Rapid urbanization and the widespread use of impervious materials have intensified the urban heat island (UHI) effect, raising surface temperatures and energy demands. Conventional concrete pavements contribute significantly due to their high thermal conductivity and low reflectivity. This study systematically investigates the development of thermally efficient concrete paver blocks using sustainable alternative fine aggregates to mitigate heat accumulation while retaining a minimum compressive strength of 35–45 MPa (recommended for medium traffic). Unlike prior isolated studies, this research offers a comprehensive comparative analysis of three sand replacements—Vermiculite powder (12.5–50%), Perlite powder (20–80%), and Crushed Glass (7.5–30%)—in M30-grade concrete. Fresh and hardened properties were evaluated through slump, density, and compressive strength tests at 7, 14, and 28 days, while infrared thermography quantified surface temperature variations under controlled heat exposure. Results showed significant thermal improvements, with optimal mixes Vermiculite 25% (VC-25), Perlite 40% (PR-40), and Crushed Glass 15% (CG-15) reducing surface temperatures by 25.1 °C, 22.2 °C, and 18.2 °C, respectively, while maintaining compressive strengths of 47.8 MPa, 38.8 MPa, and ~58 MPa. VC-25 proved superior, achieving the lowest surface temperature (26.3 °C) and 48.8% lower heat absorption than conventional concrete. The study establishes optimal replacement thresholds balancing insulation and strength, supporting SDGs 11, 12, and 13 through climate-responsive, resource-efficient construction materials.