820 12th Street, KEY COLONY, FL

$3,595,000

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6

Beds

4

Baths

3,333

Square feet

8,276

Land Size

About 820 12th Street

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.

Features of 820 12th Street

MLS® # 618280
Price $3,595,000
Bedrooms 6
Bathrooms 4.00
Full Baths 3
Half Baths 1
Square Footage 3,333
Land Size 8,276
Year Built 1993
Type Residential
Sub-Type Single Family
Status Active

Community Information

Address 820 12th Street
Area 17 - Vaca Cut - Both Sides Holiday Inn/Key Colony
Subdivision Key Colony Bch 2nd Addn (53.5)
City KEY COLONY
County Monroe
State FL
Zip Code 33051

Amenities

Amenities Tennis Courts, Bike Paths, Other Area Features, Beach
Utilities FKAA, Municipal Sewer
Parking Spaces 4
Parking Garage, Off Street Parking, Guest Parking
View Ocean View, Open Water View, Canal View, Bay/Gulf View
Is Waterfront Yes
Waterfront Bay Front, Open Water, Canal Front
Has Pool Yes
Pool In Ground, Decked

Interior

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
Heating Central, Electric
Cooling Central Air, Ceiling Fans(s), Heat Pump
Fireplace No
Stories 2 Stories

Exterior

Exterior Features Hot Tub, Outdoor Kitchen, Lighting
Lot Description Less Than 1/4 Acre
Windows Other Windows/Doors, Impact Rstnce Window
Roof Tile Roof
Construction CBS
Neighborhood Features Tennis Courts, Bike Paths, Other Area Features, Beach

Additional Information

Date Listed January 23rd, 2026
Days on Market 14
Zoning R-1A - Key Colony Single Family
Short Sale No
RE / Bank Owned No
HOA Fees 0.00

Listing Details

AgentEa Ruth
OfficeLoffreno Real Estate

Listing Map

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