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

$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

$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

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