3,333 Sq. Ft.
$1,079 / Sq. Ft.
3,333
Sq. Ft.
$1,079
per Sq. Ft.

Description

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...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.
  1. Listed by Ea Ruth • Loffreno Real Estate

Property Details for 820 12th Street

Waterfront
Bay Front, Open Water, Canal Front
Waterfront
Yes
Zoning
R-1A - Key Colony Single Family
Subdivision
Key Colony Bch 2nd Addn (53.5)
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.
Vehicle Storage
Garage, Off Street Parking, Guest Parking
Pets
Pets Allowed
LISTING UPDATED: 01/23/2026 02:11 PM

Property Details for 820 12th Street

StatusActive
MLS #618280
Days on Market1
Taxes$22,532 / year
HOA Fees-
Condo/Co-op Fees-
Compass TypeSingle Family
MLS TypeResidential / Single Family
Year Built1993
Lot Size0.19 AC / 8,250 SF
CountyMonroe County

Location

Listing Courtesy of Loffreno Real Estate
Add your commute

Building Information for 820 12th Street

Stories2Year Built1993Building Size-Lot Size0.19 AC / 8,250 SF

Payment Calculator

$19,399 per month

30 year fixed, 6.15% Interest

Principal and Interest

$17,521

Property Taxes

$1,878

HOA Dues

$0

The Payment Calculator is for illustrative purposes only.

Property Information for 820 12th Street

Summary
Location and General Information
  • Waterview: Ocean View, Open Water View, Canal View, Bay/Gulf View
  • Area: 17 - Vaca Cut - Both Sides Holiday Inn/Key Colony
  • Absolute Longitude: 81.026358
  • Control Depth: 5
  • Listing Board: Key West Association
  • Side: Bay/Gulf
  • Mile Marker: 53.5
  • Marathon Neighborhood: Marathon East - Gulf (Airport to Vaca)
  • Neighborhood Feature: Tennis Courts, Bike Paths, Other Area Features, Beach
  • Key/Island: Key Colony
Taxes and HOA Information
  • Association Info: Mandatory Home Owners Asc: No
  • Association Info: 1st Right of Refusal: No
  • Fee Includes: None
  • Furnished: Furnished
  • Tax Year: 2025
  • Tax Exemptions: None
Property
Lot Information
  • Acres: 0.19
  • Parcel #: 00077350-000000
  • Land Size: Less Than 1/4 Acre
Property and Assessments
  • Legal: BK 12 LT 40 KEY COLONY BEACH SECOND ADDN SHELTER KEY PB4-94 OR432-341 OR755-1020 OR855-236 OR1225-649 OR1318-2168/69AFF
  • MLS Approved: Y
  • SqFt Source: Tax Records
  • Flood Zone: AE
  • Rentals Allowed: Yes
  • Deed Restrictions: No
  • Picture Count: 55
  • Document Count: 0
  • Building Style: Above Flood: No
  • Title: Negotiable
Utilities
  • Utilities: FKAA, Municipal Sewer
  • Pub Sewer HkUp: Yes
  • Pool: Yes
  • Pool Info: Heated: Yes
  • Pool Info: In Ground, Decked
  • Porch/Balcony: Open Porch/Balcony, Patio
Interior and Exterior Features
Interior Features
  • Floor: Tile, Carpet, Wood
  • Interior Features: Drapes/Blinds Incl, Window Treatments, Whirlpool Bath Tub, Walk-in Closet(s), Smoke Alarms, Granite Counter Top, Cathedral Ceilings
  • Appliances: Washer, Stainless Steel Appliance(s), Disposal, Microwave, Oven, Refrigerator, Dishwasher, Dryer
Exterior Features
  • Roof: Tile Roof
  • Shutters: Other
  • Dockage: Dock Length: 75
  • Dockage: Dock: Concrete
  • Dockage: Seawall: Concrete
  • Construction: CBS
  • Dockage: Boat Lift
  • Exterior Features: Hot Tub, Outdoor Kitchen, Lighting
  • Windows/Doors: Other Windows/Doors, Impact Rstnce Window
Room Information
  • Specialty Rooms: Laundry Room
Room Information
Room 1 Information
  • Room Type: Living Room
  • Area: 569.97
  • Level: M
  • Dimensions: 27 x 21.11
  • Length: 27.0
  • Width: 21.11
Room 2 Information
  • Room Type: Kitchen
  • Area: 396.0
  • Level: M
  • Dimensions: 22 x 18
  • Length: 22.0
  • Width: 18.0
Room 3 Information
  • Room Type: Dining Room
  • Area: 120.0
  • Level: M
  • Dimensions: 12 x 10
  • Length: 12.0
  • Width: 10.0
Room 4 Information
  • Room Type: Other Room
  • Area: 63.99
  • Level: M
  • Dimensions: 9 x 7.11
  • Length: 9.0
  • Width: 7.11
  • Remarks: Laundry Room
Room 5 Information
  • Room Type: Bedroom 1
  • Area: 138.0
  • Level: M
  • Dimensions: 12 x 11.5
  • Length: 12.0
  • Width: 11.5
Room 6 Information
  • Room Type: Bedroom 2
  • Area: 120.0
  • Level: M
  • Dimensions: 12 x 10
  • Length: 12.0
  • Width: 10.0
Room 7 Information
  • Room Type: Bedroom 3
  • Area: 236.88
  • Level: M
  • Dimensions: 18.8 x 12.6
  • Length: 18.8
  • Width: 12.6
Room 8 Information
  • Room Type: Bedroom 4
  • Area: 168.0
  • Level: M
  • Dimensions: 14 x 12
  • Length: 14.0
  • Width: 12.0
Room 9 Information
  • Room Type: Bedroom 1
  • Area: 2647.19
  • Level: 2
  • Dimensions: 125.4 x 21.11
  • Length: 125.4
  • Width: 21.11
  • Remarks: Main Bedroom
Room 10 Information
  • Room Type: Bedroom 2
  • Area: 96.0
  • Level: 2
  • Dimensions: 12 x 8
  • Length: 12.0
  • Width: 8.0
  • Remarks: Currently an Office

