Toms Harbor (61.0) Homes with Conventional Finance Terms

Toms Harbor (61.0) Homes with Conventional Finance Terms

Welcome to Toms Harbor, a serene subdivision nestled in the picturesque city of Duck, Florida, within the stunning Monroe County. This charming community offers a unique blend of coastal charm and modern conveniences, making it an ideal place for families, retirees, and anyone seeking a slice of paradise.

Toms Harbor is renowned for its tranquil atmosphere, where the gentle sounds of nature harmonize with the soothing ocean breeze. Residents enjoy easy access to pristine beaches, vibrant local markets, and a variety of recreational activities, from boating and fishing to hiking and birdwatching. The area is perfect for those who appreciate the great outdoors and the beauty of Florida’s natural landscapes.

The homes in Toms Harbor are designed with comfort and style in mind, featuring spacious layouts and modern amenities that cater to today’s discerning homeowner. With conventional finance terms available, purchasing a home in this idyllic community is not only feasible but also an attractive option for buyers looking to invest in their dream property. Whether you’re searching for a cozy retreat or a spacious family home, Toms Harbor has something for everyone.

As you explore this delightful subdivision, you'll discover a welcoming community that values connection and camaraderie. From neighborhood gatherings to local events, Toms Harbor fosters a sense of belonging that makes it feel like home. Come and experience the charm of Toms Harbor—where coastal living meets community spirit in the heart of Duck, Florida. Your dream home awaits!

Newest Toms Harbor (61.0) Homes with Conventional Finance Terms

$1,925,000
3 Beds ⋅ 2 Baths ⋅ 620892 MLS
Meticulously upgraded island retreat offering resort-style outdoor living on 3 lots spanning 22,500 sq ft, luxury finishes, and smart technology throughout. The backyard oasis features a resort-style pool with an integrated lap lane, custom-blend glass waterline tile, and premium glass bead aggregate finish. Enjoy the sun shelf, waterfall wall, four therapy jets, kept comfortable all year long by a heat pump with chiller. The 18x28 gazebo offers exposed beams, a T&G ceiling, matching metal roof, full summer kitchen, bar, dining/lounge area, and a wood-burning pizza oven. Nearly 6,000 sq ft of travertine pavers cover the driveway, pool deck, and patio, with matching new travertine stairs and over 4,000 sq ft of turf. The covered patio features a new screen enclosure, plus an 8x11 storage shed with matching metal roof. The fully fenced yard includes a walk gate and 10-ft double gate for boat storage. Over 1,500 sq ft of enclosed garage that can accommodate 6 cars and still room for storage and other toys. Inside and out, the home has just been freshly painted (including gutters and railings) with new porcelain wood-plank tile flowing throughout the interior, entry, and terrace. The updated pantry/laundry offers quartz counters and custom built-in shelving. The primary suite showcases a reclaimed wood feature wall, matching platform king bed frame, custom nightstands, and a spa bath with quartz counters and handcrafted glass tile mosaic. Custom walk-in closets serve the primary and guest suites; the third bedroom has a custom media/storage closet. Smart features include a 12-speaker Sonos Wi-Fi system, whole-home smart lighting/pool/climate control, Starlink Gen 4 with wired routers, Ring camera monitoring, automated landscape lighting, and new AC (2026). This is more than a home, it's a fully reimagined island lifestyle.

122 S Bahama Dr, Duck Key
$2,697,500
4 Beds ⋅ 4 Baths ⋅ 620247 MLS
Most sell due to medical expenses! Discover the pinnacle of island luxury in this stunning canal-front estate located in prestigious Duck Key. Completely transformed by a 2022 remodel, this 4-bedroom, 4-bathroom residence offers an effortless blend of modern sophistication and relaxed Keys living. Set on a generous 12,500-square-foot lot, the resort-style outdoor space features a custom tiki hut with an outdoor kitchen, a sparkling saltwater pool, and a 100-foot concrete seawall. Serious boaters will love the brand-new 20,000-pound lift with 50-amp service and a custom storage shed. The interior features over 3,400 square feet of beautifully finished space, including a gourmet kitchen featuring premium appliances, a bright Florida room, and expansive living areas. The thoughtful layout provides two bedrooms on the main level and two additional bedrooms upstairs, each with a private ensuite bath. The upper level also features a large balcony that captures sweeping views of the crystal-clear canal. Built with solid CBS construction, impact windows and doors, and a metal roof, this home combines refined design with peace of mind. Truly an exceptional value, this Duck Key masterpiece is ready for its new owner. Schedule your private showing today to experience the elegance and serenity of this remarkable home.

1100 S Indies Dr, Duck Key
$5,895,000
6 Beds ⋅ 6 Baths ⋅ 619297 MLS
This magnificent, exclusive estate on Duck Key offers a rare opportunity to own one of the most impressive waterfront properties in the Middle Keys. Set on a large, elevated, fully fenced and gated lot, the home boasts over 123 feet of protected deep-water dockage with approximately a 10-foot draft--ideal for serious boaters--along with sweeping, unobstructed views of Lake Lucille. Designed for both relaxation and entertaining, the outdoor space is truly resort-style. Enjoy a beautifully updated pool and spa, enhanced by new water features and a state-of-the-art outdoor sound system. The poolside cabana bar, complete with grill and a full-bath, creates the perfect setting for hosting guests in a private tropical oasis. Inside, the home is filled with natural light and elevated by soaring ceilings and elegant travertine marble floors. The spacious chef's kitchen is thoughtfully designed with seamless access to outdoor living areas, making indoor-outdoor entertaining effortless. The primary suite is conveniently located on the main level, while all guest bedrooms and bathrooms have been tastefully updated. Additional highlights include a rare wraparound balcony, a patio overlooking the pool and lake, a two-car garage, and an expansive basement offering exceptional storage. Boating enthusiasts will appreciate the multiple boat and jet ski lifts, as well as a floating dock. This is waterfront living at its finest--combining luxury, privacy, and unparalleled access to the open water.

152 N Indies Dr, Duck Key
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