Plantation Key Homes with Conventional Finance Terms

Plantation Key Homes with Conventional Finance Terms

Welcome to Plantation Key, a stunning gem nestled in the heart of the Florida Keys, Monroe County. This enchanting island is a paradise for those seeking a blend of natural beauty, vibrant culture, and a laid-back lifestyle. With its crystal-clear waters, lush tropical landscapes, and abundant recreational opportunities, Plantation Key is the perfect place to call home.

The island boasts a diverse range of homes, many of which are available with conventional financing options, making it accessible for a variety of buyers. Whether you’re looking for a cozy waterfront cottage, a luxurious estate with panoramic ocean views, or a charming family home surrounded by nature, Plantation Key has something to suit every taste and budget. The real estate market here is thriving, with properties that offer not only comfort but also the opportunity to invest in a lifestyle that many only dream of.

Living in Plantation Key means enjoying a myriad of outdoor activities, from boating and fishing to kayaking and snorkeling in the vibrant coral reefs. The island is also home to a rich community of artists, local eateries, and shops, providing a unique cultural experience that enhances the charm of island living.

With its friendly atmosphere and stunning surroundings, Plantation Key is more than just a place to live; it’s a lifestyle choice. Discover your dream home in this tropical paradise today, where conventional financing options make it easier than ever to start your new adventure in the Florida Keys!

Newest Plantation Key Homes with Conventional Finance Terms

$487,500
2 Beds ⋅ 2 Baths ⋅ 621201 MLS
Welcome to your Florida Keys retreat at Summer Sea! Enjoy bay views from your private open deck area. This 2-bedroom, 1.5-bath condo offers updates throughout and coastal living in the highly sought-after, gated Summer Sea community. Bright, stylish, and filled with natural light, this home is your key to island paradise. Unwind while soaking in breathtaking sunsets from the private beach or the rooftop observation deck with panoramic views of the Florida Keys. Community resort-style amenities include a heated/chilled swimming pool, fully equipped fitness center, on-site storage, and a shared freezer/ice machine. Boaters take note: first-come, first-served dockage accommodates vessels up to 26 ft (tip-to-tip) with quick, easy access to the backcountry and open ocean. Spend your days fishing, kayaking, paddleboarding, or diving in crystal-clear waters. Located just minutes from dining, shops, and local favorites.

88500 Overseas Highway Unit 407, Tavernier
$739,000
2 Beds ⋅ 2 Baths ⋅ 621182 MLS
CBS home on a large lot in Islamorada's desirable Edenaire! This concrete 2 bedroom, 2 bath house has a metal roof, impact windows and doors, and is in an X flood zone. Highly sought after Edenaire subdivision offers voluntary membership to one of the best homeowners parks in Islamorada offering a private boat ramp & 72 hour dockage for your boat! Easy, direct access to either Florida Bay or the Atlantic Ocean via Tavernier Creek. This solid home has lots of recent upgrades including all new interior doors, fresh interior paint, and landscaping. The kitchen has granite countertops and wood cabinets, a stainless range hood over the island, and the fridge is brand new never used. The fully fenced yard offers plenty of space out back for entertaining, swing sets, or a pool! There's also a roomy shed for convenient storage. The paver driveway leads directly up to this ground level home with plenty of parking in the front for your boat and trailer. This is a fantastic opportunity to live in Plantation Key as a full time residence or a weekend getaway! Just minutes away from tons of popular Islamorada shopping, restaurants, and schools. Island life awaits!

