Welcome to fin-a-key fishing charters

Start your adventure here by fishing the most fertile and pristine fishing grounds on planet Earth.


The Inshore,Flats, Backcountry fishing is based on 2 people, a 3rd. and final person can be added for an additional $75.00. The Reef and Wreck fishing is based on 3 people and a 4th. and final person can be added for $75.00

Reserve your Charter / Deposits


Pay with PayPal or a debit/credit card

You can reserve your charter by placing a deposit for the trip using PayPal with major credit cards or your PayPal account.

About Us


Captain Jim Loftus is a United States Coast Guard Master licensed captain and is fully insured. He is also a guide member of the Lower Keys Guides Association and the Florida Coastal Conservation Association.

The Boats

Capatin Jim owns and operates three vessels to cover your fishing needs. you have the ability to fish on a 16' Hewes Bonfisher - a 22' center console Panga or a 25' center console Mako.

Whats Included?

When you charter with Fin-A-Key we supply your license, equipment, live and dead bait, fuel, ice and bottled water, fish cleaning service and a safe and comfortable experience.


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Contact Us

Please call, text or email me with any questions


27340 Overseas Hwy, Ramrod Key, Florida 33042, United States

(305) 332-7555


7 Days a week from 6:00 am. to 8:pm.

Send us an email

fishing the back-country flats


Frequently asked questions

Q. Is there a deposit required to reserve a trip?

A. Yes, typically 20% of the trip chosen.

Q. Is there a cancellation policy?

A. Yes, all cancellations need to be made 7 days prior to the trip or the deposit is surrendered.

Q. Is my deposit refundable due to weather related issues?

A. Yes, you will receive 100% of your deposit back if your trip is canceled due to weather  conditions.

The Captain will make the determination on weather related cancellations such as wind, rain and lightning. Remember your safety is my top priority.

Q. Are there any fuel surcharges?

A. Never, all fuel and oil is included with your package.

Q. Do I need a fishing license?

A. No, the captains charter license covers all of his passengers.

Q. Is fish cleaning part of my charter?

A. Yes, the captain will clean and bag all of your fish to take with you should you choose.

Q. What should I bring?

A. Hat-Sunglasses (polarized if possible)-Sunblock-Non marking shoes or flip flops-Camera-Lunch and or any snacks you wish-Adult beverages in cans only please, no glass-Rain gear (you never know)

Q. Do you provide fly fishing gear?

A. Unfortunately I do not due to the fact that every person has different needs when it comes to fly fishing. You are more than welcome to bring your own.

Q. What safety equipment is on board?

A. All vessels have safety equipment required by the USCG such as life jackets-fire extinguishers-flares- first aid kit-throwable PFD-VHF radio-GPS-locator beacon.

Q. Do I need to pay additional for bait?

A. No, all bait alive and dead is part of your package.

Q. Does the boat provide ice and water?

A. Yes, the boat will have fresh ice and bottled water for you.

Q. Is there a discount for multi day trips?

A. Yes, a multi day discount can be negotiated at the time of reservation.

Q. Is there a discount for law enforcement or active military personnel?

A. Yes, the discount is 10%.

To get you in the mood

A little island music to get your day started right in the Keys!

My Blog