The Lower Keys stretch from Big Pine Key down through Sugarloaf, covering some of the most unspoiled waterfront in the Florida Keys. Canalfront homes with easy Atlantic and Gulf access, open water estates with panoramic sunset views, and more affordable options than you'll find in the Upper Keys — the Lower Keys attract buyers who want the full Keys lifestyle without the crowds.
See the Newest Lower Keys Listings
Big Pine Key is the commercial hub of the area and home to the National Key Deer Refuge. Little Torch, Ramrod, Summerland, Cudjoe, and Sugarloaf each have their own character — from tight-knit boating communities to larger lots with room to breathe. Browse by island below or use the search above to filter by price, beds, and property type.
27322 Saint Martin Ln • Ramrod Key
3 Bed • 1 Bath • Breezeswept Beach Estates
Canalfront home with 51 feet of dockage and a 10,000 lb boat lift.
A LoKation Real Estate listing
27398 Saint Vincent Ln • Ramrod Key
2 Bed • 2 Bath • Breezeswept Beach Estates
Canalfront home on a double lot of about 12,000 sq ft, with 60 feet of dockage and a 10,000 lb boat lift.
A LoKation Real Estate listing
Curious what's selling in a specific neighborhood? Create a free custom market report to see active listings, pending sales, and recent closings in any Lower Keys community. The data pulls directly from the Florida Keys MLS and updates every 5 minutes.
Have a Lower Keys listing you'd like featured here?
Contact Jim Signor to ask about placement.
Across the Florida Keys, single-family inventory fell 15% to 811 homes while pending contracts rose 18% to 156, and the median sale price held steady at $1,022,500. Condo inventory dropped 19% to 290 units. Get the full breakdown in my Florida Keys Real Estate Market Report for August 2026.
On KeysListings.com, the Lower Keys covers Big Pine Key, Little Torch Key, Middle and Big Torch Keys, Ramrod Key, Summerland Key, Cudjoe Key, and Sugarloaf Key. Islands closer to Key West, such as Big Coppitt and Stock Island, are covered with Key West.
Big Pine Key is home to the National Key Deer Refuge, and much of the island is protected Key Deer habitat. Building on vacant land there faces tighter environmental review than in many other parts of the Keys, so buyers planning new construction should confirm buildability early.
The Lower Keys sit roughly 15 to 35 miles from Key West. Sugarloaf Key is about a 20-minute drive, and Big Pine Key is about 40 minutes under normal traffic.
Contact Jim Signor to get help narrowing your search or to talk through what's moving in a specific island or price range.
Welcome to your piece of paradise in the Florida Keys! This beautifully situated 3-bedroom, 2-bathroom canal-front home offers the perfect combination of comfort, privacy...
Welcome to island living and a tropical lifestyle. Embrace your tropical vibes in this gently used, newer-built home ready for all your Florida Keys needs. This waterfron...
Exceptional waterfront living in prestigious Sugarloaf Shores! Built in 2020, this stunning 4-bedroom, 3-bath home offers breathtaking open water views, spectacular sunri...
Discover the charm of Florida Keys waterfront living on two full lots in beautiful Big Pine Key! This well maintained concrete block home offers an inviting blend of comf...
Tropical Keys Oasis - Waterfront Luxury Living Come experience this completely renovated, one-of-a-kind tropical oasis that feels like you have checked into a luxury ...
Endless blue water, expansive skies, and an exceptional point setting create a memorable first impression at 1017 Picard Lane. Positioned at the end of a cul-de-sac share...
Discover the Florida Keys lifestyle in this charming 3-bedroom, 2-bath canal-front home offering 1,928 sq. ft. of living space on an 8,000 sq. ft. lot in Big Pine Key. Si...
Bring your vision to this spacious corner-lot stilt home on Big Pine Key! Low Assumable mortgage for qualified buyers. Just a short stroll from Big Pine Key Community ...
