Waterfront Homes for Sale in Sugarloaf Key, FL
This page tracks every Sugarloaf Key listing whose MLS record reports waterfront (ocean, bay, Intracoastal, river, canal or lake frontage), by community, with live counts and asking prices, and the costs that come with the water.
15 waterfront homes are for sale or pending in Sugarloaf Key, FL today across 3 communities. The median asking price is $2,849,000, from $949,000 to $19,750,000. Most listings right now: Sugarloaf Shores (17.0) (12), Sugarloaf Beach (17.0) (2), Orchid Park Sub (17.0) (1). Updated November 7, 2026 from the MLS.
Live waterfront homes in Sugarloaf Key: the listings
12 active listings carry the flag today (71% of Sugarloaf Key inventory), median asking $3,599,500, median 137 days on market. Photo cards link to the listing; refreshed nightly.
Newest waterfront homes in Sugarloaf Key
The most expensive waterfront homes in Sugarloaf Key
| Listing | Asking | Sq ft | Community |
|---|---|---|---|
| 15760 Old State Road 4A | $19,750,000 | — | monroe county |
| 1041 Buttonwood Drive | $9,970,000 | — | monroe county |
| 16750 Old State Road 4A | $8,995,000 | — | monroe county |
| 17162 W Starfish Lane | $6,400,000 | — | monroe county |
| 17013 Coral Drive | $5,200,000 | — | monroe county |
| 17015 W Wahoo Lane | $3,999,999 | — | — |
| 17183 Coral Drive | $3,199,000 | — | — |
| 1481 Sugarloaf Boulevard | $1,650,000 | — | — |
| 182 Venetian Way | $1,595,000 | — | — |
| 17286 Jamaica Lane | $1,200,000 | — | — |
Waterfront Homes by price
| Band | For sale | Share |
|---|---|---|
| $750K–$1M | 2 | 17% |
| $1M+ | 10 | 83% |
Sugarloaf Key waterfront homes by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale.
| Community | Waterfront Homes | New build | Median list | From |
|---|---|---|---|---|
| Sugarloaf Shores (17.0) | 12 | 2 | $2,699,000 | $949,000 |
| Sugarloaf Beach (17.0) | 2 | 0 | $14,372,500 | $8,995,000 |
| Orchid Park Sub (17.0) | 1 | 0 | $1,200,000 | $1,200,000 |
What waterfront ownership really costs
Waterfront homes carry costs inland homes do not: flood insurance where the parcel sits in a FEMA special flood hazard area, higher windstorm premiums closer to open water, and upkeep for seawalls, docks and lifts. Before you offer, pull the FEMA flood zone for the specific parcel, ask for the seawall’s age and any inspection reports, and get an insurance quote in hand, not an estimate. Our flood insurance calculator and wind mitigation savings calculator show what the parcel will actually cost to insure.
Questions to ask about any waterfront listing
Is the water frontage deeded or association-owned? Is there a fixed bridge between the dock and open water, and what is the clearance? What did the seller pay for flood and wind coverage last year, and with which carriers? Has the seawall or dock been permitted and inspected? What is the finished-floor elevation? A local agent who works waterfront deals will know which canals hold depth at low tide and which carriers are writing in the area.
Common questions
How many waterfront homes are for sale in Sugarloaf Key?
What do waterfront homes cost in Sugarloaf Key?
Which Sugarloaf Key community has the most waterfront homes for sale?
Is a waterfront home always in a flood zone?
Keep exploring Sugarloaf Key
Waterfront Homes in nearby Monroe County cities
- Marathon waterfront homes (166 for sale)
- Key Largo waterfront homes (142 for sale)
- Plantation Key waterfront homes (65 for sale)
- Big Pine Key waterfront homes (62 for sale)
- Key Colony waterfront homes (60 for sale)
- Cudjoe Key waterfront homes (36 for sale)
- Duck Key waterfront homes (32 for sale)
- Key West waterfront homes (30 for sale)
Live data: floridakeys, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in Sugarloaf Key, FL whose MLS record reports waterfront. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.