124 Coral Ave, Tavernier
$3,700,000
3 Beds ⋅ 3 Baths ⋅ 621153 MLS
Private. Luxurious. Waterfront. Boater-focused. This is more than a home it is an opportunity to experience the Florida Keys exactly as they were meant to be enjoyed. This stunning 3-bedroom, 3-bath Waterfront - Pool home nestled within a private gated community and offers an exceptional combination of sophisticated upgrades and effortless ocean access. This property is designed with the discerning boater in mind, the property features a large, navigable basin offering easy access to the ocean or the Florida bay through one of the near by cuts making it an ideal home base for fishing, diving, cruising, and exploring the Florida Keys and beyond. With two boat lifts and a floating dock, your vessels are securely accommodated and ready for your next adventure. Inside, the home showcases beautiful luxury upgrades, thoughtfully designed for both elegant entertaining and comfortable island living. Expansive impact windows invite abundant natural light while providing peace of mind. As if this was not enough, this property has a roof top deck where you will have beautiful views of the sunrise sky in the morning and enjoy the sunset sky at night. Whether you're enjoying a quiet morning on the water, entertaining friends and family, or heading out for an offshore adventure, this exceptional property delivers the quintessential Islamorada lifestyle. Boat lift 1 -30,000# can accommodate up to apx. a 42 ft Center Console boat. Lift 2 20,000# can accommodate up to apx. a 36 ft. Center Console boat. There is also a floating dock for additional watercraft. Home was Originally built in 1987 Property appraiser shows Effective Year Built 2018.

313 North Dr, Islamorada
$2,250,000
3 Beds ⋅ 3 Baths ⋅ 621121 MLS
Welcome to your private island home retreat, The Belle House. Highlighted on the Netflix series Bloodline as the home of Kevin & Belle Rayburn. Set on an expansive half-acre double lot enveloped by lush, tropical native plantings, this beautifully updated home offers a rare combination of privacy, tranquility, & effortless Keys living. This home offers room to breathe, unwind & genuinely enjoy your surroundings. Mature landscaping creates a secluded, garden-like setting that feels more like a private resort than a traditional residential property. Featured on the Upper Keys 40th Anniversary Garden Walk, this concrete home with metal roof, Anderson impact windows & doors throughout, & lovely, relaxing wraparound porch is situated in an X flood zone. The neighborhood boasts one of Islamorada's nicest homeowners' parks offering a boat ramp, temporary dockage, a beach & wade in swimming area. Depart from your driveway, launch your boat, & be in Florida Bay in under 10 minutes! Located walking distance to Islamorada's Founder's Park. The interior provides casual, timeless elegance with vaulted ceilings & hand sculpted walnut flooring. The main level consists of free-flowing living & dining, chef's kitchen featuring Wolf, Sub Zero & Meile appliances with honed granite countertops, large pantry/laundry area, very spacious primary suite, as well as guest bedroom, bath and under stair storage. The second level provides privacy for your guests or older children, offering a second guest bedroom and bath as well as a sitting room with mini fridge and breakfast bar. This area could easily transition into a 4th bedroom. There is a detached, all concrete garage on the second lot w/ ample space for parking a flats boat and RV ready with 30-amp service. Two driveways provide plenty of parking for multiple vehicles. This unique home is move in ready. It has been beautifully maintained and cared for and is ready for you and your family to make new memories on Palm Lane!

130 Palm Ln, Islamorada
$2,500,000
3 Beds ⋅ 3 Baths ⋅ 621119 MLS
OCEAN ACCESS WATERFRONT OPPORTUNITY IN VENETIAN SHORES! Immaculate 2-story CBS concrete home offering the ultimate Florida Keys lifestyle! Situated on a 100' wide deep-water canal with NO FIXED BRIDGES and direct access to both the Atlantic Ocean and Florida Bay via Snake Creek, this is a boater's dream. Minutes to open water with a private dock featuring power and davits, perfect for large boats. This spacious home features 3 bedrooms, 2.5 baths with a flexible floor plan. The first floor offers 2 bedrooms, 1 full bath, family room, and bar area, while the second floor features the primary suite, oversized kitchen, dining room, laundry room, and half bath to maximize the spectacular waterfront views. Enjoy breathtaking sunsets and tropical breezes from the expansive wraparound covered porch. Additional features include beautiful hardwood floors, an oversized kitchen ideal for entertaining, brand-new saltwater pool (2026), three large exterior storage rooms, circular driveway, and fresh exterior paint (2025). Lovingly maintained and in immaculate condition, this home is ready for your personal updates to create the ultimate Keys retreat. Located in the highly desirable Venetian Shores community, known for its deep, wide canals, outstanding boating access, and optional homeowners association. Whether you're looking for a full-time residence, weekend getaway, or luxury waterfront escape, this is a rare opportunity to own in one of Islamorada's premier boating communities.