Stunning coastal architecture. Exceptional craftsmanship. Effortless waterfront luxury. This BRAND new home pairs classic Keys architecture with modern coastal elegance a...
Brand-New Waterfront Home - Completed and Move-In Ready. This elevated CBS single-level residence offers 4 bedrooms, 3 bathrooms, 10-foot ceilings, impact-rated windows a...
WATERFRONT PARADISE IN THE MAKING! TROPICAL TREASURE & ENDLESS POSSIBILITIES! 17155 Hibiscus Lane | Sugarloaf Key, FL Some properties have potential. This one alread...
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 boatin...
Your boat, your backyard, the Atlantic just beyond the canal. Welcome to Breezeswept Dockside Retreat, a turnkey waterfront home on Ramrod Key designed for those who want...
Coastal Paradise with Income Potential! Stunning 2BR/2BA Home Steps from the Ocean. Embrace the ultimate coastal lifestyle in this beautifully maintained 2-bedroom, 2-ba...
Come home to the relaxed island lifestyle of Big Pine Key! Tucked away in a quiet, established neighborhood, this inviting 3-bedroom, 1.5-bath home with impact windows an...
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 Summerla...
Experience elevated island living in this striking modern residence in Cudjoe Key, where sleek design meets the raw beauty of the Atlantic. This white contemporary home s...
Rarely does a waterfront setting capture the essence of the Florida Keys quite like this. Occupying a spectacular west-facing point lot with 270 feet of open-water fronta...
Enjoy waterfront living at 27307 Martinique Lane in Ramrod Key! Situated on a corner canal with 185 feet of waterfront, this oceanside 3-bedroom, 2-bath home offers easy ...
Enjoy the best of the Florida Keys lifestyle with this cozy and updated home in beautiful Big Pine Key! This 2-bedroom, 1-bath property also features a bonus room, offeri...
Discover exceptional peace of mind in this meticulously maintained, upgraded & truly move-in-ready waterfront home! Thoughtfully improved with an emphasis on quality, eff...
This beautifully updated 2 bedroom, 2 bathroom home sits on an oversized lot and offers the perfect blend of comfort, style, and waterfront living. Enjoy a renovated kitc...
Tucked away on nearly 3 acres of lush native landscape, this Sugarloaf Key home has incredible privacy, with non-buildable land surrounding the property. The 2-bedroom, 2...
Rare DOUBLE SIZE LOT on OPEN WATER with BOATING ACCESS and ROGO EXEMPT LETTER IN HAND!! This property offers magnificent sunset views over the open water and has plenty ...
MOVE-IN-READY-FLORIDA KEYS WATERFRONT ON A 12,000 SF DOUBLE LOT FOR UNDER $1 MILLION! Meticulously maintained 2-bedroom, 2-bathroom home in desirable Breezeswept Beach Es...
Welcome to 49 Blue Water Drive, located in the beautiful and peaceful community of Saddlebunch Key! Built in 2022, this stunning three-bedroom, two-bathroom waterfront...
Discover an extraordinary waterfront sanctuary offering unmatched privacy, breathtaking sunsets over the Open Water and your own private sandy beach, just 4 miles from th...
SPECTACULAR OPEN-WATER VIEWS AND PROTECTED CANAL FRONTAGE WITH A BOAT HOUSE! Experience the ultimate Florida Keys waterfront lifestyle on this exceptional 1.14-acre prop...
Welcome to this spacious canal-front retreat set on an oversized half-acre lot with endless potential. This four-bedroom, 2,605 sq ft home offers a rare combination of wa...
OCEANFRONT INVESTMENT OPPORTUNITY | NIGHTLY RENTALS ALLOWED! Welcome to Oceanview Serenity, a completely renovated 2-bedroom, 2-bath waterfront retreat in the gated Vent...
Enjoy your own Florida Keys getaway with the flexibility of nightly rentals! Located on a spacious corner lot in the gated Venture Out community on Cudjoe Key, this 2-bed...
