13 Dreamy Overwater Bungalows To Book In Florida

Florida offers some of the most stunning overwater accommodations in the United States, where crystal-clear waters meet luxury hospitality.

These floating retreats provide an escape from everyday life while keeping you close to mainland adventures. You’ll wake up to gentle waves beneath your feet and endless ocean views right outside your door.

Whether you’re planning a romantic getaway or seeking a unique vacation experience, these overwater bungalows deliver unforgettable memories in the Sunshine State.

1. Little Palm Island Resort & Spa Overwater Bungalows

When you’re searching for the ultimate romantic escape, Little Palm Island delivers pure magic. This adults-only paradise sits on a private island in the Florida Keys, accessible only by seaplane or boat.

Your overwater suite features a private deck with direct ocean access and unobstructed sunset views. The thatched-roof design blends tropical elegance with modern luxury amenities. You can snorkel right from your doorstep or simply relax in your outdoor soaking tub.

The resort’s award-winning spa and fine dining restaurant make this a complete luxury experience. Rates start around $2,000 per night, but the memories you’ll create are truly priceless for special occasions.

2. Hawks Cay Resort Duck Key Overwater Villas

With water beneath you and sky above, Hawks Cay offers an immersive ocean experience unlike anywhere else in the Keys.

Each villa includes a glass-bottom coffee table for underwater viewing and a private outdoor shower. The resort offers dolphin encounters, making this perfect for families seeking adventure. You’ll have access to multiple pools, restaurants, and water sports equipment.

The location provides easy access to Key Largo and Islamorada attractions while maintaining a secluded feel. Booking early is essential as these popular villas fill up quickly, especially during peak season months from December through April.

3. The Ocean House at Pelican Bay

Naples’ hidden gem offers sophisticated overwater living without the typical tropical theme. The Ocean House features contemporary design with floor-to-ceiling windows that showcase spectacular Gulf Coast views.

Your suite includes a private balcony with direct water access and premium furnishings throughout. The location puts you minutes from Naples’ world-class shopping and dining on Fifth Avenue. You can kayak through mangrove tunnels or simply enjoy the peaceful bay setting.

This boutique property caters to discerning travelers who appreciate understated luxury. The staff provides personalized service that makes every guest feel like a VIP during their stay.

4. Postcard Inn Beach Resort & Marina Overwater Cabanas

Bright, bold, and utterly beachy these overwater cabanas in Islamorada bring retro vibes to a modern island escape.

Each cabana includes a private deck with ladder access to the water below. You’re steps away from the resort’s tiki bar and renowned restaurants serving fresh seafood. The property’s vintage aesthetic creates a fun, relaxed atmosphere that appeals to younger travelers.

The marina location means easy access to fishing charters and snorkeling excursions. You can watch stunning sunsets while sipping cocktails on your private deck, making every evening feel like a celebration in paradise.

5. Bungalows Key Largo All-Inclusive Overwater Suites

Everything you need for a romantic getaway is included at Key Largo’s debut overwater all-inclusive from dining to entertainment, and of course, endless ocean views.

Your waterfront suite features rustic-chic decor with modern amenities and a private deck perfect for morning coffee. The property offers complimentary snorkeling gear, kayaks, and paddleboards for exploring the surrounding waters. You’ll enjoy gourmet dining without worrying about additional costs.

The intimate size means personalized attention from staff who remember your preferences. Evening entertainment includes live music and themed dinners that showcase local culture and cuisine throughout your stay.

6. Cheeca Lodge & Spa Overwater Bungalows

Blending old-Florida elegance with upscale amenities, Cheeca Lodge’s overwater accommodations offer an unparalleled retreat for sophisticated travelers.

Your private retreat includes direct water access and panoramic ocean views from every window. The resort’s championship golf course, world-class spa, and multiple dining venues ensure you never run out of activities. You can fish from your deck or explore nearby coral reefs.

The property’s rich history dating back to the 1940s adds character to your modern luxury experience. Celebrity guests have long chosen Cheeca Lodge for its perfect blend of sophistication and tropical charm.

7. Pier House Resort Overwater Suites

Key West’s historic waterfront offers unique overwater accommodations with authentic local character. Pier House Resort’s suites sit directly above the bustling harbor where you can watch boats come and go all day.

