Ramrod Key Homes with FHA Finance Terms

Ramrod Key Homes with FHA Finance Terms

Welcome to Ramrod Key, a hidden gem nestled in the heart of the Florida Keys! This enchanting island, located in Monroe County, offers a unique blend of natural beauty, vibrant community spirit, and a laid-back lifestyle that is hard to resist. With its pristine waters, lush landscapes, and stunning sunsets, Ramrod Key is the perfect retreat for those seeking tranquility and adventure alike.

The island boasts a variety of homes that cater to diverse lifestyles and budgets, making it an ideal destination for first-time buyers, retirees, and anyone looking to invest in a slice of paradise. One of the standout features of Ramrod Key real estate is the availability of FHA financing options. This means that you can secure your dream home with more flexible terms, making it easier to step into homeownership in this idyllic locale.

Imagine waking up to the gentle sound of waves lapping against the shore, enjoying morning coffee on your sun-kissed patio, and spending your afternoons exploring the nearby coral reefs or indulging in water sports. Ramrod Key is not just a place to live; it’s a lifestyle filled with outdoor adventures, community events, and the warmth of island living.

With a strong sense of community and a plethora of recreational activities, Ramrod Key is more than just a destination; it’s a place where memories are made. Whether you’re looking for a cozy waterfront cottage or a spacious family home, Ramrod Key has something for everyone. Come and discover the magic of island life today!

Newest Ramrod Key Homes with FHA Finance Terms

27416 Cayman Ln, Ramrod
$999,000
2 Beds ⋅ 2 Baths ⋅ 621701 MLS
Your boat, your backyard, the Atlantic just beyond the canal. Welcome to Breezeswept Dockside Retreat, a turnkey waterfront home on Ramrod Key designed for those who want to make the most of the Florida Keys boating, fishing, and diving lifestyle. With no-bridge ocean and gulf access, this property puts the Lower Keys' renowned fishing grounds, Looe Key Reef, backcountry waters, sandbars, and nearby Picnic Island within reach. The 40' wide canal offers approximately 3' control depth, with a fuel stop and dive shop conveniently located at its north end. The waterfront setup is ready for your next adventure, featuring 60' of composite dockage (2022), a 14,000-lb boat lift, and a 6,000-lb boat lift (both 2022). Whether you're heading offshore to fish, exploring the reefs, or cruising the backcountry, your next day on the water starts right at home. Back on shore, relax in the private saltwater pool, entertain on the spacious deck, or unwind on the full-length covered verandah overlooking the canal. The open-concept living area connects indoor comfort with the outdoor setting, while tropical landscaping adds to the island feel. Offered fully furnished and turnkey, this home is ready for your personal Keys escape, full-time living, or vacation rental use. Features: Saltwater pool (2019); metal roof (2018); central A/C (2022); lower enclosure (2021); 28-day minimum rentals permitted; voluntary HOA. Wind/homeowners insurance under $7,000 annually, plus an assumable flood policy of $520. If your ideal Keys day starts with a boat ride and ends with a swim in your own pool, Breezeswept Dockside Retreat deserves a closer look.

27416 Cayman Ln, Ramrod
27322 Saint Martin Ln, Ramrod
$985,000
3 Beds ⋅ 1 Baths ⋅ 621638 MLS
Discover exceptional peace of mind in this meticulously maintained, upgraded & truly move-in-ready waterfront home! Thoughtfully improved with an emphasis on quality, efficiency & storm protection, this property offers island living without the immediate expense & hassle of major renovations. The wide-open floor plan showcases beautiful soaring wood ceilings, a stunning slate accent wall, custom solid wood doors & LifeProof plank flooring throughout. The updated kitchen features custom solid maple cabinetry with soft-close drawers, quartz countertops & new appliances, while the beautifully renovated bathroom boasts floor-to-ceiling porcelain tile with designer details. Freshly painted & exceptionally well cared for, this home features a new 3-ton, 18 SEER Daikin Fit HVAC system with all-new ductwork & 4 years of remaining warranty. The 2023 metal roof includes reinforced roof-to-wall attachments, secondary water resistance & high-density foam insulation. Impact windows & doors, supplemented by additional shutters, provide multiple layers of storm protection. Boaters will appreciate 51' of dockage (35' concrete & 16' wood), a 10,000 lb boat lift installed in 2024 & quick access to Looe Key Reef, world-class fishing, diving, the backcountry, sandbars & waterfront dining. Enjoy beautiful sunsets & salt pond views from the rear deck, with no immediate neighbors directly in front or behind. Additional features include an outdoor shower, 50-amp RV/EV hookup & abundant parking for boats, RVs & trailers. The spacious property offers tremendous flexibility for future expansion, including room for a pool, additional living space or reconfiguration into a 2/2 or potentially 3/2 layout. The downstairs area also offers potential for FULL enclosure. Whether seeking a full-time residence or island getaway, this is an exceptional opportunity to own a beautifully maintained, extensively improved waterfront property that's ready to enjoy from day one! Windstorm-$3,894, HO-$650 +/-

