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

265 S Point Dr, Sugarloaf
$2,549,000
4 Beds ⋅ 3 Baths ⋅ 621772 MLS
Exceptional waterfront living in prestigious Sugarloaf Shores! Built in 2020, this stunning 4-bedroom, 3-bath home offers breathtaking open water views, spectacular sunrises, and the perfect blend of coastal elegance and Florida Keys living. Thoughtfully designed with 2,594 square feet of living space, this beautiful home features a spacious open floor plan, split-bedroom layout, and two additional bonus rooms with the potential for extra bedrooms, offering flexibility for family and guests. The inviting living and dining areas flow seamlessly into a gorgeous kitchen featuring stainless steel appliances, generous counter space, and plenty of room for entertaining. The spacious primary suite offers a walk-in closet and a beautifully appointed bathroom complete with a soaking tub and separate walk-in shower. Step outside onto the covered porch and take in the breathtaking sunrise views overlooking the sparkling open water. Enjoy your own private waterfront retreat, complete with a saltwater swimming pool, concrete dock, and boat lift, making it easy to embrace the boating and outdoor lifestyle the Florida Keys are known for. Elevated construction provides an expansive ground-level area featuring covered parking, two separate storage rooms, and a spacious concrete-finished outdoor living and entertainment area with plenty of room to relax, gather, and enjoy the tropical surroundings. Additional features include hurricane-impact windows and doors, Hardie board siding, and a fully fenced property. Located just 15 minutes from Key West, this exceptional Sugarloaf Shores property offers the beauty of peaceful waterfront living with convenient access to everything the Lower Florida Keys have to offer. Whether you're enjoying your morning coffee as the sun rises over the water, spending the day boating, or relaxing poolside, this home truly captures the Florida Keys lifestyle!

265 S Point Dr, Sugarloaf
17155 W Hibiscus Ln, Sugarloaf
$995,000
3 Beds ⋅ 2 Baths ⋅ 621720 MLS
WATERFRONT PARADISE IN THE MAKING! TROPICAL TREASURE & ENDLESS POSSIBILITIES! Some properties have potential but this one already has paradise written all over it! Discover an exceptional waterfront opportunity in beautiful Sugarloaf Key, where wide, deep, swimmable canals, outstanding boating opportunities, and picturesque partial open-water views of Sugarloaf Bay set the stage for the ultimate Florida Keys lifestyle! Nestled on a generously sized lot surrounded by lush, mature tropical vegetation, this property offers a wonderful sense of privacy, natural beauty, and peaceful island living. Located in a wonderful neighborhood with palm-tree-lined sidewalks, it's the perfect setting for leisurely strolls, tropical breezes, and enjoying the relaxed Keys atmosphere. Boating enthusiasts will appreciate the spacious, deep-water canal, with access to both back country boating and Ocean side! While nature lovers will fall in love with the beautiful greenery, tranquil waterfront setting, and inviting waters right outside their door. The home offers an exciting opportunity for renovation, allowing buyers to create their own spectacular coastal retreat while enjoying the many desirable features this property already provides. Exterior is done in concrete board and newly painted with new composite decking. Solar System paid for with low electric bills! Just Imagine adding a sparkling resort-style pool, a fabulous tiki hut for entertaining, and a boat lift to complete your waterfront oasis! Whether you're an investor seeking a value-add opportunity or a buyer dreaming of a personalized island escape, the combination of beautiful waterfront surroundings, exceptional boating, privacy, and neighborhood charm makes this property truly special. The location is captivating, the waterfront is incredible, and the possibilities are endless! Bring your imagination and transform this tropical treasure into your own piece of Keys paradise in the desirable and in demand Sugarloaf Key!