Your suite features vintage nautical decor and a private balcony overlooking Mallory Square’s famous sunset celebrations. The location puts you walking distance from Duval Street’s entertainment and dining options. You’ll fall asleep to gentle waves and wake up to spectacular sunrise views.

The resort’s beach club and spa provide relaxation options when you need a break from Key West’s energetic atmosphere. This property perfectly captures the island’s laid-back spirit and maritime heritage.

8. The Reach Resort Overwater Pavilions

Sleek and striking, the overwater pavilions at The Reach seem to levitate above the ocean, pairing modern architecture with the rare beauty of a natural beachscape.

Each pavilion includes floor-to-ceiling windows, a private infinity-edge hot tub, and direct beach access. You’re minutes from downtown Key West but feel worlds away from the crowds. The resort’s beachfront restaurant serves innovative cuisine with stunning ocean views.

Morning yoga sessions on your private deck become daily rituals as you connect with nature. The pavilions’ sophisticated design attracts travelers who appreciate contemporary luxury in a tropical setting.

9. Casa Marina Resort Overwater Casitas

Floating above a peaceful lagoon, Casa Marina’s casitas offer a refined mix of Spanish colonial architecture and barefoot island luxury.

Your casita features authentic tile work, wrought iron details, and a private terrace with water access. The resort’s historic charm dates back to the 1920s when it hosted famous guests like Ernest Hemingway. You can explore the property’s extensive grounds or relax by multiple pools.

The location offers easy access to Key West’s attractions while providing a peaceful retreat. Evening cocktails on your terrace become magical as you watch the sunset paint the sky in brilliant colors.

10. Sunset Key Cottages Overwater Retreats

Just a short boat ride from Key West, Sunset Key’s private island location offers the ultimate overwater escape. Its exclusive cottages deliver total seclusion without sacrificing convenient access to mainland excitement.

Your cottage includes a wraparound porch, outdoor shower, and direct water access for swimming or kayaking. The island’s pristine beaches and walking trails offer peaceful exploration opportunities. You’ll enjoy personalized service from staff who cater to your every need.

The property’s exclusivity means limited crowds and maximum relaxation throughout your stay. Transportation to Key West is complimentary, allowing you to enjoy both island solitude and city excitement on the same trip.

11. Marriott Key Largo Bay Resort Overwater Villas

Perched above Key Largo’s turquoise shallows, Marriott’s overwater villas deliver tropical luxury backed by trusted brand reliability. These generously sized retreats cater equally to families seeking adventure and couples craving relaxation in the Florida Keys.

Your villa includes a full kitchen, separate living area, and expansive deck with direct bay access. The resort provides complimentary snorkeling equipment and kayaks for exploring the surrounding waters. Multiple dining options and a full-service spa ensure all your needs are met on-site.

The property’s location near John Pennekamp Coral Reef State Park makes it ideal for underwater adventures. You can book glass-bottom boat tours or diving excursions directly through the resort’s concierge services.

12. Tranquility Bay Beach House Resort Overwater Suites

Marathon’s Tranquility Bay offers beach house-style overwater suites that feel like your own private coastal retreat. These charming accommodations feature relaxed coastal decor and stunning bay views from every room.

Your suite includes a full kitchen, screened porch, and private dock perfect for fishing or simply watching dolphins play. The resort’s family-friendly atmosphere makes it ideal for multi-generational vacations. You’ll have access to multiple pools, tennis courts, and water sports equipment.

The property’s name perfectly describes the peaceful atmosphere you’ll experience during your stay. Early morning coffee on your dock becomes a cherished daily ritual as you watch the sun rise over the bay.

13. Amara Cay Resort Overwater Bungalows

Sleek bungalows now hover above Islamorada’s turquoise waters, as Amara Cay’s newest overwater retreat blends minimalist architecture with the laid-back charm of the Keys. With clean lines, natural textures, and upscale comforts, the experience feels both modern and rooted in place.

Each bungalow includes a private deck with outdoor shower and direct water access for swimming or snorkeling. The resort’s farm-to-table restaurant showcases local ingredients and fresh seafood. You can enjoy complimentary water sports equipment or simply relax in your hammock.

The property’s boutique size ensures personalized service and an intimate atmosphere throughout your stay. Special packages often include spa treatments, dining credits, and adventure excursions that showcase the best of the Florida Keys experience.