Toms Harbor (61.0) Homes with FHA Finance Terms

Toms Harbor (61.0) Homes with FHA Finance Terms

Welcome to Toms Harbor, a picturesque subdivision nestled in the heart of Duck Key, Florida, located in the stunning Monroe County. This enchanting community offers a unique blend of tranquility and luxury, making it an ideal destination for those seeking a serene lifestyle by the water.

Toms Harbor is renowned for its breathtaking waterfront views and lush tropical landscapes, making it a true paradise for nature lovers and outdoor enthusiasts. With easy access to the sparkling waters of the Florida Keys, residents can indulge in a variety of water activities, including boating, fishing, and snorkeling. The vibrant marine life and pristine coral reefs are just a stone's throw away, ensuring that every day feels like a vacation.

The homes in Toms Harbor are designed with comfort and style in mind, featuring modern amenities and spacious layouts that cater to both relaxation and entertainment. Whether you’re looking for a cozy retreat or a spacious family home, you’ll find a variety of options that suit your needs. Importantly, many of these homes are eligible for FHA financing, making it easier for prospective buyers to secure their dream property in this idyllic location.

With a welcoming community atmosphere, Toms Harbor is not just a place to live; it's a lifestyle. Enjoy the convenience of nearby shopping, dining, and recreational opportunities, all while being surrounded by the natural beauty that the Florida Keys have to offer. Discover your perfect home in Toms Harbor, where every day feels like a getaway.

Newest Toms Harbor (61.0) Homes with FHA 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

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