Sugarloaf Key Homes with Conventional Finance Terms

Sugarloaf Key Homes with Conventional Finance Terms

Welcome to Sugarloaf Key, a hidden gem in the heart of the Florida Keys, nestled within Monroe County. This idyllic island, just a short drive from Key West, offers a unique blend of natural beauty, vibrant marine life, and a laid-back lifestyle that attracts both residents and visitors alike. With its stunning ocean views, lush tropical landscapes, and abundant outdoor activities, Sugarloaf Key is the perfect place to call home for those seeking a tranquil escape.

The island is renowned for its pristine waters, making it a paradise for boating, fishing, and snorkeling enthusiasts. Sugarloaf Key is surrounded by coral reefs and offers easy access to some of the best diving spots in the Keys. Whether you're exploring the rich underwater ecosystems or simply enjoying a sunset from your private dock, the beauty of Sugarloaf Key is simply unmatched.

For those considering making Sugarloaf Key their permanent residence, the real estate market offers a range of charming homes that can be financed with conventional terms. From cozy waterfront cottages to spacious family homes, there’s something for everyone. The community is known for its friendly atmosphere, where neighbors become friends and the pace of life is refreshingly slow.

Imagine waking up each day to the sound of gentle waves and the scent of salty air. With its appealing homes and financing options, Sugarloaf Key is not just a place to live; it’s a lifestyle that embraces nature and community. Come experience the magic of Sugarloaf Key, where your dream home awaits!

Newest Sugarloaf Key Homes with Conventional Finance Terms

$1,595,000
3 Beds ⋅ 3 Baths ⋅ 620823 MLS
Experience classic Florida Keys waterfront living in this spacious canal-front retreat on Sugarloaf Key, offering boating access, expansive indoor-outdoor living, and just a short drive to Key West. 3,000 square feet of finished living space including 4 bedrooms and 3 baths. Situated on a wide canal with ample room for a future dock, offering the opportunity to create your own boating paradise. The massive chef's kitchen features copious marble countertops, abundant cabinetry, generous seating, and opens seamlessly into the impressive great room--ideal for entertaining family and friends. The open concept living spaces open onto a large canal-side deck that extends your living space outdoors. The spacious primary suite offers tranquil canal views and a spa-inspired bath with a soaking tub positioned to take in the waterfront scenery. A skylit bonus room offers endless possibilities as a fitness room, artist's studio, or sunroom. The nicely landscaped 13,000-square-foot property offers a circular drive, mature tropical plantings, and abundant parking for guests, boats, and recreational vehicles. Whether you're seeking a full-time residence, seasonal escape, or exceptional waterfront investment, this distinctive Sugarloaf Key home offers the space, setting, and Florida Keys lifestyle you've been waiting for.

182 Venetian Way, Sugarloaf
$950,000
3 Beds ⋅ 2 Baths ⋅ 619875 MLS
On a quiet dead-end street in the highly sought-after Sugarloaf Shores community, sits this fully renovated tropical retreat thats reminiscent of something straight out of a secret garden. Set on an oversized, gated and partially fenced parcel spanning over a quarter acre, this rare non-waterfront property offers the kind of lush green space that's nearly impossible to find in the Florida Keys. Towering old-growth foliage, vibrant established plantings, fresh new landscaping, and newly laid sod create a private, enchanted oasis where every corner invites you to slow down and stay awhile. Built in 1981 of solid concrete block construction and elevated on slab, this beautifully reimagined 3-bedroom, 2-bathroom home offers 1,548 square feet of airy, light-filled living space with bright neutral finishes and thoughtful details throughout. Every inch has been meticulously renovated, blending modern comfort with effortless island charm. Designed to embrace indoor-outdoor living, the property features multiple lanais and entertaining spaces perfect for morning coffee beneath the palms, sunset dinners with friends, or quiet afternoons surrounded by tropical serenity. The expansive lot offers endless opportunity for future enhancements -- envision a resort-style pool and tiki hut, a greenhouse, outdoor kitchen, play space for the kids, or all of the above. There's room here to truly create your dream Keys compound. Downstairs, nearly 400 additional square feet of enclosed storage and utility space adds incredible flexibility, while the paved 3-car carport with lighting and built-in workspace could easily be transformed into the ultimate outdoor entertaining kitchen or hobby space. Beloved Sugarloaf Shores provides peaceful island living with a scenic miles-long paved path, a laid-back Lower Keys atmosphere, and sought-after school district -- all just 15 minutes from exciting Key West. Rare Keys privacy, greenery, and possibility you may never want to leave.

