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For sale
  • $3,595,000

    820 12th St, Key Colony Beach, FL 33051

    6beds
    3,333sqft
    : 
    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
    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.
    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#: 618280MLS LogoOriginating 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
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    Estimated market value

    $3,367,700

    $3.20M - $3.54M

    $7,430/mo

    Price history

    Price history
    DateEventPrice
    1/23/2026Listed for sale$3,595,000+24%$1,079/sqft
    Source: Key West AOR #618280 Report a problem
    3/30/2022Sold$2,899,000$870/sqft
    Source: FLKMLS #599342 Report a problem
    1/31/2022Contingent$2,899,000$870/sqft
    Source: FLKMLS #599342 Report a problem
    1/25/2022Listed for sale$2,899,000+3.5%$870/sqft
    Source: FLKMLS #599342 Report a problem
    10/24/2021Listing removed--
    Source: MLKAR Report a problem
    4/27/2021Listed for sale$2,800,000+266%$840/sqft
    Source: MLKAR #595804 Report a problem
    5/14/1998Sold$765,000$230/sqft
    Source: Public Record Report a problem

    Public tax history

    Public tax history
    YearProperty taxesTax 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

      Getting around

      1 / 100
      Car-Dependent
      33 / 100
      Somewhat Bikeable

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