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12 Bay Drive

Saddlebunch, FL, 33040

Active

$942,000

3

Bedrooms

1

Bathrooms

1,400 sqft

Living Area

1958

Year Built

9,150

Lot Size (sqft)

56

Days on Market

Dock Score™

DockOnly
66
Good

What shaped this score

✓Canal
✓Dock present
✓Premium waterfront location
✓Fits boats up to ~30ft (est.)

DockOnly.com rating, not provided by the MLS or listing broker.

Dock & Water AccessMLS

Canal Front

AI Aerial Imagery Detection

Dock DetectedSeawall Detected~12-16 ft dock

Detected by AI from open-source aerial mapping imagery and may not reflect current conditions. This information was not provided by the MLS or listing broker. Always verify dock infrastructure with the listing agent.

Navigation RouteDockOnly

Data sources: SFWMD AHED waterway polygons · FHWA National Bridge Inventory 2024 · Not provided by the MLS or listing broker.

Description

Concrete block, canal-front home with a private grandfathered boat ramp, 75 ft concrete seawall, and room to park the boat, the trailer, and the RV. The 50 ft wide canal offers 3+ ft control depth, with a fish-cleaning station right at the water. Inside, the split floor plan puts the primary suite on its own side of the home and the two guest bedrooms on the other, which works well for visiting guests, a home office, or simply having your own space. The living and kitchen areas keep their classic Conch character with practical updates: new kitchen appliances, a remodeled bathroom, and energy-efficient ductless mini-splits. The yard is a true tropical garden: two mango trees, key lime, and starfruit among palms and flowering plants. Spend afternoons on the private sand beach, in the jetted swim spa, or on the screened porch. An outdoor shower with a full bath makes coming in from the water easy. Improvements include a newer roof, new 100-amp electrical panel and mast, impact windows on most openings with shutters for the rest, a 30-amp RV hookup, wiring for a whole-house generator, and a 14 ft sliding chain-link gate. Assumable VA mortgage available to a qualified buyer. Baby's Coffee, a neighborhood park, and tennis and pickleball courts are just steps away. This home works as a full-time residence or a weekend escape, with the boating setup and parking that are hard to find in the Keys.

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See the property and tour the dock. A licensed waterfront specialist will arrange your private showing.

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Location

Saddlebunch, FL, 33040

No price history available for this property.

Displayed by Blue Mar Real Estate Group Inc., Licensed Florida Real Estate Broker (DBPR CQ1018554) · [email protected]

Listing courtesy of Island Welcome Real Estate LLC via Florida Keys MLS

Last checked: 9 hours ago

Listing updated: October 26, 2026

© 2026 Florida Keys Board of REALTORS®, Inc. All rights reserved. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Florida Keys Board of REALTORS®. Information is deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change, or withdrawal.

IDX information is provided exclusively for consumers' personal, non-commercial use. It may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Nearest Bridge Clearances

Florida Keys, critical for tall/large vessels

No bridge data available for this location.
FEMA Flood Zone AE
BFE: 8ft

Special Flood Hazard Area

View FEMA Flood Map →
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Mortgage Calculator

Estimate your monthly payment for this waterfront property

20%

$188,400 down

%
Principal & Interest$4,888/mo
Property Tax (est. ~1.2%, varies by county)$942/mo
Home Insurance (est.)$250/mo
Total Monthly Payment$6,080
Loan Amount: $753,600Rate: 6.75%
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Estimated payments only. Actual rates and terms may vary.

$942,000Tour the dockSchedule a Showing
Navigation note: Navigation routes show the shortest mapped path to open water. A vessel taller than the binding bridge clearance may still reach open water via a longer alternate route that we don't currently map. Verify navigability with a local captain or surveyor before relying on it.