You don't need a passport for these overwater bungalow-style stays

By Amanda Norcross, LuxuryVacationist.com USA TODAY Network via Reuters Connect

Updated July 11, 2026 3:20 AM

Want to escape to an overwater bungalow? Don't have time to fly to the Maldives? There are actually quite a few good options here in the United States. And while most of them don't offer bona fide overwater bungalows in the literal sense, they do come close: Think private, ultra-luxe accommodations near the water, immersive land and sea adventures, onsite dining options, and an authentic sense of place. Here are my top picks for that overwater bungalow experience ... no 14-hour flights required!

Bungalows Key Largo

Key Largo, Florida

The accommodations at Bungalows Key Largo may not be situated in the middle of the ocean, but they are close . . . and very over-the-top luxurious. At this all-inclusive, adults-only retreat (ages 21 and up) in the Florida Keys, the Waterfront and Garden Bungalows feature private porches with Adirondack chairs, hidden verandas with outdoor soaking tubs and showers, and cruisers for exploring the resort's lush 12-acre grounds.

You can also enjoy plush bedding, cozy bathrobes, and nightly turndown service. All-inclusive rates cover unlimited dining at five onsite restaurants; premium alcohol and a curated selection of wine and beer; water sports rentals; and fitness classes. For the ultimate indulgence, book a treatment at the Zen Garden Spa, where you can enjoy a massage as you listen to the waves lapping the shore.

DREAM TRIPS: The most secluded overwater bungalows in the Caribbean

Little Palm Island Resort & Spa

Little Torch Key, Florida

The only private-island resort in the U.S., Little Palm Island Resort & Spa is accessible exclusively by boat or seaplane. Located on a small island in the Florida Keys, this remote luxury resort has gorgeous thatched-roof bungalows just steps from the ocean. Each suite has a terrace with a couples' lounger, a copper soaking tub, and a rainfall shower, inviting you to fully unwind and immerse yourself in the natural surroundings.

Inside your bungalow, thoughtful touches include a mini-bar with complimentary refreshments, plush bathrobes and slippers, and an additional soaking tub. For those who can be tempted away from their tranquil retreat, there's also a variety of curated experiences to enjoy, from scuba diving at Looe Key Reef to taking a seaplane to Dry Tortugas National Park.

Disney's Polynesian Villas and Bungalows

Orlando, Florida

Hear me out on this one. It's true, Disney's Polynesian Villas and Bungalows aren't exactly near the ocean (the closest shoreline is about 90 minutes away), but these luxe bungalows do sit over Disney's Seven Seas Lagoon. And they're just a monorail ride, water taxi trip, or short walk from the Magic Kingdom.

Along the lagoon is a white-sand beach that doubles as a prime viewing spot for the Magic Kingdom's nightly fireworks. The bungalows feature decks and private plunge pools, a.k.a. the perfect place to cool off with a frozen Dole Whip (served onsite) on a steamy Florida afternoon. You can also expect separate bedrooms, fully equipped kitchens, and washers and dryers.

WORTH THE SPLURGE: 7 stunning overwater bungalows from the Maldives to Jamaica

The Ocean Bungalows at The Ritz-Carlton O'ahu, Turtle Bay

Oahu, Hawaii

Formerly called Turtle Bay Resort, The Ritz-Carlton O'ahu, Turtle Bay, offers 42 oceanfront bungalows tucked into a secluded section of the property. A stay in one of these ultra-spacious, 748-square-foot waterfront retreats gets you a private outdoor lanai just steps from the sand. Amenities include oversized bathrooms with soaking tubs and walk-in showers, as well as mini-fridges and sofa beds.

Oceanfront Bungalows guests enjoy direct beach access (with seasonal beach chairs and umbrellas), an exclusive infinity pool with poolside bar service, and complimentary rentals, including cruiser bikes and kayaks. As a guest, you also get access to the main resort's amenities, including top-rated restaurants and the Nalu Spa, considered one of the best wellness retreats in Hawaii.

FOR THE WHOLE FAMILY: Escape to paradise at these 11 kid-friendly all-inclusive beach resorts around the world

Terranea Resort

Palos Verdes, California

Perched atop a cliff overlooking the Pacific Ocean, Southern California's Terranea Resort is all about variety. There are luxe accommodations for couples and families alike, including bungalows right near the ocean's edge. You can enjoy a glass of wine while you watch the sun set from your bungalow patio (with a fire pit) or balcony (with an outdoor fireplace). Inside, the bungalows feature one or two bedrooms with king or queen beds outfitted in sumptuous linens.

Other amenities include a fully equipped kitchen, a Bose Bluetooth stereo, fitness equipment and a deep-soaking tub and walk-in shower in the bathroom. When you're ready to explore, the resort offers a wide array of activities, from ocean kayaking and snorkel tours to guided coastal hikes and even a private falconry experience. Kid-friendly perks include a splash pad, water slide, kids club and toddler buggy rentals.

The most romantic overwater bungalows in the US originally appeared on LuxuryVacationist.com.

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