably kept modern 2-story home in Sombrero Beach, an exclusive neighborhood of high-end homes just steps to the beach and minutes to Marathon Jet Center. Offering 4 bedrooms, 5 bathrooms, and 3,704 sq. ft. of beautifully appointed living space, this waterfront retreat places the Atlantic Ocean just moments from your dock. Soaring ceilings and an expansive open floor plan create a bright, inviting atmosphere with stunning water views from the main living areas. The chef's kitchen features marble countertops, premium stainless steel appliances, a wine cooler, and a spacious island with seating for four, flowing seamlessly into the dining and living areas. A separate sitting area offers additional space to unwind. Upstairs, two generously sized primary suites each feature private balconies with glass railings showcasing panoramic ocean views, along with luxurious en suite baths featuring soaking tubs and separate rain showers. A wet bar with an ice maker, mini refrigerator, and wine cooler sits between the suites. Two additional guest bedrooms are located on the main level with a bath for each. Outside, an expansive lanai surrounds the heated saltwater pool and spa which is fully automated to work from your cell phone and is complemented by a poolside tiki hut with a fully equipped outdoor kitchen, grill, refrigerator, microwave, and TV. A convenient cabana bath provides easy access from the pool area. Boating enthusiasts will appreciate the 50' dock, 14,000 lb. boat lift, fish-cleaning station, and immediate Atlantic Ocean access. Solid CBS construction with concrete roof and impact doors and windows. Offered Turn-Key. Seller financing offered to qualified buyers! Zoned for weekly vacation rentals, this property offers solid rental history and presents an excellent investment opportunity.

520 Sombrero Beach Rd, Marathon
217 Sombrero Beach Rd Unit 1 & 2, Marathon
$2,950,000
8 Beds ⋅ 6 Baths ⋅ 621783 MLS
Incredible Income-Producing Full Duplex | 8 Bedrooms | 6 Bathrooms | 4 Bedrooms | 3 Bathrooms per Unit | 2 Pools | 40' Dock Rare opportunity to own a highly desirable, newer construction duplex offering exceptional income potential and resort-style amenities. The property features a total of 8 bedrooms and 6 bathrooms, with each side boasting 4 beds and 3 baths, private entrances, and separate utilities--ideal for investors, vacation rental operators, or owner-occupants seeking rental income. Both units have been well maintained and offer spacious, open floor plans with updated kitchens, ample natural light, and modern finishes. Each side opens to its own private pool-perfect for guests or personal use. The tropical landscaping, fenced yard, and multiple lounging areas create a true retreat atmosphere. The units can be opened up to one another to allow for larger groups in a connected space. A 40-foot dock provides direct water access, making this a boater's dream with potential for added rental income from dock usage. Just minutes from open water with a 4' control depth, this property is a rare find in today's market. Additional features include ample parking, turnkey rental-ready with proven rental history, potential for short-term rental (verify with municipality) and centrally located near beaches, dining, shopping, and top local attractions, this duplex delivers strong year-round rental demand. Each side is heavily occupied well into 2027. A perfect blend of luxury living and passive income potential. Financials available upon request to qualified buyers. Call to schedule your private showing today. We request to please allow 24 hour notice because of potential occupancy.

217 Sombrero Beach Rd Unit 1 & 2, Marathon
234 Pescayo Ave, Marathon
$2,649,000
3 Beds ⋅ 4 Baths ⋅ 621740 MLS
Life on the water begins the moment you arrive at this brand-new Florida Keys retreat. Sweeping open water views stretch from nearly every room, and the home is ready to enjoy from day one. It comes fully furnished with relaxed tropical décor, and bikes and kayaks are included for exploring by land or sea. Boaters will appreciate the private deep-water T dock and 16,000 lb boat lift, with quick access to fishing, sandbars, and sunset cruises. A dedicated kayak entry spot lets you slip into the water for a peaceful morning paddle without ever loading the car. The home offers 3 bedrooms, 3.5 baths, and 2,201 sq ft of air-conditioned living space within 3,382 sq ft under roof. One bedroom is on the first floor, ideal for guests or anyone who prefers to avoid stairs. A generous 575 sq ft pull-through garage provides room for vehicles, water toys, and storage. Inside, the open floor plan joins the kitchen, dining, and living areas into one bright, welcoming space made for gathering with family and friends. The kitchen is finished with quartz countertops and stainless steel appliances, and the water views keep you connected to the outdoors all day. Double Andersen sliders lead to the upper deck, your front-row seat for Keys sunsets. Below, the heated saltwater concrete pool invites long afternoons in the sun. A convenient downstairs half bath lets guests go from pool to powder room without tracking water through the house. Built with concrete block and stucco (CBS) construction and fitted with hurricane impact windows and doors, the home delivers lasting strength and peace of mind. Weekly rentals are permitted, opening the door to strong income potential when you're not in residence. A turnkey waterfront escape and a smart investment, all in one.

