Plantation Key Homes with FHA Finance Terms

Plantation Key Homes with FHA Finance Terms

Welcome to Plantation Key, a breathtaking gem nestled in the heart of the Florida Keys, located within Monroe County. Known for its stunning natural beauty and vibrant community, Plantation Key offers a unique blend of island charm and modern living. With its lush landscapes, crystal-clear waters, and abundant recreational opportunities, this island paradise is perfect for those seeking a tranquil lifestyle or a vacation retreat.

Plantation Key is renowned for its welcoming atmosphere and strong sense of community. Residents enjoy a variety of outdoor activities, from boating and fishing to kayaking and snorkeling, all set against a backdrop of stunning sunsets and serene ocean views. The island's proximity to nearby attractions, including beautiful state parks and lively local shops, ensures that there's always something to do.

For potential homeowners, Plantation Key offers a range of beautiful properties, many of which qualify for FHA financing. This financing option is particularly appealing for first-time buyers and those looking to invest in a slice of paradise without breaking the bank. With FHA loans, you can benefit from lower down payments and more flexible credit requirements, making it easier to secure your dream home in this idyllic setting.

Whether you're searching for a cozy waterfront cottage or a spacious family home, Plantation Key has something for everyone. Embrace the island lifestyle and discover the perfect home that meets your needs, all while enjoying the financial advantages of FHA financing. Your dream home in paradise awaits!

Newest Plantation Key Homes with FHA Finance Terms

$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
$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
$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
$6,000,000
4 Beds ⋅ 6 Baths ⋅ 620708 MLS
Coastal Luxury. Endless Lifestyle. A rare opportunity to own an extraordinary Plantation Key waterfront estate where captivating ocean views, 140 feet of protected dockage, direct Atlantic access, and exceptional craftsmanship come together in perfect harmony. Privately tucked away on a quiet cul-de-sac, this stunning coastal residence was thoughtfully designed for those who appreciate effortless luxury both on and off the water. Filled with natural light, the open-concept floor plan showcases soaring ceilings, walls of glass, and seamless indoor-outdoor living that frames beautiful water views throughout the home. At the heart of the residence, the gourmet chef's kitchen is beautifully appointed with premium appliances, including dual ovens, two dishwashers, generous preparation space, and an oversized island that effortlessly connects the living and dining areas, creating the perfect setting for entertaining family and friends. Step outside to an expansive covered terrace complete with a built-in barbecue, outdoor refrigerator, and multiple gathering spaces overlooking the resort-style saltwater pool and spa, lush tropical landscaping, and tranquil waterfront. Whether hosting sunset cocktails or enjoying a quiet morning coffee, every space has been designed to embrace the relaxed elegance of the Florida Keys. The thoughtfully designed floor plan offers four spacious bedrooms, four full baths, two half baths, a private elevator, and a luxurious primary suite featuring separate his-and-her walk-in closets. A spacious secondary living area, currently enjoyed as a waterfront fitness studio, offers endless possibilities as a media room, family room, home office, or guest retreat. For boating enthusiasts, this property is truly exceptional. Boasting 140 feet of protected dockage, a boat lift, five garages with direct canal-side access, and quick, easy access to the Atlantic Ocean, it is perfectly suited for everything from offshore fishing adventures to leisurely days on the water. Surrounded by beautifully established tropical gardens with irrigation and meticulously maintained grounds, this remarkable waterfront estate offers the perfect balance of privacy, sophistication, and relaxed coastal living

202 Plantation Shores Dr, Tavernier
$1,049,500
3 Beds ⋅ 2 Baths ⋅ 620610 MLS
Gorgeous 3 bedroom 2 bathroom home on a spacious corner lot, with plenty of room for boats and RVs. Updated and remodeled bathrooms, open concept kitchen, laundry room and stainless steel appliances . This property is situated in one of the highest elevations in the area, Property is surrounded by beautiful mature trees and it has an in-ground heated pool, lots of space to enjoy the open air, just a block away from the community park and boat ramp. Enjoy ramp access for boat launching, fishing, kayaking or to just take in a spectacular sunset on the water! You can either walk, bike, or take a ride on a golf cart to the park/ramp area. You also have nearby, Founder's Park, with excellent recreation, boat ramp access, public beach, a huge pool as well as several local festivals throughout the year, FREE for local residents. Property features a VOLUNTARY HOA, $250 annually. Seller offering $10K in contributions towards buyer's closing costs!