107 Valencia Dr, Islamorada
$3,952,000
5 Beds ⋅ 3 Baths ⋅ 621117 MLS
THIS UPDATED BEAUTY LOCATED IN RENOWNED VENETIAN SHORES IS A TRUE MUST SEE!! LOCATED IN ONE OF VENETIAN SHORES MOST EXCLUSIVE LOCATIONS GIARDINO DRIVE. UPSTAIRS: THREE BEDROOMS AND TWO SPACIOUS BATHROOMS !! COMFORTABLE LIVING ROOM AND DINING ROOM AREA WITH ACCESS TO A LARGE SCREENED IN PORCH WITH BEAUTIFUL WATERFRONT VIEWS !! LARGE KITCHEN WITH BEAUTIFUL CONNECTED ISLAND AND STATE OF THE ART COUNTERTOPS; MODERN APPLIANCES !! WET BAR AND WINE CELLAR CABINET !! INDEPENDENT INDOOR LAUNDRY ROOM WITH PLENTY OF STORAGE !! CUSTOM CLOSETS THROUGHOUT. HIGH END CEILING FANS THROUGHOUT THE ENTIRE HOME !! NEW EFFICIENT A/C !! INDEPENDENT DOWNSTAIRS: TWO SPACIOUS BEDROOMS AND ONE BATHROOM, CUSTOM CLOSETS !! KITCHENETTE WITH MICROWAVE, REFRIGERATOR, SINK AND FILTERED WATER WITH LOTS OF STORAGE SPACE !! LARGE SCREENED IN PORCH WITH GREAT WATERFRONT VIEWS !! OUTDOOR FEATURES: 100 FEET OF WATERFRONT WITH TWO BOAT LIFTS !! UPDATED FLOOR DECK AND LIGHTING. THREE DOORS DOWN FROM SNAKE CREEK WITH EASY ACCESS TO BAYSIDE AND ATLANTIC !! (2) BOAT LIFTS 14,000 LB. AND 10000 LB. FISH CLEANING STATION WITH WATER AND POWER ACCESS WITH LOTS OF STORAGE. LARGE HEATED POOL ( NEW POOL PUMP ) WITH FIRE WATERFALL AND FIREPIT. OUTDOOR POOL SHOWER. GAS TIKI TORCHES AROUND THE POOL AREA !! LARGE TIKI HUT WITH TV AND FAN AND WITH POWER ACCESS. LARGE AREA OF ARTIFICIAL GRASS WITH A FIVE HOLE PUTTING GREEN !! ROOF TOP DECK WITH BEAUTIFUL VIEWS !! LUSH LANDSCAPING THROUGHOUT !! SAFETY,CONVENIENCE, ENERGY FEATURES: CONCRETE ROOF. IMPACT WINDOWS AND DOORS THROUGHOUT THE ENTIRE HOME !! ELECTRIC ROLLER SHUTTERS ON BOTH PORCHES !! SOLAR PANELS THAT POWER THE ENTIRE HOME ( CURRENT CREDIT WITH POWER CO-OP ). TWO TESLA BATTERIES FOR POWER STORAGE, ELECTRIC CAR CHARGER !! TOTALLY FENCED FRONT/BACK; ELEVATOR, ONE CAR GARAGE AND A CARPORT. 2 LARGE STORAGE AREAS. NEAR FOUNDERS PARK AND GREAT RESTAURANTS IN ISLAMORADA. RUN DON'T WALK, THIS A TRUE MUST SEE FOR ANY ISLAMORADA BUYER!!!