234 Pescayo Ave, Marathon
385 Orange Ave, Marathon
$799,000
3 Beds ⋅ 2 Baths ⋅ 621699 MLS
Secluded CBS Stilt house features 4 bedrooms, 3 bathrooms, and a metal roof. Surrounded by natural foliage, it sits on a 15,000 sq. ft. double lot in Crains Subdivision. This property is truly a diamond in the rough with great potential.

385 Orange Ave, Marathon
58214 Overseas Hwy, Marathon
$2,100,000
3 Beds ⋅ 3 Baths ⋅ 621687 MLS
LA PLAYA HOME, ***REDUCED, REDUCED*** YOUR SLICE OF PARADISE WITH ATLANTIC OCEAN FRONT AND OCEAN VIEWS FROM MASTER BEDROOM WITH BALCONY, KITCHEN, DINING, HUGE BALCONY OF KITCHEN AND DINING, HOME WITH UPDATES, TILE FLOORS, IMPACT WINDOWS AND DOORS, METAL ROOF, GRANITE COUNTER TOPS, UPDATED BATHROOMS, BEAUTIFUL 3 BED 2 BATH WITH MAIDS QTS, TWO CAR GARAGE, EXPANSIVE GROUNDS TO STORE RV'S AND BOATHS, PLENTY OF ROOM TO GROW, MINUTES FROM SHOPPING, DINING, GROCERY STORES, VIEW THIS OCEAN FRONT PARADISE IN GRASSY KEY.

58214 Overseas Hwy, Marathon
400 117th St, Marathon
$650,000
3 Beds ⋅ 3 Baths ⋅ 621669 MLS
Affordable Florida Keys Living in the Heart of Marathon! Discover the perfect blend of comfort, convenience, and island lifestyle at located in the desirable Little Venice neighborhood. This beautifully updated 3-bedroom, 2.5-bath home offers over 1,300 square feet of living space on a spacious corner lot with plenty of off-street parking. The fully fenced yard provides privacy and room to relax, entertain, or unwind in the hot tub after a day enjoying the Florida Keys. Thoughtfully updated throughout, this home is move-in ready and currently operates as a vacation rental, offering flexibility for a primary residence, weekend getaway, or investment property. Centrally located in Marathon, you're just minutes from local restaurants, shopping, boating, and fishing, as well as Florida Keys Marathon International Airport and Million Air for private aviation convenience. Enjoy the best of island living with Miami approximately two hours away and Key West just an hour's drive. Whether you're looking for your own piece of paradise or an investment opportunity, this property delivers the Florida Keys lifestyle at an attainable price point.

400 117th St, Marathon
9104 Aviation Blvd, Marathon
$1,499,000
4 Beds ⋅ 4 Baths ⋅ 621663 MLS
CANALFRONT DUPLEX WITH EXCELLENT BOATING & INVESTMENT POTENTIAL! Discover a fantastic opportunity to own this canalfront duplex in the heart of Marathon, offering excellent boating access and the flexibility of weekly vacation rentals! Situated on a 7,500 sq. ft. lot along an approximately 50' wide, crystal-clear canal, this property features two spacious 2-bedroom, 2-bath residences totaling 1,924 sq. ft. Each unit offers an inviting open floor plan, laundry, a private screened porch overlooking the water perfect for enjoying the tropical breezes and downstairs storage. Boating enthusiasts will appreciate the concrete dockage, with room to accommodate boats up to 36' on each side. Solid CBS construction with impact windows and standing seam metal roof. With weekly rentals permitted, this property presents outstanding income-producing potential, whether you choose to rent both residences or enjoy one while generating income from the other. Conveniently located behind the Marathon Airport with the public boat ramp close by and just minutes from dining, shopping, beautiful Sombrero Beach, and all the attractions that make Marathon a premier Florida Keys destination. An exceptional opportunity to enjoy the Keys lifestyle while capitalizing on the area's strong vacation rental appeal!

9104 Aviation Blvd, Marathon
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