Embrace the Florida Keys lifestyle in this 3-bedroom, 2-bathroom canal-front home, where you can view the sunset over Newfound Harbor. Situated on an impressive 75-foot-...
Beautiful modern design meets tropical estate living in this stunning half-acre property on Cudjoe Key! Just 21 miles from Key West, with Key West International Airport o...
Welcome to 27416 Tobago Lane, where waterfront living and the Florida Keys lifestyle come together. This home offers open-water views and an abundance of indoor and outdo...
Truly unique and private estate property on the desired Sugarloaf Blvd. in Sugarloaf Shores. Ground level CBS house sits on 2 waterfront lots. Totaling over 1.3 acres of ...
Boating is at the heart of life at Venture Out Unit 321. This elevated, canal-front 2-bedroom, 2-bath home has a 35-foot concrete dock and seawall, with easy access from ...
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 d...
Searching for your piece of Keys paradise? Here it is! This tropical gem offers island living inside and out, excellent oceanside boating, sunset views over protected wet...
Looking for your own little piece of paradise? This waterfront home may be the one. Situated along a canal, it offers beautiful water views from the 17-foot concrete dock...
Breathtaking sunset views! Million-dollar views set the tone for this beautifully crafted 3-bedroom, 3-bath home in Saddlebunch Key, just minutes from Key West. Designed ...
Clear canal waters and easy Atlantic access set the scene for waterfront living at this well-maintained Summerland Key home. Situated on a deep, clean, flow-through canal...
Beautifully maintained CBS home in the desirable Eden Pines Colony, custom-built by well-known builder Art Fuchs. Situated on a 7,625 SF corner lot with approximately 19...
Experience exceptional boating and effortless Florida Keys living from this meticulously maintained Cudjoe Key residence, ideally positioned on a wide canal just 2 homes ...
Located in the quiet Indian Mounds neighborhood of Upper Sugarloaf Key, this elevated 3 bedroom, 2 bath home offers 1,296 square feet of comfortable living space. Impact-...
Set on a large, private lot at the corner of two canals, this 3-bedroom, 2-bath, 2,020 sq. ft. waterfront home offers exceptional outdoor living, quick boating access and...
Welcome to this inviting 3 bedroom, 3 bathroom home offering a spacious, flowing layout with high ceilings and a comfortable Keys lifestyle. Recent updates include new fl...
Exceptional Investment Opportunity in the Lower Florida Keys! Owner and private financing are available. This is one of the very few vacation rental properties licensed f...
BIG PINE KEY WATERFRONT RETREAT -- COMPLETELY REMODELED! Experience the Florida Keys lifestyle in this beautifully remodeled 2-bedroom, 2-bath concrete home with 1,124 s...
2.375% ASSUMABLE VA LOAN! Welcome to your own slice of paradise. Built in 2021, this 3-bed, 2-bath home combines modern construction with the relaxed, tropical lifestyle ...
Offering twice the space and an exceptional waterfront lifestyle, this 4 bedroom, 3 bath Ramrod Key home offers 2,242 sq. ft. of living space on a 6,000 sq. ft. canal-fro...
YOUR FLORIDA KEYS ESCAPE AWAITS! Welcome to your own slice of paradise in the highly sought-after gated community of Venture Out on Cudjoe Key. This beautifully furnished...
Spectacular sunset views from this custom-built, fully furnished 4-5 bedroom, 5½ bath oceanside home in beautiful Breeze Swept Beach Estates. Situated on an oversized 10,...
There are very few places left in the Florida Keys where you can experience true waterfront privacy, EXPANSIVE acreage, protected dockage, open-water views, and direct bo...
Set on a spacious 13,750 sq. ft. double lot, this 4 bedroom, 4 bath home offers 2,284 sq. ft. of living space surrounded by lush tropical landscaping and an exceptional c...
YOUR OCEAN FRONT FLORIDA KEYS ESCAPE AWAITS! Welcome to your own slice of paradise in the highly sought-after gated community of Venture Out on Cudjoe Key. This beautiful...
