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$3,595,000

  • For Sale
  • Active
  • Single Family
  • 6 Beds
  • 3 Full Baths
  • 1 Partial Bath
  • 3,333 Sq. Ft.
  • Updated 6 hours ago

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Luxurious waterfront home offering sweeping views of Shelter Bay and 75 feet of deep-water (5 ft) dockage with direct ocean or Gulf access via Vaca Cut, just minutes to open water, a true boater's delight. Custom built by D'Asign Source, this six-bedroom 3.5-bath residence spans over 3,300 square feet and comes fully furnished (with select seller exclusions), making it ideal as a turnkey vacation rental (7 day minimum), second home, or primary residence. Designed in classic South Florida style, the home features soaring ceilings, an open and airy floorplan, abundant natural light, and whitewashed terracotta tile that adds warmth and timeless island character. The spacious kitchen includes granite countertops, stainless steel appliances with a Bosch convection cooktop, and a center island, perfectly suited for entertaining. A flexible sixth bedroom functions beautifully as an office on the second level, part of a private primary retreat that occupies the entire upper floor. Outdoor living is a highlight, with an east-facing backyard, a resort-style pool (resurfaced in 2021) and hot tub, outdoor kitchen, convenient poolside bathroom connects directly to one of the bedrooms (ideal for guest comfort and rental functionality), and lush, easy-care Xeriscaping, perfect for relaxed island evenings. Boaters will also appreciate the step-down dock and concrete seawall rebuilt in 2024, providing unobstructed water access. Additional features consist of a low maintenance brick paver driveway and 2 car garage (new door in 2025). Key Colony Beach is a planned island community known for its mobility, quiet streets, and dedicated city services. Residents enjoy public beaches, a par-3 golf course, marina, tennis and pickleball courts, scenic trails and biking paths. An exceptional opportunity for investors, water lovers, and those seeking a light-filled waterfront home where every detail supports both lifestyle and long-term value.

Full Property Details for 820 12th St

General

  • Price: $3,595,000
  • Taxes: $22,531 (2025)
  • Status: Active
  • Type: Single Family
  • Source: 927
  • MLS ID: 618280
  • Updated: 5/13/2026
  • Added to Site: 110 day(s) ago

Interior

  • Number of Rooms: 10
  • Interior Features: Walk-in Closet(s), Cathedral Ceilings, Drapes/Blinds Incl, Granite Counter Top, Smoke Alarms, Whirlpool Bath Tub, Window Treatments
  • Appliances: Stainless Steel Appliance(s), Dishwasher, Disposal, Dryer, Microwave, Oven, Refrigerator, Washer
  • Flooring: Wood, Tile, Carpet

Rooms

Bathrooms

  • Total Bathrooms: 4
  • Full Bathrooms: 3
  • Half Bathrooms: 1

Bedrooms

  • Total Bedrooms: 6

Other Rooms

  • Laundry: Laundry Room

Additional Information

  • Shared Amenities: Other Area Features, Bike Paths, Beach, Tennis Court(s)
  • Pool: Yes
  • Pool Description: Heated, In Ground, Decked

Exterior

  • Exterior Features: Lighting, Hot Tub, Outdoor Kitchen
  • Deck/Patio: Open Porch/Balcony, Patio
  • Porch/Patio/Deck: Open Porch/Balcony, Patio

Parking

  • Garage: Yes
  • Parking Features: Guest, Off Street

Location

  • Area: 17 - Vaca Cut - Both Sides Holiday Inn/Key Colony
  • County: Monroe
  • Subdivision: Key Colony Bch 2nd Addn (53.5)
  • Driving Directions: Take US1 to Sadowski Causeway, turn right on W. Ocean Dr, then right on 12th Street. Home is on the right at 820 12th Street.

Community

  • Assoc. Fees Include: None
  • Pets Allowed: Yes

Heating & Cooling

  • Central air: Yes
  • Air Conditioning: Yes
  • Cooling Type: Heat Pump, Central Air, Ceiling Fans(s)
  • Heating Type: Central, Electric

Structural Information

  • Construction: CBS
  • Roof: Tile
  • Windows/Doors: Impact Rstnce Window, Other Windows/Doors, Shutters
  • Square Feet: 3,333
  • Sq. Ft. Source: Tax Records
  • Year Built: 1993

Unit Information

  • Units in Building: 1

Lot Features

  • Property View: Canal, Open Water View, Ocean, Bay
  • Lot Size (Acres): 0.19
  • Lot Size (Sq. Ft.): 8,250
  • Lot Size Source: Tax Records
  • Zoning: R-1A - Key Colony Single Family

Water Features

  • Water Front: Yes
  • Water View: Yes
  • Water Front Desc.: Bay Front, Canal Front, Open Water

Financial Considerations

  • Tax Amount: $22,531.78
  • Tax Year: 2025
  • Terms: Cash, Conventional

Disclosures and Reports

  • Legal Description: BK 12 LT 40 KEY COLONY BEACH SECOND ADDN SHELTER KEY PB4-94 OR432-341 OR755-1020 OR855-236 OR1225-649 OR1318-2168/69AFF
  • Flood Zone: AE
  • APN: 00077350-000000

Listed by Loffreno Real Estate, Ea Ruth (910) 409-0120

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Listing agent

— 820 12th St —

  • Ea Ruth

    Loffreno Real Estate

Get Pre-Approved Today

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Schools serving 820 12th St

School District:Monroe County School District, Middle Torch Key, FL
NameGradesDistance
Stanley Switlik Elementary School
3400 Overseas Highway, Marathon, FL 33050
PK-54.4 mi
Marathon School
350 Sombrero Beach Road, Marathon, FL 33050
6-123.5 mi
Disclaimer: School attendance boundaries provided by ATTOM Data Solutions and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 820 12th St Get Price Alerts and Save Property

Date
Details
Price
Change
Source
1/23/2026
Listed
$3,595,000
24.01%
MLS
3/25/2022
Sold
$2,899,000
—
Public Record
Get Price Alerts and Save Property
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Tax History for 820 12th St

Year
Property Taxes
Change
Tax Assessment
Change
2024
$23,910
—
$2,377,060
-3%
2024
$23,910
—
$2,455,511
1%
2023
$23,835
85%
$2,422,955
95%
2021
$12,868
-9%
$1,239,762
-22%
2022
$14,173
10%
$1,582,383
40%
2021
$12,868
11%
$1,127,048
-2%
2019
$11,563
—
$1,148,721
-1%
2018
$11,520
13%
$1,166,176
6%
2017
$10,171
6%
$1,095,466
14%
2016
$9,566
-2%
$963,782
-1%
2015
$9,763
7%
$969,602
10%
2014
$9,132
3%
$881,457
6%
2013
$8,830
—
$829,387
—
View All
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Estimate the Cost for 820 12th St

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*These costs are estimates, and the interest rates assume exceptional credit standing.

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NMLS#: 1598647

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Listed by Loffreno Real Estate, Ea Ruth (910) 409-0120

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820 12th Street, Key Colony Beach, FL 33051 (MLS# 618280) is a Single Family property with 6 bedrooms, 3 full bathrooms and 1 partial bathroom. 820 12th Street is currently listed for $3,595,000 and was received on January 23, 2026. Want to learn more about 820 12th Street? Do you have questions about finding other Single Family real estate for sale in Key Colony Beach? You can browse all Key Colony Beach real estate or contact a Coldwell Banker agent to request more information.

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