148 Giardino Dr, Islamorada
$999,988
3 Beds ⋅ 2 Baths ⋅ 621110 MLS
OCEANFRONT PENTHOUSE -- STRONG RENTAL INCOME. Welcome to PH701 at Sea Gulls, a rare and incredibly unique 3-bed, 2-bath oceanfront penthouse. With over 2,100 sq ft of living space and two expansive private balconies, this top-floor residence offers panoramic ocean views from every room. Offered FULLY FURNISHED and turnkey, this property has excellent rental income potential and is a high-performing investment. The open layout is light, breezy, and perfect for entertaining, complete with in-unit laundry. As one of just two penthouses in the building, PH701 provides exceptional privacy and prestige. Sea Gulls offers resort-style amenities including an oceanfront gym, heated seaside pool, kayak launch/storage, clubhouse, and secure access. Located in the heart of Tavernier near dining, shops, and schools, this penthouse combines luxury, income potential, and lifestyle flexibility. Don't miss your chance--schedule a private tour today!

200 Wrenn St Unit PH 701, Islamorada
$2,400,000
3 Beds ⋅ 4 Baths ⋅ 621073 MLS
Simply the best location, exclusive & extremely private. This is a rare find and a single-family home that's rarely available. It's tucked away in the prestigious ''Plantation Lake Estates,'' a highly sought-after gated community with an on-site boat ramp and park. This Coastal-Styled Beach Home is in a prime location at Mile Marker 87, across the street from Founders Park, which has a beach, tennis courts, a full-service marina, a dog park, sports fields, and Olympic-size lap pools. This home boasts a stunning great room with a gorgeous coral fireplace and soaring wood beam ceilings. They all overlook the glistening Atlantic Ocean, providing priceless views and sunrises. The home has a metal roof, a modern kitchen, updated baths, and impact windows and doors. The exterior has been reinforced with rebar and stucco. There are three inviting bedrooms, including a third-floor master en-suite with a private porch. A large ''rec room'' with a cabana kitchen is perfect for indoor-outdoor entertaining. You'll have world-class fishing and diving right in your own backyard.

316 North Dr, Islamorada
$427,000
2 Beds ⋅ 2 Baths ⋅ 620997 MLS
BEAUTIFUL CONDO WITH OCEAN VIEWS FOR LESS THAN $430,000! LIVE THE DREAM IN THIS OCEANFRONT RESORT STYLE PROPERTY IN THE HIGHLY DESIRABLE PLANTATION BY THE SEA ON THE OCEAN IN THE BEAUTIFUL FLORIDA KEYS! LOCATED ON HIGHLY SOUGHT AFTER MILLIONAIRES ROW! UPON ENTERING THIS GATED COMMUNITY, THE OCEAN GREETS YOU AS YOU PARK IN YOUR DESIGNATED COVERED PARKING SPACE. UPON ENTERING YOUR CONDO, THIS PARTIALLY UPDATED CONDO WITH OPEN CONCEPT KITCHEN, WELCOMES YOUR HOME TO A CHEF'S DREAM KITCHEN WITH PLENTY OF CABINET SPACE. NEW WATER HEATER, SCREENED IN PATIO ON THE FIRST FLOOR AND GORGEOUS OCEAN VIEWS FROM THE SECOND FLOOR. CLUBHOUSE/COMMUNITY ROOM, FITNESS ROOM, SAUNA, KAYAK STORAGE, LONG AND WIDE FISHING PIER/DOCK ALLOWS YOU TO TIE UP YOUR BOAT FOR LOADING AND UNLOADING WALK TO WORLD CLASS RESTAURANTS, SHOPPING, AND FOUNDER'S PARK. ALL ARE CLOSE! TAKE ADVANTAGE OF THIS AMAZING OPPORTUNITY TO LIVE FULL TIME WHERE OTHERS VACATION, OR START A VACATION RENTAL BUSINESS HERE IN THE BEAUTIFUL FLORIDA KEYS!