27322 Saint Martin Ln, Ramrod
27398 Saint Vincent Ln, Ramrod
$995,000
2 Beds ⋅ 2 Baths ⋅ 621603 MLS
MOVE-IN-READY-FLORIDA KEYS WATERFRONT ON A 12,000 SF DOUBLE LOT FOR UNDER $1 MILLION! Meticulously maintained 2-bedroom, 2-bathroom home in desirable Breezeswept Beach Estates, featuring 60' of dockage, a 10,000 lb. boat lift, direct ocean/bay access & room for a pool! Situated on a 12,000 SF DOUBLE LOT (100' x 120'), currently held as one parcel, this property offers exceptional space & versatility. Move-in-ready home features 1,008 SF under air, 2,964 SF total, vaulted ceilings, open floor plan & an oversized screened outdoor living area overlooking tropical landscaping. Ideal for boating enthusiasts, the location provides convenient access to world-class fishing, diving, sandbars, open water, & dining. Improvements & storm protection features include a 2018 metal roof, Class A accordion shutters, energy-efficient windows & doors, painted cedar siding & generator hookup. Additional features include a downstairs storage enclosure, paved driveway, irrigation system, outdoor shower & storage shed. The expansive double lot provides room to expand the existing home, add a pool or explore subdividing the property & constructing an additional residence, subject to applicable approvals, ROGO allocation & permitting. Whether you're seeking a primary residence, seasonal retreat or waterfront investment, this property delivers a rare combination of boating access, land & future potential at an unbeatable price point! INSURANCE- Windstorm $4,498, Flood $999 (assumable), Homeowners $1,017

27398 Saint Vincent Ln, Ramrod
27383 Saint Martin Ln, Ramrod
$1,399,000
4 Beds ⋅ 3 Baths ⋅ 621339 MLS
Offering twice the space and an exceptional waterfront lifestyle, this 4 bedroom, 3 bath Ramrod Key home offers 2,242 sq. ft. of living space on a 6,000 sq. ft. canal-front lot and includes the adjacent 6,000 sq. ft. lot, creating a combined 12,000 sq. ft. property with plenty of room to enjoy the Florida Keys lifestyle. Boaters will appreciate the 10,000 lb. boat lift, while brand-new Trex dock provides a fresh setting for days spent along the water. Designed with family and guests in mind, the main level features a welcoming living room with a fireplace and direct access to the rear deck overlooking the canal. A well-appointed kitchen is complemented by a conveniently located pantry and laundry area just off the kitchen, while a guest bedroom and full bath complete this level. Upstairs, the primary ensuite offers its own fireplace, creating a comfortable private retreat. Two additional guest bedrooms feature balcony access, while a bonus living room provides a versatile second gathering space with direct access to the upper rear deck. With waterfront decks extending from both living areas, the home makes it easy to transition from indoor living to the outdoors and enjoy the canal views. A spacious 2-car garage provides abundant room for vehicles, boating gear and recreational equipment, complemented by 658 sq. ft. of permitted downstairs storage. A metal roof installed in 2017 adds another notable feature to the home. Whether gathering across multiple living areas, relaxing on the waterfront decks or heading out by boat for a day on the water, this property offers the space and versatility to make the most of life in the Keys. With an adjacent lot included in the sale, generous storage and a layout made for spending time together, it is easy to see why the sellers describe it simply as ''the perfect family house.''

