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For sale
    • Price cut: $100K (1/16)
    $1,900,000

    3127 Stewart Rd, Middle Torch Key, FL 33042

    3beds
    1,841sqft
    : 
    Single Family Residence
    Built in 1987
    1.65 Acres Lot
    $-- Zestimate®
    $1,032/sqft
    $-- HOA

    What's special

    Boat liftAmazing viewsHandicap accessibilityPrivate landQuartz countertopsGreat boatingOpen concept living
    Gorgeous Open Water home that has been beautifully remodeled on 1.65 Acres of private land with handicap accessibilty! Complete remodel done, including the concrete pilings completed by a licensed contractor. Huge downstairs enclosure with a 2-car garage, this is an incredible opportunity to own a piece of nature in the Florida Keys! Privacy abounds on 1.65 acres of beautifully preserved, natural habitat, nestled on the open water with great boating and amazing views from every room in the house! Completely remodeled, this 3 bedroom 2 bathroom home has clean lines and architecturally gorgeous open concept living. Stainless steel appliances, quartz countertops, pantry, breakfast nook, bar area, open dining room, several seating areas, fireplace and gorgeous views from all angles! This home has handicap accessibility including a new full-size elevator, custom master en-suite and open floor plan for easy access. Impact widows and doors, 2-car garage, 20,000 gallon cistern (with public water available if you would like), large storage/entertaining area, path to the dock that has Ipe wood and a 3,000 pound boat lift that can be upgraded to your needs... all on the open water. Great boating access to the gulf or ocean. Owner has repaired columns, trimmed trees to open up the view and is connected to public sewer. This house is truly unique and just waiting for its new owner! Property is virtually staged. Nature Lovers Paradise!
    857 days
    |
    872
    |
    34
    |

    Zillow last checked: 7 hours ago

    Listing updated: January 16, 2026 at 05:32am

    Listed by:

    Pamela A Stangler 305-433-1036,

    Expert Realty LLC,

    Cole Stangler 305-890-6417,

    Expert Realty LLC

    Source: FLKMLS,MLS#: 607483MLS LogoOriginating MLS: Marathon/Lower Keys

    Tour with a local agent

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 3
      • Bathrooms: 2
      • Full bathrooms: 2
      Cooling
      • Central Air, Ceiling Fans(s)
      Appliances
      • Included: Washer, Stainless Steel Appliance(s), Oven, Range, Refrigerator, Dishwasher, Dryer
      Features
      • Fireplace(s), Quartz Countertops, Storage, Elevator, Built-in Cabinets, Pantry
      • Flooring: Vinyl
      • Doors: Impact Rstnce Doors
      • Windows: Other Windows/Doors, Impact Rstnce Window
      • Has fireplace: Yes
      Interior area
      • Total interior livable area: 1,841 sqft
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      Property

      Parking
      • Total spaces: 4
      • Parking features: Garage, Covered, Off Street, Garage Door Opener, Attached
      • Has attached garage: Yes
      • Has uncovered spaces: Yes
      Accessibility
      • Accessibility features: Yes, Accessible Full Bath, Accessible Elevator Installed
      Features
      • Patio & porch: Open Porch/Balcony
      • Exterior features: Storage
      • Has view: Yes
      • View description: Bay/Gulf View, Water
      • Has water view: Yes
      • Water view: Bay/Gulf View,Water
      • Waterfront features: Bay Front, Open Water, Gulf Front, Waterfront, Dock: Other, Dock Length: 80, Dockage: Boat Lift
      Lot
      • Size: 1.65 Acres
      • Features: 1 Less Than 2 Acres
      Details
      • Parcel number: 00224920000000
      • Zoning: IS
      • Zoning description: Improved Subivision District

      Construction

      Type & style
      • Home type: SingleFamily
      • Property subtype: Single Family Residence
      Materials
      • Frame
      • Roof: Metal
      Condition
      • Updated/Remodeled
      • New construction: No
      • Year built: 1987

