Summerland Key Homes with FHA Finance Terms

Summerland Key Homes with FHA Finance Terms

Welcome to Summerland Key, a hidden gem nestled in the heart of the Florida Keys, Monroe County. This idyllic island community is renowned for its breathtaking views, pristine waters, and a laid-back lifestyle that captures the essence of coastal living. With its lush landscapes and vibrant marine life, Summerland Key is a paradise for nature lovers, water sports enthusiasts, and those seeking a tranquil escape from the hustle and bustle of everyday life.

Summerland Key boasts a variety of homes that cater to diverse tastes and preferences, ranging from charming seaside cottages to luxurious waterfront estates. One of the standout features of this community is the availability of homes that qualify for FHA financing. This means that prospective buyers can take advantage of more accessible financing options, making it easier to secure their dream home in this picturesque locale.

Imagine waking up to the gentle sound of waves lapping at the shore, with the sun rising over the horizon and casting a warm glow over your backyard. Whether you’re an avid fisherman, a boating enthusiast, or simply someone who enjoys the serenity of island life, Summerland Key has something to offer everyone. The community is also conveniently located near top-notch dining, shopping, and recreational activities, ensuring that residents can enjoy the best of both worlds.

If you’re ready to make Summerland Key your new home, explore the FHA-financed properties available today. Embrace the island lifestyle and discover why Summerland Key is not just a place to live, but a place to thrive. Your dream home awaits!

Newest Summerland Key Homes with FHA Finance Terms

836 Gulf Dr, Summerland
$1,975,000
3 Beds ⋅ 3 Baths ⋅ 621887 MLS
GULF DRIVE GETAWAY - Beautifully Remodeled Florida Keys Living Enjoy the best of Florida Keys living in this beautifully remodeled home situated at the end of a cul-de-sac, ideally located, and just minutes from open-water access. Flow through canals with 2 boat lifts make this a boater's dream property. Offering far more than meets the eye, this property features an abundance of bonus space, providing flexibility for a home office, hobbies, guests, entertaining, or whatever your Keys lifestyle calls for. The thoughtfully updated interior offers a fresh, inviting feel, while impact windows provide added peace of mind. Step outside to enjoy your private pool, perfect for relaxing after a day on the water. A garage adds valuable storage and convenience for a vehicle and golf cart, boating gear, and all the extras that come with island living. Beautifully updated, wonderfully versatile, and close to open water, this is a special opportunity to make the Florida Keys lifestyle your own!

836 Gulf Dr, Summerland
312 E Caribbean Dr, Summerland
$2,400,000
3 Beds ⋅ 2 Baths ⋅ 621795 MLS
OPEN WATER VIEWS. ENDLESS POSSIBILITIES. YOUR SUMMERLAND KEY WATERFRONT RETREAT. Some properties are all about the location - and this is one of them. Set along the open water in sought-after Summerland Key, this well-maintained 3-bedroom, 2-bath concrete home offers incredible unobstructed views, easy boating access, and the opportunity to create your own vision of Florida Keys living. Outside, the open-water setting takes center stage, with expansive views that bring the beauty of the Florida Keys into everyday life. The concrete construction offers a solid foundation, while the fenced property and electric entry gate provide added convenience. From the covered screened balcony upstairs, you can soak in the beauty and catch spectacular sunset views. The existing interior retains its original character, providing a wonderful starting point for buyers ready to reimagine the space and make it their own. Whether your dream is a modern coastal retreat, a relaxed waterfront getaway, or a personal island escape, the possibilities are here. For boaters, waterfront living is about more than a view - it's about getting out on the water and enjoying everything the Keys have to offer. Here, the setting provides the backdrop for days spent exploring, fishing, lobstering, and returning home to spectacular open-water scenery. Straight access to the Atlantic and Gulf waters. Opportunities to secure an open-water property in Summerland Key and transform it to suit your own style are increasingly appealing. Bring your vision, embrace the location, and create something special in the Florida Keys. The views are already here. The next chapter is yours to create.

312 E Caribbean Dr, Summerland
86 S Airport Dr, Summerland
$2,195,000
3 Beds ⋅ 3 Baths ⋅ 621715 MLS
RARE RUNWAY-TO-REEF LIVING Fly in. Boat out. Live the Florida Keys lifestyle few properties can offer. At 86 S Airport Drive on Summerland Key, aviation and boating come together in one exceptional property. This CBS 3-bedroom, 3-bath home sits directly on the runway and alongside a flow-through canal, offering the rare convenience of keeping your plane and boat close to home. Built for island living, the home features a durable metal roof and impact windows. Outside, a waterfront tiki invites you to unwind after a day on the water, while a 20,000-pound boat lift, commercial ice maker, and deep draft make this a compelling base for serious boaters. Follow the well-marked channel to the ocean, or head toward the Gulf via Kemp Channel. Explore offshore waters, cruise the backcountry, or spend an afternoon relaxing on the sandbars at Snipes or Marvin Key. Here, your next adventure can begin in the air or on the water. For the pilot who loves to fish, the fisherman who loves to fly, or anyone drawn to the freedom of both, this is more than a home - it's a distinctive way to experience the Florida Keys. Runway access and flow-through canal boating at one address make this a truly rare find! See the additional features on the Document tab. Airport information is available at: https://www.summerlandkeyairport.com/ Note: 2022 40' WorldCat is also for sale (separately).