27383 Saint Martin Ln, Ramrod
27334 Guadaloupe Ln, Ramrod
$1,099,000
3 Beds ⋅ 2 Baths ⋅ 621076 MLS
This waterfront home features impact windows and doors throughout, providing reliable security and peace of mind. Boating enthusiasts will appreciate the direct canal access with no bridges to open water, making it easy to head straight out for a day on the water. The canal-side setup includes a 30' long concrete dock, giving you a dedicated spot to tie up your boat right behind the house. Inside, the home boasts a light-filled 3-bedroom, 2-bathroom open layout designed for comfortable coastal living. The updated kitchen is a chef's delight, complete with granite countertops, stainless steel appliances, a Frigidaire gallery refrigerator, and a built-in wine rack. Additional interior highlights include a dedicated laundry room and a primary bathroom with a large soaking tub in the en-suite. Downstairs, you will find versatile utility and storage space perfect for keeping all your gear organized. Nestled in the desirable island neighborhood of Breezeswept Estates on Ramrod Key, this home offers an authentic Florida Keys lifestyle with direct access to crystal-clear waters, world-class diving, snorkeling, and premier fishing. Launch with ease from a public boat ramp less than two miles away, and spend your weekends exploring popular nearby sandbars. After a day on the water, take a quick walk or bike ride to several local restaurants. This location seamlessly combines quiet neighborhood charm with unbeatable access to the best marine adventures in the Keys.

27334 Guadaloupe Ln, Ramrod
673 Indies Rd, Ramrod
$989,000
3 Beds ⋅ 2 Baths ⋅ 620596 MLS
Elevated Coastal Living in Breezeswept Beach Estates. Skip the typical vacation rentals & step into a home designed specifically for the genuine Florida Keys lifestyle. Situated on a quiet street within Breezeswept Beach Estates, this well-maintained 3-bedroom, 2-bathroom stilt home perfectly balances premier boating access with a peaceful, scenic setting. The property's positioning is truly distinct. While the back of the home centers around a deep-water canal optimized for quick navigation to open water, the front looks out over tranquil salt ponds--treating you to wide-open, mirror-like sunset views without the interruption of forward neighbors. This home has direct ocean side access or easily head out back to the Gulf for some backwater fishing or spending the day at the sandbar via Niles Channel or Pine Channel. This property will stand out as a your own piece of paradise, a pristine basecamp for the serious waterman or anyone seeking an authentic island retreat. Key Features Include: *The heart of the home features a sleek kitchen with stainless steel appliances, complemented by fully updated bathrooms, and fixtures throughout. *Large windows capture the distinct natural light of the lower keys, making the interior feel bright, airy, and connected to the water. Enjoy waterfront views from every room in the house. *Unwind on the expansive, screened back porch overlooking your canal, or catch the evening colors shifting over the salt ponds from the front balcony. *The ground level features a massive, 600 sq. ft. fully enclosed storage enclosure, giving you a secure, dedicated space for dive tanks, fishing gear, and all your workspace needs.