Your Florida Keys Retirement Retreat--and Investment Opportunity--Minutes from Key West Imagine waking up in the Florida Keys, stepping outside to your boat, and knowi...
A rare find on Big Pine Key! This home is ground level, but above flood. It sits on almost 1/2 an acre, with aprox 290 feet of concrete seawall, with access to the Gulf, ...
Your Florida Keys lifestyle is calling! This newly updated Big Pine Key home offers 3 bedrooms, 2 bathrooms and a spacious screened porch The perfect place to relax, ente...
Waterfront DUPLEX ~ CBS Construction 4BD/2BA with 2BD|1BA on each side. Property features, excellent boating access, full 70' concrete seawall, covered porch for both uni...
Bring your boat and start enjoying the waterfront lifestyle from this beautifully remodeled 2-bedroom, 2-bath canal-front home in the Lower Keys. Ideally positioned near ...
Discover the island lifestyle in this canal-front pool home with a 40 ft. concrete dock, 10,000 lb. boat lift and privacy-fenced back yard. Perfectly positioned on the 4t...
Florida Keys living starts here at this 1152 sq. ft. canal-front home with over 65 ft. of concrete seawall and room to enjoy the laid-back island lifestyle that we love i...
Your Slice of Paradise -- 12 Miles from Key West Tucked at the end of a quiet cul-de-sac, this beautifully appointed 2020-built home puts you one house in from open wa...
Exclusive New Construction in Big Pine Key, Florida Discover the perfect blend of modern luxury, coastal living, and exclusive design in this stunning newly constructe...
This spacious Big Pine Key home is situated on a lushly landscaped 12,500 sq. ft. double lot and offers 2,136 sq. ft. of living area with 4 bedrooms, 2 baths, fresh inter...
Brand-New Waterfront Luxury Home in the Florida Keys Discover the ultimate Florida Keys lifestyle in this stunning new construction waterfront home featuring 4 spaciou...
Brand-New Waterfront Home in the Florida Keys Discover the perfect blend of modern luxury and relaxed island living in this stunning brand-new construction home in the F...
Brand-New Waterfront Home in the Florida Keys Discover the ultimate Florida Keys lifestyle in this stunning brand-new construction, perfectly designed for those who love ...
This canal-front home offers the perfect blend of comfort, convenience, and the laid-back Florida Keys lifestyle. Located on a corner lot and built with durable CBS const...
Welcome to 22968 Drake Lane -- a charming canal-front home located on the desirable Cudjoe Key, one of the Lower Keys' wonderful communities. Set on a generous 7,500 SF l...
Tucked along a wide, deep canal, this concrete 3 bedroom, 1 bath home offers a thoughtfully designed split floor plan that creates privacy and flexibility rarely found in...
Set along a peaceful canal on Cudjoe Key, this 2016 residence pairs solid CBS construction with an unmistakably elevated sense of island living. This 4 bedroom, 3.5 bath ...
OPEN WATER VIEWS - BRAND NEW CUSTOM WATERFRONT HOME - DOUBLE LOT & MOVE IN READY. This ELEVATED 3 bedroom, 2 bathroom CBS home is a must see! Solid steel and concrete, ...
Built in 2024 and ready for island living! Welcome to 30851 Baileys Lane, a beautifully designed 3-bedroom, 2-bath waterfront home offering 1,120 sq. ft. of modern coasta...
Oceanfront views, a private concrete dock, and turnkey renovations just 15 minutes from Key West. This elevated 2-bedroom, 2-bath home in the Saddlebunch Keys offers the ...
Peaceful Big Pine Key retreat nestled within the beautiful National Key Deer Wildlife Refuge. This ground-level 3-bedroom, 1-bath concrete home offers the laid-back Keys ...
Great home, great location, and great price! Conveniently located in the sought-after Eden Pines neighborhood of Big Pine Key, this well-appointed home is just minutes fr...
