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.
For sale
$3,595,000
820 12th St, Key Colony Beach, FL 33051
6beds
3,333sqft
Est.:
Single Family Residence
Built in 1993
8,276.4 Square Feet Lot
$3,367,700 Zestimate®
$1,079/sqft
$-- HOA
What's special
Step-down dockFully furnishedOutdoor kitchenGranite countertopsAbundant natural lightEast-facing backyardOpen and airy floorplan
- 35 days |
- 825 |
- 26 |
Zillow last checked: 8 hours ago
Listing updated: February 06, 2026 at 02:43am
Listed by:
Ea Ruth 910-409-0120,
Loffreno Real Estate
Source: FLKMLS,MLS#: 618280
Originating MLS: Key West Association
Tour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 6
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Heating
- Central, Electric
Cooling
- Central Air, Ceiling Fans(s), Heat Pump
Appliances
- Included: Washer, Stainless Steel Appliance(s), Disposal, Microwave, Oven, Refrigerator, Dishwasher, Dryer
- Laundry: Laundry Room
Features
- Whirlpool Bath Tub, Walk-In Closet(s), Granite Counters, Cathedral Ceiling(s)
- Flooring: Tile, Carpet, Wood
- Windows: Drapes/Blinds Incl, Window Treatments, Other Windows/Doors, Impact Rstnce Window, Other
- Furnished: Yes
Interior area
- Total interior livable area: 3,333 sqft
Property
Parking
- Total spaces: 4
- Parking features: Garage, Off Street, Guest
- Has garage: Yes
Features
- Levels: Two
- Stories: 2
- Patio & porch: Open Porch/Balcony, Patio
- Exterior features: Outdoor Kitchen, Lighting
- Has private pool: Yes
- Pool features: Heated, In Ground, Decked
- Has spa: Yes
- Spa features: Private
- Has view: Yes
- View description: Ocean, Water, Canal, Bay/Gulf View
- Has water view: Yes
- Water view: Ocean,Water,Canal,Bay/Gulf View
- Waterfront features: Bay Front, Open Water, Canal Front, Waterfront, Seawall: Concrete, Dock: Concrete, Dock Length: 75, Dockage: Boat Lift
Lot
- Size: 8,276.4 Square Feet
- Features: Less Than 1/4 Acre
Details
- Parcel number: 00077350000000
- Zoning: R-1A
- Zoning description: Key Colony Single Family
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Single Family Residence
Materials
- CBS
- Roof: Tile
Condition
- Year built: 1993
Utilities & green energy
- Sewer: Municipal Sewer, Public Sewer
- Utilities for property: FKAA
Community & HOA
Community
- Features: Tennis Court(s), Bike Paths, Other, Beach
- Security: Smoke Detector(s)
- Subdivision: Key Colony Bch 2nd Addn (53.5)
HOA
- Has HOA: No
- Services included: None
Location
- Region: Key Colony Beach
Financial & listing details
- Price per square foot: $1,079/sqft
- Tax assessed value: $2,377,060
- Annual tax amount: $22,531
- Date on market: 1/23/2026
- Listing terms: Cash,Conventional
Estimated market value
$3,367,700
$3.20M - $3.54M
$7,430/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 1/23/2026 | Listed for sale | $3,595,000+24%$1,079/sqft |
Source: | ||
| 3/30/2022 | Sold | $2,899,000$870/sqft |
Source: | ||
| 1/31/2022 | Contingent | $2,899,000$870/sqft |
Source: | ||
| 1/25/2022 | Listed for sale | $2,899,000+3.5%$870/sqft |
Source: | ||
| 10/24/2021 | Listing removed | -- |
Source: | ||
| 4/27/2021 | Listed for sale | $2,800,000+266%$840/sqft |
Source: | ||
| 5/14/1998 | Sold | $765,000$230/sqft |
Source: Public Record Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $22,532 -5.8% | $2,377,060 -3.2% |
| 2024 | $23,910 +0.3% | $2,455,511 +1.3% |
| 2023 | $23,835 +68.2% | $2,422,955 +77.7% |
| 2022 | $14,173 +10.1% | $1,363,728 +10% |
| 2021 | $12,868 +13.4% | $1,239,753 +10% |
| 2020 | $11,344 | $1,127,048 -1.9% |
| 2019 | $11,344 -1.9% | $1,148,721 -7.1% |
| 2018 | $11,563 +0.4% | $1,236,552 +12.9% |
| 2017 | $11,520 +13.3% | $1,095,466 +13.7% |
| 2016 | $10,171 +6.3% | $963,782 -1.1% |
| 2015 | $9,566 | $974,879 |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$20,135/mo
Principal & interest
$17678
Property taxes
$2457
Climate risks
Neighborhood: 33051
Nearby schools
GreatSchools rating
- 4/10Stanley Switlik Elementary SchoolGrades: PK-5Distance: 4.4 mi
- 5/10Marathon SchoolGrades: 6-12Distance: 3.5 mi








