Fin A Key Fishing Charters

27340 Overseas Highway
Ramrod Key FL, United States

Captain Jim Loftus of Fin-A-Key Charters provides personalized fishing charters in the lower Florida Keys from Big Pine Key to Key West. These pristine waters hold a huge variety of fish, and Captain Jim has the experience necessary for a memorable fishing trip.

Captain Jim’s boat is a popular and versatile 22 ft Panga LX that offers a comfortable ride for three guests. Powered by a 115 HP Evinrude engine, the boat can reach the fishing spots quickly, and it features an icebox to keep your drinks cool throughout the trip.

Fin-A-Key Charters gives you the opportunity to explore a wide range of fishing grounds, from backcountry shallows and flats to reefs and wrecks nearshore. Whether you want to test your skills against Bonefish, Permit, and Tarpon, or spend a few enjoyable hours fishing the reefs and wrecks for Groupers and Snappers, Captain Jim will provide all the bait, gear, and licenses needed for an enjoyable trip.

You will mainly be fishing with live bait, although cut and artificial baits can also be used. Fly fishermen are very welcome to hone their skills aboard this boat, provided they bring their own gear.

Captain Jim Loftus of Fin-A-Key Charters provides personalized fishing charters in the lower Florida Keys from Big Pine Key to Key West. These pristine waters hold a huge variety of fish, and Captain Jim has the experience necessary for a memorable f

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About this listing

Boat Specs

Panga 22 LX (Center console) originally built in 2008. Powered by a 115HP Evinrude engine, with a maximum cruising speed of 30 knots.

22 ft
3 persons
Types of Fishing
Inshore Fishing
Nearshore Fishing
Reef Fishing
Wreck Fishing
Flats Fishing
Backcountry Fishing
Fishing Techniques
Light Tackle
Heavy Tackle
Bottom Fishing
Fly Fishing
Drift Fishing
Targeted Species

Dolphin (Mahi Mahi)
Grouper (Black)

Grouper (Gag)

Shark (Bull)
Snapper (Mangrove)

Snapper (Mutton)
Snapper (Yellowtail)

Spotted Seatrout
Air Conditioning
Fighting Chair
Life Jackets
Fly Fishing Equipment
Snorkeling Equipment
Live Bait Well
Multimedia System
Wireless Trolling Motor
Tuna Tubes
Spearfishing Equipment
Ice Box
Life Jackets
Live Bait Well
Ice Box
Trip Includes
Rods, reels & tackle
Live Bait
Live and dead bait provided
Catch cleaning & filleting
Can be arraigned, please ask prior to trip
Bottled water provided.
First Mate
Fishing License Included
Included with charter package
Fly Fishing Equipment
FREE Cancellation
You can cancel or change your booking free of charge up to 7 days before the trip date.
Pickup not included
Transfer to/from departure site is not included in trip rates.

Other Policies  
Child Friendly
Children and females are more than welcome
You Keep Catch
Client keeps their catch within state laws
Catch and Release Allowed
Some species are catch & release only by state law

20% deposit charged upfront by FishingBooker to guarantee your reservation. The remaining balance is to be paid directly to the captain on or prior to your trip date in one of the following payment methods: Cash, Visa, Mastercard, American Express, PayPal.

About the Captain

Jim Loftus
Ramrod Key, Florida, United States
Member since January 2016
I've basically been fishing my entire life. I started out as a fresh water fisherman fishing rivers and lakes and then when I moved to Florida I began fishing the saltwater flats, reefs and wrecks. After a successful career in the business world I began exploring the idea of becoming a charter captain / guide and started the process of obtaining my US Coast Guard license to pursue my true passion for fishing. I've been a licensed captain for the past 10 years and I am a full time guide in the lower Florida Keys where I reside. In addition to my USCG license, I am a guide member of the Lower Keys Guides Association - a guide member of the Florida Coastal Conservation Association and an accredited captain of the International Game Fish Association. I am also fully insured to operate as a for hire charter/guide service. I also believe in giving back to our community so I do donate trips to the Wounder Warrior Foundation in order for our military personnel to relax at no charge to them.
Response time: within an hour
Response rate: 100%

Customer Reviews

4.83 out of 5 stars from 6 reviews

5 stars
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1 star

My Cousin and I had an awesome experience with Captain Jimmy. The weather was iffy with high winds on our only day in town to fish. Capt Jimmy knew we had a small window to fish and wanted to get us out on the water. Thanks to his knowledge of the backcountry, he was able to find an area protected from the winds that was full of fish. We managed to catch six or eight different species of fish one after another in conditions that were not most favorable. We also managed to fit in a couple hours of shark fishing, bottom fishing for other species all the while. We had a 6-8 foot bull shark hooked up on light tackle in no time once the chum went to work. It was really a great experience. The best part for me is that Captain Jimmy lets you be as hands on as you want to be. You have the feel as if you are fishing with a good buddy, rather than a charter Captain. We had such a great time and were so busy catching fish, we never stopped to eat lunch… that is saying something for me! I already booked my trip for July looking to hook up a few tarpon!! CAN’T WAIT!

Fished February 12, 2017
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  • Crew
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What an incredible two days spent with Captain Jim. His knowledge and his experience lead us to the fish that we set out for the highlight for me was working an 8 foot 240 pound bull shark fought for over an hour the most incredible experience of my life with nature. I highly recommend Captain Jim. His equipment is superb and his crew was amazing.

Fished February 11, 2017
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  • Crew
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Best reef Yellowtail fishing I have done !! Captain Jim worked with me , been I’m a bass fisherman !! And kept pulling the hook but a little quick lesson I was reeling them in after every cast .. It was a great experience and great dinner also .. I will definitely return !! Thanks Captain Jim !!

Fished July 30, 2016
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Fishing Reports

Bahia Honda Tarpon are Here!

April 28, 2017

The bite was hot and heavy at the Bahia Honda Bridge on Friday night. There were hundreds of Tarpons crashing the baits on the last half of the outgoing low tide, fortunately we were there to capitalize on the… Read Full Report →