87455 Old Hwy Unit 248, Islamorada
$6,195,000
4 Beds ⋅ 5 Baths ⋅ 620986 MLS
Experience the ultimate Islamorada waterfront lifestyle in an exceptional contemporary custom bayfront residence, designed by its current owners, with sophisticated architecture, exceptional construction, and premier boating amenities. Perfectly positioned on a cul-de-sac to capture spectacular year-round sunsets across Florida Bay, the tri-level residence offers approx. 3,200 Sqft of living space, an additional 800 Sqft of covered, tiled balconies, four bedrooms, each with an en suite bathroom, plus a convenient half bath. Natural stone flooring, custom cabinetry, quality finishes, and an elevator serving all interior living levels. Built for lasting durability, the home features reinforced concrete construction, galvanized reinforcing steel, a solid concrete roof, impact windows & doors plus automatic hurricane curtains protecting the main waterfront terrace. The spectacular 1,400 Sqft rooftop sun deck crowns the residence, showcasing panoramic views across Florida Bay, unforgettable year-round sunsets, & a fire pit for entertaining or relaxing under the stars. Designed for the boating enthusiast, the property offers immediate deep-water access, two boat lifts at +/- 25,000 and 12,000 pounds, and an enclosed tackle room/workshop for fishing gear and marine equipment. Low-maintenance grounds feature artificial turf, coral rock hardscaping, and irrigated tropical landscaping. The spacious backyard offers ample room for a future resort-style pool overlooking Florida Bay adjacent to the existing chickee hut. A spacious double covered carport with 9.5-foot ceilings provides generous parking for multiple vehicles, trailers, golf carts & recreational equipment. Combining contemporary custom design, exceptional concrete construction, expansive indoor/outdoor living, premier boating amenities, breathtaking sunset views, and endless opportunities for waterfront entertaining, the residence represents luxurious bayfront living at its finest in the Florida Keys.

144 N Rolling Hill Rd, Islamorada
$749,000
2 Beds ⋅ 2 Baths ⋅ 620947 MLS
BEAUTIFUL PLANTATION KEY COLONY 2BR-2BA CBS Block Construction with a Brand New Metal Roof, featuring a PRIVATE COMMUNITY BOAT RAMP with a Low Voluntary $250 Yearly Fee at MM90 Bayside in Tavernier. The Private Community Boat Ramp is located 5 minutes to Tavernier Creek Bayside entrance, with Ocean access in 15 minutes. Tavernier Creek is the gateway to the Gulfstream and Patch Reefs featuring World Class Fishing and Diving. The Bayside also features excellent Flats Fishing, Diving, and Water Sports Fun: Water Skiing, Jet Skiing, Kayaking, and Paddle Boarding. The Community Bayfront Park also features a Beach and Picnic Aerea. Plenty of room to park Boats, Trailers, and RVs. Excellent location, minutes to Key Largo and the Village of Islamorada. Easy commute to Miami and the Miami International Airport. Plantation Key Colony - Paradise Awaits!

207 Hibiscus St, Tavernier
$795,000
2 Beds ⋅ 3 Baths ⋅ 620945 MLS
Island Opportunity is knocking! Enjoy your own Islamorada vacation home...with the option to generate excellent rental income when you're not using it. Set in a private, peaceful oceanfront community of just 10 townhomes, you'll have a beach, pool and your own slip for boat up to 30'. Spend the day on the water, relax by the pool or head up to the rooftop deck for ocean breezes & a peekaboo water view. There are four balconies - so you can enjoy some shade at any time of day. Although this seller never rented, the home is eligible for a coveted weekly rental license, giving a new owner the flexibility to enjoy it personally while also taking advantage of the strong Keys vacation rental market. The 2 bedroom, 2.5 bath townhome has a comfortable layout, with a private bath for each bedroom, a half bath on the main living level, and *straight interior* stairs rather than a spiral staircase. It's also refreshingly low maintenance, with concrete construction, a concrete roof, impact windows and doors, and an HOA that takes care of the grounds. Because this is a townhome rather than a condo, owners choose how much insurance to carry, and current insurance costs are surprisingly low. It's even in an X flood zone, so no flood insurance is required. Covered parking and an entry from underneath the home are two more practical touches that make coming and going easy, rain or shine. Trailer/boat storage is allowed under the home. The location works just as well by water as it does by land, with fantastic fishing and diving just steps from home and a great Old Highway location close to Founders Park, restaurants and everything you come to Islamorada to enjoy. Breezy and relaxed when you're here, with the ability to generate income when you're not. It's a rare and excellent combination.. good for your heart and your wallet.

136 Aregood Ln, Islamorada
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