157 Navajo St, Tavernier
$3,750,000
4 Beds ⋅ 5 Baths ⋅ 620543 MLS
Experience the ultimate Florida Keys waterfront lifestyle in this exceptional BayFront retreat located in the prestigious Sunshine Estates community on Plantation Key. Situated on a private 12,565 sq. ft. lot with 100 feet of pristine bay frontage and 50 feet of deep-water dockage, this contemporary CBS home offers breathtaking open bay views and quick ocean access via Tavernier Creek. Thoughtfully designed in a distinctive V-shaped layout to maximize privacy and showcase water views from nearly every room, the home features 4 bedrooms and 4 bathrooms, including 3 en-suite bedrooms. The spacious open-concept living area boasts soaring vaulted ceilings with exposed wood beams, recessed lighting, rich oakwood flooring, and elegant marble finishes throughout the bedrooms and bathrooms. Built-in shelving adds both style and functionality, while the oversized laundry room and pantry include a convenient dumbwaiter. The ground level is designed for entertaining, offering parking for up to four vehicles, a spacious recreation room, cabana bath, and summer kitchen that seamlessly blend indoor and outdoor living. Enjoy world-class boating, fishing, lobstering, paddleboarding, and water sports right from your backyard. Ideally located just minutes from restaurants, shopping, and schools, this home is approximately 40 minutes from the Florida Turnpike and perfectly positioned at Mile Marker 91. Whether you're seeking a full-time residence or a luxury Keys getaway, this remarkable waterfront property delivers the best of island living.

154 Redwing Rd, Tavernier
$2,899,000
4 Beds ⋅ 4 Baths ⋅ 620278 MLS
Exceptional investment and lifestyle opportunity in the heart of Plantation Key. This offering includes a triplex income property together with the adjacent multifamily lot, giving you both immediate rental income and room to grow. In the Village of Islamorada, it is rare to find side-by-side multifamily parcels in such a convenient, desirable Upper Keys neighborhood. 127 Monroe Drive is a concrete triplex of roughly 2,400 sq ft on a 7,500 sq ft lot, with 3 rental units (1/1, 1/1, 2/2), full kitchens and baths, abundant on-site parking, and comfortable outdoor living areas. Units 1 and 3 were renovated with fresh finishes and updated interiors that attract solid tenants and keep maintenance in check. In 2025, the dock electric was upgraded with a dedicated meter for the dock power, one on each property. Next door, 121 Monroe Drive is an additional multifamily parcel of about 7,500 sq ft, now vacant and ready for your next phase of development. Consider adding more units, a pool, covered parking with storage, or enhanced outdoor spaces to create a cohesive compound and boost rental revenue. Multifamily waterfront land in Islamorada is limited, and demand for quality rentals remains strong. With recent upgrades already completed and easy access to the mainland, this combined offering is a great opportunity for investors, 1031 buyers, or owner-operators who want a flexible Keys property with income today and room for future build-out and long-term appreciation. Free access to Founders Park, with sandy beach, swimming pool, boat ramp, playground, tennis, pickleball, walking paths, sports fields, dog park and daily fun activities and regular events.

127 & 121 Monroe Dr Unit 1-3, Tavernier
$1,095,000
5 Beds ⋅ 3 Baths ⋅ 619499 MLS
Live the Florida Keys Lifestyle in Your Dream Home Experience the perfect blend of elegance, functionality, and laid-back tropical living in this beautifully designed Florida Keys-style home. The open-concept floor plan creates a seamless flow between the living, dining, kitchen, and loft areas--ideal for both everyday living and entertaining. The spacious primary suite offers a private retreat, complete with a custom ensuite bathroom featuring a luxurious rain shower--perfect for your own spa-like escape. Generously sized guest bedrooms and three full bathrooms ensure comfort and convenience for family and visitors alike. At the heart of the home, the expansive kitchen provides abundant workspace for everything from quick meals to gourmet cooking, all while staying connected to guests in the open living space. Above, a versatile loft adds architectural charm and flexibility--ideal for a home office, media room, or creative studio. Additional highlights include: Separate laundry room for added organization Detached garage with attic storage--perfect for a vehicle, boat, or potential guest conversion Attached storage shed for tools, toys, or future expansion Street-to-street access for easy parking and convenience Plenty of room to design your own private pool and outdoor oasis Enjoy cost savings with insulated glass windows and French doors that fill the home with natural light while enhancing energy efficiency. Step outside and unwind in your private tropical setting--perfect for entertaining, relaxing under the stars, or enjoying quiet moments with friends and family. Ideally located near shopping, dining, schools, and medical facilities, with convenient access to both the bay and ocean via Tavernier Creek. Welcome to your slice of paradise.