Boating and open-water views await! This Big Pine Key property offers unobstructed water views along with 150 ft. of concrete seawall, protected dockage, and plenty of po...
Tropical Waterfront Living in the Florida Keys! Welcome to 24923 Park Drive in beautiful Summerland Key, where laid back Florida Keys living meets ultimate waterfront ...
This waterfront home features impact windows and doors throughout, providing reliable security and peace of mind. Boating enthusiasts will appreciate the direct canal acc...
Boat, swim, soak, repeat. A private Fl. Key boating, and resort style retreat designed for life outdoors. Enjoy your own boat slip, cool off in the pool, unwind in the ...
Single family turn key home on the open water facing in the highly desired Bay Point neighborhood. Featuring 3 bedrooms, 2 bathrooms, granite countertops, upgraded porcel...
Welcome to your tropical Keys retreat on a huge double lot totaling nearly half an acre--perfect for relaxing, entertaining, and enjoying the island lifestyle. Follow the...
Bring your vision and make this Big Pine Key property your own! Situated on two spacious, fully fenced lots, this 3bedroom, 2bath home offers plenty of room, flexibility,...
*Construction process underway. Expected completion November/December 2026 Embrace the ultimate Keys lifestyle in this spacious 1,500 sqft home, ideally situated alon...
Tucked away on Big Torch Key, this CBS-constructed waterfront home offers a quiet, private setting with beautiful open-water views and remarkable year-round sunsets. Surr...
Great opportunity to have your home in a charming neighborhood on Sugarloaf key, MM 19.5. Enjoy your 3-bedroom 2-bath single family home on a large 15000 sq ft lot with s...
Summerland Key Cove -- Come by Sea or by Plane A unique opportunity in Summerland Key Cove offering both canal-front living and access to the community's private airpo...
Look no further--this exceptional property truly has it all. This beautifully maintained CBS home boasts open-water views and is situated on an oversized lot on an extra-...
Welcome to the Mango Cottage on Summerland Key! Tucked away on a quiet dead-end street, this 3 bedroom, 1 bath canal front CBS home combines the laid back Florida Keys li...
Experience the beauty of the Lower Florida Keys from this waterfront 3-bedroom, 2-bath home offering breathtaking open water views in Big Pine Key. Enjoy spectacular sunr...
A Boating/Fishing Dream Home.... This Canal Front Stilt home sits on an oversized corner lot, in ''Key Deer Refuge'', beautiful wild-life and Key Deer abound, 2/bedroom,...
Experience the keys waterfront lifestyle! This charming 3 bedroom, 2 bath home has peekaboo views of Big Pine Bight and is minutes away from Bogie Channel with NO limitin...
Situated on an oversized corner lot at the end of a quiet street, this brand-new home is ready to welcome its first owner. Thoughtfully built with durability, quality, an...
Experience classic Florida Keys waterfront living in this spacious canal-front retreat on Sugarloaf Key, offering boating access, expansive indoor-outdoor living, and jus...
Welcome to Eden Pines--now offered at an exceptional new price of $700,000! This charming 3-bedroom, 2-bath home sits on a spacious and private 10,000 sq. ft. lot in the ...
Private Lower Keys opportunity! Nestled behind a lush hedge of mature Areca palms, this 2BR/2BA CBS home offers privacy, solid construction, and endless potential. Recent...
Nestled in the heart of Big Pine Key, this 2-bedroom, 2-bath canal-front ranch style home offers a rare opportunity to enjoy the Florida Keys lifestyle while investing fo...
Discover your paradise in the heart of Big Pine Key! This beautifully maintained 3-bedroom 2-bath CBS, stilted home offers the perfect blend of Lower Keys Island charm a...
Nestled in a quiet neighborhood on Big Pine Key, this property presents a rare opportunity to create your own Lower Keys retreat. Situated on a spacious 10,000 sq ft lot,...

Jim Signor: 305-394-4449