123 Venetian Way, Sugarloaf
$2,299,999
3 Beds ⋅ 3 Baths ⋅ 619431 MLS
Experience the best of waterfront living in this brand-new home on Lower Sugarloaf Key. Thoughtfully designed and meticulously built, this 3-bedroom, 2.5-bath residence offers 2,288 square feet of modern coastal comfort. Situated on an expansive 16,445-square-foot lot, the property features a private seawall for direct boating access and a sparkling pool perfect for relaxing after a day on the water. The home's elevated design provides a generous covered area beneath, ideal for parking multiple vehicles, storing watercraft, or hosting outdoor gatherings. Inside, the open-concept layout seamlessly connects the living, dining, and kitchen spaces, all oriented to capture natural light and water views. The primary suite is a serene retreat with a spa-inspired bath, while two additional bedrooms offer flexibility for guests or family. Located just minutes from Key West yet tucked away in the quiet beauty of Lower Sugarloaf, this lushly landscaped home is an exceptional opportunity to enjoy the Florida Keys lifestyle. *Adjacent Vacant Lot also available. **Seller is a licensed FL Realtor

17210 Angelfish Ln, Sugarloaf
$2,375,000
5 Beds ⋅ 4 Baths ⋅ 617951 MLS
Experience elevated waterfront living at this stunning South Point Sugarloaf Key retreat, where open-water serenity meets refined island design. This exceptional five-bedroom, four-bathroom residence is thoughtfully designed to host family and guests with ease, featuring a desirable split-floor plan and expansive living spaces framed by endless turquoise views. The primary suite is a private sanctuary, highlighted by a wall of windows that greets each morning with sweeping vistas of the open Atlantic—an ever-changing canvas of blues that defines life in the Florida Keys. Throughout the home, wall-to-wall water views create a seamless connection between indoor comfort and the surrounding seascape, offering multiple spaces to relax, entertain, and soak in the coastal atmosphere. Set on an impressive 12,500-square-foot lot, the property provides ample room for outdoor living, recreation, and plenty of room for a pool. Boaters will appreciate the 120-foot concrete seawall with davits, delivering effortless access to world-class fishing, diving, and the iconic Lower Keys sandbars. The elevated design allows the entire lower level to transform into an expansive open-air lounge and entertainment area, complemented by a generous storage room for all your boating and island gear, plus abundant parking. Located in one of the Lower Keys' most sought-after neighborhoods, this peaceful waterfront escape is just 15 minutes from Key West, offering the perfect balance of privacy and convenience. Schedule your private showing today—available in person or via live video—and discover the essence of luxury island living.

205 S Point Dr, Sugarloaf
$899,000
3 Beds ⋅ 2 Baths ⋅ 618853 MLS
Set on over an acre of land, 19267 Hansen Trail is a truly one-of-a-kind property where modern luxury meets refined homestead living. Offering nearly 2,000 square feet of beautifully remodeled living space, this 3-bedroom, 2-bathroom residence has been thoughtfully upgraded with high-end finishes, all new impact windows and doors, and smart-home conveniences throughout. The open-concept design creates a seamless flow from the spacious living room into the designer kitchen and adjoining bonus space -- perfect for entertaining, working from home, or creating a private retreat -- all leading effortlessly to the expansive backyard. The oversized primary suite serves as a true sanctuary, complete with a spa-inspired en suite bathroom and a generous walk-in closet. Every detail has been carefully considered, including towel warmers in both bathrooms, automatic blinds on every window, and a smart refrigerator integrated into the modern kitchen. Built with durability and peace of mind in mind, the home features a whole-house generator and three large propane tanks -- ensuring reliability and comfort year-round. With ample space to expand, garden, entertain, or simply enjoy the privacy of acreage living, this property offers a rare opportunity to enjoy both luxury upgrades and the freedom of wide-open space. Schedule your private showing today and experience everything 19267 Hansen Trail has to offer.