Property History for 820 12th Street

DateEvent & SourcePriceAppreciation
Jan 23, 2026

Listed (Active)

FKMLS #618280

$3,595,000
Mar 30, 2022

Sold

FKMLS #599342

$2,899,000
Mar 25, 2022

Sold (Public Record)

Public Record #1487604764

$2,899,000
Jan 31, 2022

Pending

FKMLS #599342

Jan 31, 2022

Backup Contract

FKMLS #599342

Jan 25, 2022

Listed (Active)

FKMLS #599342

$2,899,000
Oct 23, 2021

Expired

FKMLS #595804

Apr 23, 2021

Listed (Active)

FKMLS #595804

$2,800,000
Apr 27, 1998

Sold

FKMLS #20055

$765,000
Nov 12, 1994

Listed (Active)

FKMLS #20055

$799,000
DateEvent & SourcePrice
01/23/2026

Listed (Active)

FKMLS #618280

$3,595,000
03/30/2022

Sold

FKMLS #599342

$2,899,000
03/25/2022

Sold (Public Record)

Public Record #1487604764

$2,899,000
01/31/2022

Pending

FKMLS #599342

01/31/2022

Backup Contract

FKMLS #599342

01/25/2022

Listed (Active)

FKMLS #599342

$2,899,000
10/23/2021

Expired

FKMLS #595804

04/23/2021

Listed (Active)

FKMLS #595804

$2,800,000
04/27/1998

Sold

FKMLS #20055

$765,000
11/12/1994

Listed (Active)

FKMLS #20055

$799,000

For completeness, Compass often displays two records for one sale: the MLS record and the public record.

Public Records for 820 12th Street

Taxable ValueLand$907,500Additions$1,469,560Total$2,377,060
Tax Record2024$23,910 ($1,993 / month)
Home Facts
Beds6Baths3.5Total Finished SqFt3,333 SqFtAbove Grade Finished SqFt3,333 SqFtStories2Lot Size8,250 SqFtStyleSingle Family ResidenceYear Built1993Year Renovated2013CountyMONROEAPN00077350-000000

Schools near 820 12th Street

This home is within Monroe.
Rating
School
Type
Grades
Distance
Public - PK to 5
Public - 6 to 12
Public - 9 to 12
Charter - PK to 5
Rating
School
Distance
Stanley Switlik Elementary School
PublicPK to 5

Marathon School
Public6 to 12

Coral Shores High School
Public9 to 12

Big Pine Academy
CharterPK to 5

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

Similar Homes

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820 12th Street is a single family home for sale in Key Colony Beach, FL 33051. This listing's school district is Monroe. Nearby schools include Stanley Switlik Elementary School, Marathon School and Coral Shores High School. 820 12th Street is a 6-bed, 4-bath, 3,333 sqft single family home built in 1993.

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of descriptions or measurements (including square footage measurements and property condition), such should be independently verified, and Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties expressly disclaims any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the discretion of the seller. No financial or legal advice provided. Equal Housing Opportunity. Subject to change at any time. Compass makes no guarantee, warranty or representation regarding the accuracy of any waterfront feature, water view or waterfront view.

Listing Courtesy of Loffreno Real Estate

Based on information from one of the following Multiple Listing Services: Beaches Multiple Listing Service, Inc., Martin County REALTORS® of the Treasure Coast, Inc., Miami Association of REALTORS®. Information being provided is for the visitor’s personal, noncommercial use and may not be used for any purpose other than to identify prospective properties visitor may be interested in purchasing. The data contained herein is copyrighted by Beaches Multiple Listing Service, Inc., Martin County REALTORS® of the Treasure Coast, Inc., Miami Association of REALTORS® is protected by all applicable copyright laws. Any dissemination of this information is in violation of copyright laws and is strictly prohibited. Property information referenced on this web site comes from the Internet Data Exchange (IDX) program of the MLS. This web site may reference real estate listing(s) held by a brokerage firm other than the broker and/or agent who owns this web site. For the avoidance of doubt, the accuracy of all information, regardless of source, is deemed reliable but not guaranteed and should be personally verified through personal inspection by and/or with the appropriate professionals.