Sugarloaf Key Homes with FHA Finance Terms

Sugarloaf Key Homes with FHA Finance Terms

Welcome to Sugarloaf Key, a hidden gem nestled in Monroe County, Florida, that offers the perfect blend of tranquility and adventure. This picturesque island is part of the Florida Keys, renowned for its stunning sunsets, vibrant marine life, and laid-back lifestyle. Sugarloaf Key is an ideal destination for those seeking a peaceful retreat while still enjoying easy access to the lively atmosphere of nearby Key West.

One of the most appealing aspects of Sugarloaf Key is its diverse range of real estate options, including homes that qualify for FHA financing. This means that potential homeowners can take advantage of more accessible financing options, making it easier to secure their dream home in this idyllic location. Whether you’re looking for a cozy waterfront cottage, a spacious family home, or a luxurious retreat, Sugarloaf Key has something to suit every taste and budget.

Living in Sugarloaf Key means embracing a lifestyle filled with outdoor activities. From boating and fishing in the crystal-clear waters to exploring the lush surroundings, residents enjoy a myriad of recreational opportunities. The island’s close-knit community fosters a welcoming atmosphere, where neighbors become friends and local events bring everyone together.

With its stunning natural beauty, friendly community, and attractive real estate options, Sugarloaf Key is not just a place to live, but a lifestyle to cherish. If you’re ready to make your move to this enchanting island, explore the homes available with FHA financing and start your journey towards owning a piece of paradise in Sugarloaf Key today!

Newest Sugarloaf Key Homes with FHA 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
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
17286 Jamaica Ln, Sugarloaf
$1,200,000
2 Beds ⋅ 2 Baths ⋅ 619901 MLS
Just a short boat ride to popular Lower Keys sandbars, coral heads, and fishing grounds, this Sugarloaf Shores canal-front home is made for the buyer who wants boating, fishing, and the easygoing Keys lifestyle right at their doorstep. Set on a quiet street just 15 minutes from Key West, this sturdy concrete 2 bedroom, 2 bath home offers southern exposure overlooking the canal, quick access to open water, and inviting outdoor spaces designed for relaxing after a day on the water. Spend mornings on the screened porch, enjoy afternoon breezes from the private balcony off the primary bedroom, and make the most of a waterfront setting that brings the best of island living together in one place. Inside, the home features an open floor plan with tile floors, high ceilings, a bright living and dining area, and a kitchen with a breakfast bar. The main bedroom includes a walk-in closet and direct balcony access, creating a private spot to enjoy the tropical surroundings. Outside, boaters and water lovers will appreciate the approximately 40-foot dock, dedicated skiff launch/ramp, canal frontage, and quick route to open water. The dock and waterfront setup provide a convenient place to keep a boat, launch a skiff, or head out for a day on the water with ease. The property also offers a garage and carport area, giving plenty of room for parking, storage, and Keys gear. Located in Sugarloaf Shores, this home offers peaceful island living with convenient access to dining, entertainment, and world-class recreation in nearby Key West.

17286 Jamaica Ln, Sugarloaf
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