86 S Airport Dr, Summerland
637 E Caribbean Dr, Summerland
$1,100,000
2 Beds ⋅ 2 Baths ⋅ 621672 MLS
YOUR SUMMERLAND KEY WATERFRONT ESCAPE AWAITS! Enjoy the best of Florida Keys living in this beautifully remodeled 2-bedroom, 2-bath stilt home in sought-after Summerland Key. Fresh, modern interiors and a crisp monochromatic palette create a welcoming retreat, while the waterfront setting brings the boating lifestyle right to your doorstep. Step onto the porch and take in the views of a remarkable 60-foot-wide, crystal-clear flow-through canal. With excellent water circulation and a 10,000-pound boatlift, this property is designed for those who appreciate life on the water and the freedom to explore the surrounding waterways. Outside, lush, well-maintained tropical landscaping and colorful orchids add to the island charm. The fenced yard offers space for your four-legged companions, while the generous downstairs storage area provides room for fishing gear, paddleboards, and all the essentials of Keys living. Neat, well cared for, and freshly painted in 2021, this versatile property is ideal as a full-time residence, weekend getaway, or investment opportunity. Whether you're heading out for a day on the water or unwinding at home after a day of adventure, this is your opportunity to embrace the relaxed waterfront lifestyle that makes Summerland Key so special. Come discover your place in the Keys. Easy to show!

637 E Caribbean Dr, Summerland
667 E Caribbean Dr, Summerland
$1,050,000
2 Beds ⋅ 2 Baths ⋅ 621488 MLS
A BOATER'S HAVEN - Island living, exceptional boating access, and a little aviation charm come together at this inviting waterfront home in Summerland Key. Set along a deep, flow-through canal with excellent water quality and convenient access to both the Atlantic and Gulf, this 2-bedroom, 2-bath residence offers the relaxed, connected lifestyle that makes the Florida Keys so special. Surrounded by tropical landscaping and coconut palms, the home features spacious wraparound balconies that create wonderful outdoor living spaces for morning coffee, sunset cocktails, or simply enjoying the island breezes. Brick walkways weave through the grounds, adding character while keeping the outdoor spaces easy to enjoy and maintain. For boaters, the property delivers where it counts--with a 15,000-pound boat lift and deep-water canal access that makes getting out on the water effortless. Atlantic and Gulf access. Downstairs, a covered patio and generous L-shaped storage area provide practical space for gear, water toys, and island essentials. And there's an unexpected bonus: a private airstrip lies directly across the canal, adding a distinctive touch for pilots and aviation enthusiasts. Whether you're searching for a full-time island residence, a weekend retreat, or a waterfront home designed around life on the water, 677 E Caribbean Drive offers an authentic Summerland Key experience--with boating, tropical surroundings, and the freedom to enjoy the Keys at your own pace.

667 E Caribbean Dr, Summerland
466 W Shore Dr, Summerland
$1,250,000
2 Beds ⋅ 2 Baths ⋅ 620321 MLS
DOUBLE the Lot. DOUBLE the Waterfront. Endless Possibilities. Positioned on a rare spacious double lot near the Summerland Key airport, this waterfront property is tailor-made for boating enthusiasts and aviation lovers alike. Featuring 120 feet of concrete seawall on a desirable flow-through canal, you'll enjoy quick access to open water and some of the Lower Keys' best fishing, diving, and cruising grounds. Afterwards, sit under the tiki and watch the world go by. The ground-level home exhibits a Keys charm with polished terrazzo floors and a relaxed, welcoming feel. Outside, ample parking provides room for boats, trailers, RVs, and guests. Inside, a unique electric train display serves as a nod to the historic Overseas Railroad that once connected the Keys. A rare opportunity to enjoy the classic Florida Keys lifestyle with room to spread out, easy boating access, and the convenience of nearby aviation amenities. Bring your big boats to this deep water canal - no bridges to the Atlantic Ocean. Plane tie downs are located in the driveway. For additional airport info - see summerlandkeyairport.com. Ask about the assumable VA loan.

466 W Shore Dr, Summerland
706 E Caribbean Dr, Summerland
$1,145,000
3 Beds ⋅ 2 Baths ⋅ 620281 MLS
OVERSIZED GARAGE. WATERFRONT LIVING. Bring the kayaks and all the Keys toys -there's room for everything at 706 Caribbean Drive East. With some sunset views, a 10,000-pound boat lift, and quick ocean access, this property is built for life on the island. The massive 1,188-square-foot garage below is a dream setup offering space for storage, a workshop, multiple vehicles, and fishing gear. Inside you'll love the kitchen layout for cooking and entertaining. Hardi-board siding, a metal roof installed in 2018, and a fenced yard complete the exterior. If you've been searching for waterfront living without sacrificing storage, this Summerland Key Cove home delivers.

706 E Caribbean Dr, Summerland
937 Gulf Dr, Summerland
$2,220,000
3 Beds ⋅ 2 Baths ⋅ 619294 MLS
High quality concrete 3/2 in Summerland Cove. One of the best boating communities in the lower Keys for deep water, aqua blue canal water, and oceanside access with no bridges! Brand new 60' concrete dock has just been installed. Step inside to find the fresh, modern renovation done in 2024. Featuring 3 bedrooms 2 baths with the private 3rd floor primary suite. 24'' modern white tile throughout, impact windows and doors with custom window blinds with a filtered light or privacy mode. Expansive great room with vaulted ceiling, all new recessed lighting, coastal kitchen with quartz countertops and waterfall edge. The large covered back porch overlooks the canal. Rear stairs to the custom concrete pool and 60' concrete dock. Lower storage room and covered parking. Enjoy access to world class fishing and diving sites in just minutes. Situated on a 60x100 ft lot in one of the most desirable neighborhoods in the Lower Keys.

937 Gulf Dr, Summerland
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