673 Indies Rd, Ramrod
27395 Barbuda Ln, Ramrod
$1,300,000
3 Beds ⋅ 3 Baths ⋅ 620566 MLS
Discover the ideal blend of comfort, space, and waterfront living in this beautifully maintained canal-front home on Ramrod Key. Offering 2,392 sq. ft. of living space with 3 bedrooms, 2.5 baths, a versatile bonus room, and loft, this spacious residence is perfectly suited for full-time living, a vacation getaway, or an investment property. With 60' of dockage and easy ocean access, boating enthusiasts will appreciate the convenience of reaching some of the Florida Keys' best fishing, diving, snorkeling, and sandbar destinations in minutes. Inside, soaring cathedral ceilings and elegant arched entryway create a bright, inviting atmosphere, while the open-concept floor plan is designed for comfortable everyday living and effortless entertaining. The dining area opens directly onto the covered deck, creating a seamless transition between indoor and outdoor living and providing the perfect setting for al fresco dining or morning coffee. Impact windows provide added protection and natural light, while durable Hardie Board siding enhances the home's long-term appeal. The expansive primary suite serves as a private retreat, featuring an oversized walk-in closet and a spacious en-suite bath. A generous guest bedroom also offers a large walk-in closet, and the bonus room and loft provide flexible space for additional guests, a home office, or recreation. A dedicated laundry room on the first floor adds everyday convenience. Outdoor spaces are designed to embrace the Florida Keys lifestyle. Enjoy the paver driveway, side yard, and rear patio, rinse off after a day on the water in the outdoor shower, and take advantage of the lower-level enclosure for storing kayaks, paddleboards, fishing gear, and all your boating essentials. Whether you're spending the day on the water or relaxing at home, this Ramrod Key waterfront property offers everything you need to experience the best of island living.

27395 Barbuda Ln, Ramrod
27358 Jamaica Ln, Ramrod
$899,000
3 Beds ⋅ 2 Baths ⋅ 620276 MLS
Discover the laid-back waterfront lifestyle you've been dreaming of at this charming canal-front home in Breezeswept Beach Estates on Ramrod Key. Perfectly situated with water on 2 sides this property offers 150' of waterfront including a deep water basin, excellent dockage and easy access for boating, fishing, kayaking, or paddle boarding right from your backyard. Offering a flexible floor plan with separate living spaces on each level, this property is ideal as a full-time residence, vacation getaway, or investment opportunity. Upstairs, you'll be welcomed into a bright and inviting Great Room that serves as the heart of the home, with sliding doors leading to a screened lanai overlooking the canal where you can enjoy the island breezes. The functional kitchen offers plenty of space for everyday living and effortless entertaining, while the spacious primary bedroom and full bathroom provide a comfortable retreat. Downstairs offers two additional bedrooms, a full bath, laundry room, and a separate living area, providing plenty of space for guests or extended family. Storm ready with CBS construction, impact windows and doors and metal roof. Outdoor living takes center stage with an expansive yard and outdoor shed for convenient storage for all your boating and fishing gear. With quick ocean access from the canal, boaters can be on the water in no time, enjoying world-class fishing diving, Looe Key and endless adventures throughout the Florida Keys. Conveniently located on Ramrod Key, home to two popular outdoor restaurants with live entertainment, miniature golf and convenience store just a quick bike ride away, marina with boat ramp, and just a short drive from Key West, this waterfront retreat captures everything people love about life in the Florida Keys.

27358 Jamaica Ln, Ramrod
273 Indies Rd, Ramrod
$949,000
2 Beds ⋅ 2 Baths ⋅ 620242 MLS
Welcome to this bright and modern 2-bedroom, 2-bath waterfront home in desirable Breezeswept Beach Estates on Ramrod Key, offering exceptional boating access and the best of the Lower Keys lifestyle. From your backyard, head straight out to the Atlantic with no bridges to navigate, or cruise through Niles Channel to access the Gulf, with approximately 40 feet of vertical clearance at the Niles Channel Bridge. Spend your days fishing, exploring the backcountry, or boating to beautiful nearby sandbars including Content Keys and Marvin Key. Completed by the builder in 2024, the home features quality construction including a metal roof, impact windows, new A/C, and durable Hardie board siding. The current owner, who was also the first to occupy the home, has since added thoughtful upgrades throughout, including a renovated kitchen and bathrooms, custom closets, and a fully fenced backyard that creates a private and inviting space for relaxing or entertaining. Inside, the home feels fresh, stylish, and completely move-in ready. Outside, enjoy peaceful sunset views over the salt ponds with no neighbors directly across the street, creating an open and tranquil setting. Located on Ramrod Key, you're just minutes from dining, shopping, and everyday conveniences while still enjoying the laid-back atmosphere that makes the Lower Keys so special. Whether your perfect day is spent offshore, at the sandbar, cruising to a waterfront restaurant, or relaxing at home for sunset, this property puts the Keys lifestyle right outside your door.

