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

$1,199,000
3 Beds ⋅ 2 Baths ⋅ 617789 MLS
Welcome to Summerland Key Cove! This beautifully home is perfectly situated on a deep-water canal with excellent boating access. Boaters will appreciate the new 17,000-lb boat lift and a quick ride to Looe Key, American Shoal, and the Adolf Bush wreck. The 1232 sq ft home sits on a 6,000 sq ft lot and features hurricane-impact windows, offering peace of mind and energy efficiency. The home has been tastefully remodeled within the last two years, including new kitchen and new bathrooms. Additional major upgrades include 2-year-old A/C the roof is just 4 years old. Bright, inviting, this home is ideal for enjoying the relaxed island lifestyle with world-class boating, fishing, and diving right at your doorstep. The supply lift will make it easy to transfer items to the second floor.

24347 W Caribbean 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

466 W Shore Dr, Summerland
$1,185,000
3 Beds ⋅ 2 Baths ⋅ 620281 MLS
OVERSIZED GARAGE. WATERFRONT LIVING. Bring the boat, tackle, dive gear, kayaks, and all the Keys toys-there's room for everything at 706 Caribbean Drive East. With canal frontage, a 10,000-pound boat lift, and quick ocean access, this property is built for life on the water. The massive 1,188-square-foot garage below is a dream setup for serious boaters, offering space for storage, a workshop, multiple vehicles, and gear. Inside you'll love the kitchen layt up for cooking and entertaining. Hardi-board siding, new 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
$1,200,000
2 Beds ⋅ 2 Baths ⋅ 619455 MLS
Elevated COASTAL LIVING meets clean, modern design in this beautifully remodeled 2BD/2BA stilted home in sought-after Summerland Key. Designed with a striking monochromatic palette, the interiors feel fresh, cohesive, and effortlessly sophisticated--ready for you to start living the Keys lifestyle. Step outside to a relaxing porch overlooking a 60' wide, crystal-clear flow-through canal--perfect for enjoying morning coffee, evening cocktails, or simply watching the boats pass by. Boaters will appreciate the excellent water flow and easy access, ideal for keeping your vessel in prime condition. on the 10,000 pound boatlift. The property is framed by lush, meticulously maintained grounds, where vibrant orchids add a soft tropical elegance and a welcoming sense of tranquility. Downstairs, you'll find ample storage space with room for all your gear--whether it's fishing equipment, paddleboards, or even a dedicated workout area. Fenced and ready for your furry pets. Clean, neat, and thoughtfully updated, this home is the perfect blend of style, function, and island charm--ideal as a full-time residence, weekend escape, or investment opportunity. Freshly painted in 2021. Come experience simple, refined Keys living at its best--schedule your private showing today. EASY to show!

637 E Caribbean Dr, Summerland
$1,100,000
2 Beds ⋅ 2 Baths ⋅ 619318 MLS
PILOTS and BOATERS will love this! Tucked away in the heart of Summerland Key, this charming 2-bedroom, 2-bath home captures the essence of true Florida Keys living. Surrounded by swaying palms and coastal breezes, the property features inviting wraparound balconies--perfect for morning coffee or unwinding after a day on the water. Designed with boaters in mind, you'll appreciate the deep, flow-through canal offering excellent water quality and easy access to the Atlantic and Gulf, along with a 15,000 lb boat lift ready for your next adventure. Brick walkways add warmth and character, guiding you through the lush, tropical setting and creating a welcoming, low-maintenance outdoor space. Downstairs you'll love the covered patio and L-shaped storage area. Across the canal is a private airstrip calling PILOTS and BOATERS. Whether you're looking for a weekend escape or a full-time island home, this property delivers comfort, functionality, and that laid-back Keys lifestyle buyers are chasing.

667 E Caribbean 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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