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For sale

181 12th St

Key Colony, FL 33051

$2,299,000

$1,295/ft²

3Beds
2Baths
1,775Sq ft
1997Year built
Single-family homeType

About this home

Welcome to modern coastal living in Key Colony Beach, one of the true gems of the Florida Keys. This fully remodeled pool home blends a clean, contemporary style with an easy, open layout that feels tailor-made for the Keys lifestyle. Sitting on a rare 16,725 sq ft lot—about twice the typical size—and on the highly desired west side of the island, there’s ample room for multiple vehicles, trailers, and even an RV. The solid CBS stilt home is surrounded by lush landscaping and fruit trees for a private, tropical setting. Inside, cathedral ceilings make the 3 bed, 2 bath, 1,775 sq ft floor plan feel even more spacious. Nesting sliders open to a large screened porch, new outdoor kitchen, and multiple seating areas around the pool, creating a seamless indoor-outdoor flow that’s ideal for entertaining. Set on an enchanting corner lot just minutes from open water, you’ll enjoy cooling ocean breezes and a short stroll to Sunset Beach Park for nightly sunsets. Boaters will love the 50' concrete dock with 50-amp power and water, with quick access to both the ocean and Bay via Vaca Cut—putting the Vaca sandbar, fishing, diving, and snorkeling all a short boat ride away. With an adjustable-temperature pool for year-round use and 7-day rentals allowed, this property works beautifully as a personal retreat, income-producing vacation rental, or a combination of both. It’s a turnkey Keys home in one of Key Colony Beach’s most coveted locations.

Features

  • Waterfront

Property details

Listing

MLS #
A12037164
Status
For sale
Listed on
Jun 14, 2026
Days on market
56 days
Listing data updated
Jul 15, 2026

Interior

Beds
3
Baths
2
Living area
1,775 ft²
Price per ft²
$1,295/ft²

Building & community

Type
Single-family home
Year built
1997
County
Monroe

Lot & exterior

Lot size
16,725 ft²
Waterfront
Yes

Days on market, price per ft² and the monthly HOA amount are calculated by this site from the MLS data shown; the association fee is normalized to a monthly figure.

True monthly cost

Mortgage (principal & interest)
$11,625
Property taxes (est.)
$2,108
Home insurance (est.)
$600
Flood insurance (est.)

Estimated total$14,333*/mo

* Some cost lines aren't available yet for this listing; the total shown is incomplete.

Based on 20% down, a 6.5% rate and a 30-year loan, plus this home's estimated Florida carrying costs. All figures are illustrative estimates — not quotes, not financial or insurance advice.

Sources: flood zone — FEMA National Flood Hazard Layer; mortgage, taxes and insurance figures — this site's own estimates; HOA / CDD — as reported for this listing.

What will this home really cost you?

Location

Mortgage calculator

$11,625/moEstimated principal & interest. Taxes, insurance, and HOA are not included. This is an estimate, not a quote or financial advice.

Equal Housing Opportunity

This listing is courtesy of LoKation.

Ewa Schwarz · 305-781-5704 · TheKeysLifestyle@gmail.com · 954-545-5583

Data deemed reliable, but is not guaranteed accurate by MIAMI REALTORS®.

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