273 Indies Rd, Ramrod
750 W Indies Dr, Ramrod
$960,000
3 Beds ⋅ 2 Baths ⋅ 619877 MLS
This three bedroom , two bathroom home sits on an expansive 12,200 square foot piece of property in the highly sought after Breezeswept Beach Estates neighborhood on Ramrod Key. Upstairs there are two bedrooms and one bath, and a large kitchen and living room. Downstairs is a one bedroom, one bathroom bungalow with a complete kitchen! The exterior of the property has several updates, including storage sheds, 90 feet of brand new docks with water, electric and a brand new built in fish cleaning table. A new roof was installed in 2023. Plenty of room to stretch out on this property, lots of parking, room for boat trailers, and totally fenced in for your pets. Excellent location for open water access, short canal ride and a couple minutes to picnic island for a relaxing afternoon and sunset!

750 W Indies Dr, Ramrod
27395 Saint Lucie Ln, Ramrod
$1,100,000
3 Beds ⋅ 2 Baths ⋅ 619645 MLS
Welcome to your piece of paradise in Breezeswept Beach Estates, where laid-back island living meets premier canal-frontage. From here, it's an easy cruise to open water--perfect for early morning fishing runs, sunset sails, or spontaneous sandbar days. Inside, this bright and breezy retreat has been thoughtfully updated with stainless steel appliances, sleek Silestone countertops, and warm hickory cabinetry--bringing that effortless coastal style to life. Step outside and the vibe continues: low-maintenance artificial turf and durable Trex decking, ready for paddleboards, kayaks, or just dangling your feet in the water. With 60 feet of concrete seawall, there's plenty of room to dock your boat and head out whenever the mood strikes. A two-car garage and generous downstairs storage mean all your gear--from fishing rods to beach cruisers-has its place. The fully fenced yard offers the perfect setting for private entertaining, backyard barbecues, and easy island nights under the stars. Breezeswept Beach Estates features a voluntary association that fosters a friendly, connected community and maintains a neighborhood website for just $25/year. The only thing missing...is you.

27395 Saint Lucie Ln, Ramrod
27433 Antigua Ln, Ramrod
$1,480,000
4 Beds ⋅ 3 Baths ⋅ 617241 MLS
NEW CONSTRUCTION WATERFRONT HOME. BRAND-NEW POOL INSTALLED. RECENTLY APPRAISED AT $1.6M. Price reduced for quick sale! Completed in 2025 and move-in ready, this 4-bedroom, 3-bath waterfront residence on Ramrod Key blends modern coastal design, quality construction, and exceptional boating access within a classic waterfront setting. Built for the Florida Keys lifestyle, the home features solid CBS construction, a metal roof, & impact-rated windows and doors for durability, efficiency, & peace of mind. A brand-new pool has been installed, and a premium outdoor kitchen is already installed, creating a turnkey space for outdoor entertaining and relaxed island living. Inside, natural light fills the open-concept floor plan, where porcelain tile flooring, a striking floating staircase, and designer fixtures create a clean, sophisticated coastal aesthetic. The chef-inspired kitchen features quartz countertops, shaker-style cabinetry, stainless steel appliances, & an easy connection to the spacious living & dining areas. Expansive terraces extend the living space outdoors, offering tropical breezes & waterfront views. For boaters, the property offers direct water access from a brand-new 150-square-foot composite dock. From here, the best of the Lower Keys is within easy reach from Looe Key Reef & nearby sandbars to exceptional fishing, diving, island hopping, & sunset cruising. Thoughtfully designed with sustainability in mind, this Green Certified home also includes a 3 kW solar system, water cistern, & greywater reuse system, pairing modern comfort with environmentally conscious features and the potential for long-term utility savings. A garage & generous ground-level storage provide plenty of room for kayaks, paddleboards, fishing gear, dive equipment, & everything needed to enjoy life on the water. With direct boating access, a 30' dock, pool, outdoor kitchen, and a recent appraisal of $1.6 million, this waterfront home offers the best of Florida Keys living.

27433 Antigua Ln, Ramrod
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