106 Gardenia Ave, Tavernier
$745,000
4 Beds ⋅ 3 Baths ⋅ 619243 MLS
Stunning 4-bedroom, 3-bathroom home, recently renovated to perfection. This modern masterpiece is located in the highly desirable X flood zone, offering peace of mind and lower insurance costs. Step inside to a bright, airy floor plan that blends classic design with the relaxed Keys lifestyle. Soaring ceilings and abundant natural light create an open, welcoming feel throughout the living areas, beautifully complemented by custom LED lighting.The open-concept gourmet kitchen features stylish finishes, stainless steel appliances, quartz countertops, and a large island that's perfect for entertaining. The luxurious primary suite includes a spacious en-suite bathroom with a walk-in shower. Three additional bedrooms provide plenty of flexible space for family, guests, or a home office. New flooring and contemporary fixtures complete the fresh, move-in-ready interior. Outside, enjoy a large screened-in porch ideal for relaxing or hosting gatherings, plus an expansive backyard with room to add a pool and beautiful views of swaying palms and endless blue skies. Residents of Edenaire enjoy exclusive access to the community park, which includes a fenced picnic area, grill, trailer parking, boat ramp, and 72-hour dockage--giving you direct access to Tavernier Creek, the ocean, and the bay for boating, fishing, paddleboarding, and more. You will not find a 4 Bed 3 Bath home fort this price and in this neighborhood. X Flood, 2021 Roof. This property is currently rented and requires at least 24 hours' notice for all showings. Contact agent for lease details.

178 Coral Ave, Tavernier
$775,000
2 Beds ⋅ 2 Baths ⋅ 618895 MLS
The first thing you notice as you walk up to this home is the view, bright blue ocean over green treetops. Step inside and it opens up even more: ocean, sky, and a wide lagoon with a sandy beach below. Sunset here is stunning. This very spacious 2 bedroom, 2 bath end-unit condo offers 1,330 square feet of single-level living with windows on three sides! Located on the second floor, above covered parking, it's that just-right height that makes all the difference. High enough for the views and breezes, without feeling disconnected. Access is easy by elevator or stairs. The oversized screened porch takes full advantage of the ocean and lagoon views and truly extends your living space. Inside, the home has been thoughtfully upgraded for both style and peace of mind. Gorgeous wood-plank tile flows seamlessly throughout the entire condo, including the expansive screened porch, creating a clean coastal look with easy maintenance. The bright kitchen features quartz countertops and stainless appliances - fresh, modern, and functional. Bathrooms have been tastefully updated, the electrical system has been upgraded, and hurricane impact windows and doors provide security and efficiency. Patio surrounded by smoothly operating accordion shutters. A tankless hot water heater adds to the home's smart improvements. You'll also appreciate the recently expanded storage closets and pantry space - something you don't always find in condo living. The community is shady, green, and peaceful. Amenities include a full-service marina (yes, even fuel) with long-term dockage available, waterfront pool, clubhouse, tennis and pickleball courts - soon to be lit for night play. Pets are welcome here. Coral Harbour Club is just five minutes from Founders Park, with its bay front beach, sports programs, dog park, and year-round community events. An updated, move-in ready condo with real ocean views, boating access, and one of the best locations in the Upper Keys. This one is worth seeing in person!

88181 Old Hwy Unit F24, Islamorada
$399,000
2 Beds ⋅ 1 Baths ⋅ 618336 MLS
This two bedroom, one bathroom home within the Village of Islamorada is perfectly situated with close proximity to the Florida Bay and breathtaking bay and sunset views! Property is on a 3,600 SF parcel. A large screened porch is attached for lovely outdoor living. Separate laundry facility and storage building on site. Also included is a Keys style concrete guest cottage behind the home. This property has an immediate building right should you choose to demo and rebuild. A quote is available to demo and re-build a 1,169 SF, three bedroom, three bathroom new modular residence. The home is conveniently located near Founders Park, restaurants, schools and shopping. This is a fantastic opportunity to find your place in the Florida Keys!

135 Airstream Ln, Tavernier
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