19267 Hansen Trl, Sugarloaf
$3,199,000
4 Beds ⋅ 4 Baths ⋅ 618532 MLS
Nestled within this 280 ft of concrete walled and gated property lies a tropical oasis that epitomizes Keys living. Situated on a huge,12,000 sq ft corner lot that provides an exclusive island vibe with lots of privacy that comes complete with 200' of canal frontage, a 133' concrete dock, a new 10k lb boat lift, fish cleaning station, and travertine steps into the sparkling water for an enjoyable saltwater swim. Outdoor lighting perfects this entire property along and under the dock and seawall as well. A new higher end fiberglass pool and spa made by Latham which are built with double thick fiberglass complete with heater and chiller is just waiting for you to enjoy after a day on the water or an evening of entertaining. The adjoining new tiki hut, complete with a NewAge summer kitchen, a dining area and ready for happy hours and fish tales. The bar and lounging area located across from the tiki hut provides a comfortable lounging area complete with a nice storage area. Pavers adorn all the open spaces surrounded by new exquisite, lush landscaping maintained by a 5-zone irrigation system. A new standing seam metal roof was installed in 2024. Oh and did I mention a real fire pit. This gorgeous home is all about being outdoors and enjoying the Florida Keys tropical ambiance. The main living area has an open kitchen concept with a center island, gas stove, new appliances, and dining table. Guest bedroom is on the main floor with a full bath and walk in shower. Upstairs has two master suites, one with a stand-alone tub and walk in shower and the other with a walk-in shower only. Two of the bedrooms have balconies overlooking this peaceful, delightful, property. All the furniture is brand new and comes included with the purchase. With the proximity to Key West, and all the excitement and nightlife and the world class fishing and diving out your back door, the world is your oyster in this Fabulous Florida Keys slice of paradise. Don't let this one get away.

17183 Coral Dr, Sugarloaf
$8,995,000
6 Beds ⋅ 5 Baths ⋅ 617329 MLS
Introducing Blue Water Lagoon Estate! Experience unmatched privacy and exceptional waterfront living at this gated 2.33-acre oceanfront estate in exclusive Sugarloaf Beach — a location famously featured in the film ''True Lies''. Designed for the avid boater and those seeking a resort-style lifestyle, this 5,208 sq. ft. residence offers rare amenities and direct access to world-class fishing and diving. A protected 6-boat basin with room for extra boats is the centerpiece of the waterfront, complete with 25K and 16K lifts, a boat ramp, sandy beach, lookout point, and composite observation deck. After a day on the water, unwind in the lagoon-style saltwater pool with heater, chiller, and custom water features. The expansive tiki bar includes TVs, True refrigerator/freezer drawers, and an ice machine—perfect for effortless outdoor entertaining. Additional features include a firepit, private sandy beach, and a full outdoor kitchen equipped with built-in BBQ, Viking appliances, and True refrigeration. The upper level offers a bright and open Great Room with sweeping ocean views, a spacious dining area, and a chef's kitchen with stainless appliances. Two covered verandas provide ideal spaces for taking in the breezes and panoramic vistas. The primary suite features an office, en suite bath, walk-in closet with laundry, sunroom, and loft. Two additional upstairs guest rooms comfortably accommodate visitors, while the separate downstairs living area offers three more guest bedrooms for privacy and flexibility. Designed for hosting and convenience, the home is equipped with a Sonos sound system, property-wide Wi-Fi, abundant storage, a two-car garage with fishing lockers, and generous parking along a winding paver driveway. Lush, mature landscaping surrounds the property, creating a serene and secluded Sugarloaf Key retreat. Call for more information today!