17155 W Hibiscus Ln, Sugarloaf
17015 W Wahoo Ln, Sugarloaf
$3,999,999
3 Beds ⋅ 3 Baths ⋅ 621652 MLS
Rarely does a waterfront setting capture the essence of the Florida Keys quite like this. Occupying a spectacular west-facing point lot with 270 feet of open-water frontage on Sugarloaf Sound, this fully reimagined 3-bedroom, 3-bath estate offers breathtaking sunsets, sweeping turquoise-water views, and the privacy of a secluded island retreat. Beyond the gated entrance, a 17,000-square-foot property unfolds with swaying palms, lush tropical landscaping, and an extraordinary connection to the water. CBS construction, a new aluminum standing-seam metal roof, and impact windows and doors provide a solid foundation for the home's refined coastal-modern design. Inside, walls of glass frame panoramic water views and fill the expansive open-concept living spaces with natural light. Tile plank flooring, clean architectural lines, and a serene palette bring understated elegance throughout. At the heart of the home, a chef's kitchen pairs an oversized waterfall-edge island with custom cabinetry, high-end stainless appliances, wine refrigeration, and designer lighting, all against a spectacular open-water backdrop. The waterfront primary suite is a peaceful escape, complete with a spa-inspired bath featuring dual vanities, custom tilework, and a frameless glass walk-in shower. Two additional beautifully appointed ensuite guest bedrooms offer private, comfortable retreats for family and visitors. Outside, a brand-new concrete pool, inviting tiki hut, and unusually generous lawn create a private resort atmosphere for relaxing and entertaining. As the sun dips over Sugarloaf Sound, the outdoor spaces become a front-row setting for spectacular skies and unforgettable evenings. A 14,000-pound boat lift adds convenience after days spent fishing and diving in the Lower Keys. Fully renovated and move-in ready, this exceptional Sugarloaf Key estate brings together unforgettable sunsets, modern comfort, and the freedom of waterfront living.

17015 W Wahoo Ln, Sugarloaf
1151 Sugarloaf Blvd, Sugarloaf
$1,499,000
3 Beds ⋅ 2 Baths ⋅ 621524 MLS
Truly unique and private estate property on the desired Sugarloaf Blvd. in Sugarloaf Shores. Ground level CBS house sits on 2 waterfront lots. Totaling over 1.3 acres of land and approx. 400 ft. of canal front. Amazing view up the canal to the open water. The large floor plan featuring 3 bedrooms, 2 baths, den/office and fireplace. Kitchen has stainless appliances, quartz countertops and lots of storage for your inner chef needs. Covered back porch perfect for outdoor entertaining. Keep all your fishing equipment and/or water toys nicely organized in the large 2 car garage with laundry, extra freezer and storage shelves. Enjoy the ease of launching kayaks and paddle boards from your own private ramp into the canal.

1151 Sugarloaf Blvd, Sugarloaf
19590 Tequesta St, Sugarloaf
$739,000
3 Beds ⋅ 2 Baths ⋅ 621432 MLS
Located in the quiet Indian Mounds neighborhood of Upper Sugarloaf Key, this elevated 3 bedroom, 2 bath home offers 1,296 square feet of comfortable living space. Impact-resistant windows and doors rated for winds up to 180 mph provide enhanced storm protection and valuable insurance savings. The open concept interior features crown molding and wood look tile plank flooring throughout. The kitchen is equipped with solid wood cabinetry and stainless steel appliances. The well-designed floor plan includes a large primary suite with an en suite bathroom and walk-in closet, two guest bedrooms, a second full bathroom, and a full-size laundry room. Outside, the home features low-maintenance Hardie Board siding, a durable metal roof, and a spacious covered porch located just off the kitchen. The yard is fenced on three sides, and the back porch overlooks mature tropical trees with no rear neighbors, providing a lush, natural backdrop. Boaters and anglers will appreciate the convenient location near multiple boat ramps, including access to a private community ramp, offering quick access to open water. The home is also minutes from the Upper Sugarloaf Key nature preserve and Sugarloaf Elementary and Middle School. Whether you are searching for a primary residence, Florida Keys retreat, or investment property, this move-in-ready home offers comfort and convenient access to the outdoor lifestyle of the Lower Keys.

19590 Tequesta St, Sugarloaf
182 Venetian Way, Sugarloaf
$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
205 S Point Dr, 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
19267 Hansen Trl, 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
17183 Coral Dr, 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
16750 Old State Road 4a, 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
17013 Coral Dr, 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
17041 Marlin 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
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