      Utilities & green energy

      • Sewer: Municipal Sewer, Public Sewer
      • Water: Cistern
      • Utilities for property: Buyer to Verify

      Community & HOA

      Community
      • Security: Smoke Detector(s)
      • Subdivision: Middle Torch Key Est (28.0)
      HOA
      • Has HOA: No
      • Services included: None
      Location
      • Region: Middle Torch Key

      Financial & listing details

      • Price per square foot: $1,032/sqft
      • Tax assessed value: $1,110,318
      • Annual tax amount: $10,025
      • Date on market: 11/18/2023
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        Estimated market value

        Not available

        Estimated sales range

        Not available

        Not available

        Price history

        Price history
        DateEventPrice
        1/16/2026Price change$1,900,000-5%$1,032/sqft
        Source: FLKMLS #607483 Report a problem
        6/1/2025Price change$2,000,000+11.2%$1,086/sqft
        Source: FLKMLS #607483 Report a problem
        10/4/2024Price change$1,799,000-4.1%$977/sqft
        Source: FLKMLS #607483 Report a problem
        2/9/2024Price change$1,875,000-5.8%$1,018/sqft
        Source: FLKMLS #607483 Report a problem
        11/18/2023Listed for sale$1,990,000+17.1%$1,081/sqft
        Source: FLKMLS #607483 Report a problem
        8/10/2023Listing removed--
        Source: FLKMLS #603812 Report a problem
        7/7/2023Price change$1,700,000-5.6%$923/sqft
        Source: Key West AOR #603812 Report a problem
        1/17/2023Listed for sale$1,800,000+2.9%$978/sqft
        Source: Key West AOR #603812 Report a problem
        9/1/2022Listing removed--
        Source: MLKAR Report a problem
        7/10/2022Price change$1,749,000-1.2%$950/sqft
        Source: Key West AOR #599259 Report a problem
        6/10/2022Price change$1,770,000-0.3%$961/sqft
        Source: Key West AOR #599259 Report a problem
        3/14/2022Price change$1,775,000-1.4%$964/sqft
        Source: FLKMLS #599259 Report a problem
        1/19/2022Listed for sale$1,800,000+94.6%$978/sqft
        Source: Key West AOR #599259 Report a problem
        7/10/2018Sold$925,000-7.4%$502/sqft
        Source: FLKMLS #577749 Report a problem
        12/6/2017Listed for sale$999,000+11.6%$543/sqft
        Source: Coldwell Banker Schmitt RE Co. Lower Keys Office #577749 Report a problem
        2/5/2016Listing removed$895,000$486/sqft
        Source: ADDvantage Real Estate #569335 Report a problem
        1/8/2016Price change$895,000-10.1%$486/sqft
        Source: ADDvantage Real Estate #569335 Report a problem
        12/4/2015Listed for sale$995,000+452.8%$540/sqft
        Source: Owner Report a problem
        12/31/1996Sold$180,000$98/sqft
        Source: Public Record Report a problem

        Public tax history

        Public tax history
        YearProperty taxesTax assessment
        2025$10,510 +2.9%$1,110,318 +0.3%
        2024$10,213 +1.9%$1,106,857 +1.5%
        2023$10,025 +5.8%$1,090,859 +10%
        2022$9,479 +5.6%$991,690 +10%
        2021$8,973 +6.4%$901,536 +8%
        2020$8,437 $834,511 +7.4%
        2019$8,437 +6.3%$777,064 +273.3%
        2018$7,936 +241.5%$208,153 +2.1%
        2017$2,324 +2.7%$203,872 +2.1%
        2016$2,263 -0.3%$199,679 +0.7%
        2015$2,270 $198,291

        Find assessor info on the county website

        BuyAbility℠ payment

        Est. payment
        $10,629/mo
        Principal & interest
        $9331
        Property taxes
        $1298
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          Neighborhood: 33042

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          Car-Dependent
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