16750 Old State Road 4a, Sugarloaf
$5,200,000
4 Beds ⋅ 4 Baths ⋅ 618184 MLS
Introducing Blue Sky Pointe - the crown jewel of Sugarloaf Key. Perched on a gated 33,750 sq. ft. peninsula with approximately 730 feet of waterfront, this spectacular 4 Bed, 3.5 Bath modern coastal showpiece is surrounded by glistening water and enjoys Keys famous sunset views over Sugarloaf Sound. Fully renovated with premium craftsmanship, the home features a standing seam metal roof, PGT impact windows/doors, and Hardi board siding. Inside, enjoy a sunlit open-concept floor plan with soaring ceilings, a gourmet kitchen with quartz counters, premium stainless appliances, gas stove, a hidden butler's pantry, and a waterfront Bedroom wing, all oriented to frame the water from every room. Step outside and immerse yourself in resort-style living with a heated and chilled waterfront pool, soothing spa, hot tub, invigorating cold plunge, and a fire pit encircled by flickering tiki torches to gather with friends and family while sipping cocktails as the sun melts into the horizon. Lounge on the expansive covered porch while enjoying views of the peaceful nature preserve for incredible bird watching, and a setting that offers total privacy and serenity. Boaters will love the protected canal access with 2 boat lifts (8K & 12K lbs), just minutes from open water. Additional features include a 4-car garage with EV charger, covered RV Tiki with 50 amp service, whole-house 35kW generator (750-gal tank), whole house water softening system and Sonos throughout, including garage and outdoor zones. Whether you're seeking a private sanctuary, a trophy lot, or the ultimate Florida Keys lifestyle, Blue Sky Pointe delivers. This is the most premiere lot on Sugarloaf Key — a once-in-a-lifetime opportunity.

17013 Coral Dr, Sugarloaf
$2,849,000
3 Beds ⋅ 2 Baths ⋅ 618874 MLS
Experience breathtaking sunsets over Sugarloaf Sound from this 2-story CBS open water estate offering 3 bedrooms, 2 baths, and 2,170 sq ft of elevated coastal living just 20 minutes from Key West. Situated on a generous 15,650 sq ft lot, this meticulously maintained home features impact doors and windows, metal roof, exterior elevator, and lush tropical landscaping including a dedicated orchid house for the gardening enthusiast. The main living level showcases a stunning Great Room with soaring tongue-and-groove ceilings and panoramic water views. The open kitchen overlooks Sugarloaf Sound and offers bar seating, stainless appliances, and gas range. A dining area with Dade County Pine accent wall adds warmth and character. The entire second floor is devoted to the private Primary Suite retreat, complete with walk-in closet, sitting room, and spectacular water views for morning coffee with the sunrise and evenings watching the Keys' famous sunsets. Outdoor living is exceptional with a waterfront heated and chilled pool, covered lanai for entertaining, outdoor shower, tiki hut, and private dock with 12,000 lb boat lift offering easy open water access. Every evening, the sky ignites in gold and crimson as the sun melts into Sugarloaf Sound. This is not just a home, it is a front-row seat to one of the Florida Keys' most extraordinary natural performances.

17041 Marlin Dr, Sugarloaf
$3,899,000
4 Beds ⋅ 3 Baths ⋅ 618713 MLS
Positioned on a rare west facing point lot with 270 ft of sparkling open water frontage on Sugarloaf Sound, this fully reimagined 3 Bedroom 3 Bathroom estate captures breathtaking sunset views across endless turquoise waters. Privately set on a gated 17,000 SF lot, the property lives like a private island compound framed by swaying palms, lush tropical landscaping, and the endless blue waters of the sound. The CBS constructed residence is complemented by a new aluminum standing seam metal roof and a complete set of impact windows/doors, offering exceptional structural integrity paired with refined island sophistication. Walls of glass flood the expansive open concept living area with natural light and showcase panoramic water views from nearly every vantage point, immersing the home in its spectacular waterfront setting. The coastal modern interior features tile plank flooring throughout, clean architectural lines, and a serene coastal palette that reflects its tropical surroundings. The chef's kitchen is anchored by an oversized waterfall edge island, custom cabinetry, high end stainless appliances, wine refrigeration, and designer lighting, all positioned to embrace the open water backdrop. The spacious primary suite overlooks the sound and serves as a private retreat, featuring a spa inspired bath with dual vanities, custom tile work, and a frameless glass walk in shower. Two additional ensuite guest bedrooms are beautifully appointed, offering privacy and comfort for family and visitors. Outdoors, the brand new concrete pool and inviting tiki hut create a true resort style setting, complemented by expansive lawn space rarely found in the Keys. After a day of world class fishing and diving in the Lower Keys, dock your vessel on the 14,000 lb boat lift, an exceptional enhancement to the waterfront lifestyle. Completely renovated and move in ready, this extraordinary estate defines sophisticated island living at its finest.

17015 W Wahoo Ln, Sugarloaf
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