12 Bay Dr Lower Sugarloaf Key, FL 33040

Tucked along a wide, deep canal, this concrete 3 bedroom, 1 bath home offers a thoughtfully designed split floor plan that creates privacy and flexibility rarely found in a home of this size. The primary suite occupies its own side of the home, while the guest quarters are positioned on the opposite side--ideal for visiting family and friends, a home office, or simply having separate spaces to retreat and unwind. At the heart of the home, the living and kitchen areas bring everyone together with classic Conch island style and thoughtful updates, including new kitchen appliances, a remodeled bathroom, and efficient ductless mini-splits. Outside, the property feels like a private tropical retreat. Two mango trees, key lime, lemon, and starfruit trees mingle with palms and tropical flowers, creating a lush backdrop for slow mornings and easy entertaining. Relax on the sandy beach with lounge chairs, unwind in the jetted swim spa, rinse off in the outdoor shower with full bath, or enjoy the screened porch after a day on the water. For boaters, the waterfront setup is exceptional. The 50-foot-wide canal offers 3+ feet of control depth, complemented by a 75-foot concrete seawall, fish-cleaning station, and rare grandfathered private boat ramp--a feature increasingly difficult to find in the Keys. There's also abundant parking for large boat trailers, multiple vehicles, or a guest RV, plus a 30-amp RV hookup and wired for a whole house generator. Practical improvements include a newer roof, new 100-amp electrical service panel and mast, and mostly impact windows with shutters for the remainder, rounded out by a 14 foot sliding chainlink. Whether you're looking for a full-time island home or weekend escape, this property brings together privacy, boating access, generous parking, outdoor living, and tropical character in this truly special slice of the Florida Keys. Local favorite Baby's Coffee, a neighborhood park, and tennis/pickleball courts are just steps