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© 2026 DockOnly™. All rights reserved.

DockOnly™ and Dock Score™ are trademarks of Blue Mar Real Estate Group Inc.

Blue Mar Real Estate Group Inc., Licensed Florida Real Estate Broker

Blue Mar Real Estate Group Inc.

Licensed Florida Real Estate Broker · DBPR License CQ1018554

4000 Ponce De Leon Blvd, Suite 470, Coral Gables, FL 33146

[email protected]

Listing data is provided by participating Multiple Listing Services and is deemed reliable but not guaranteed. Each listing's MLS source and its required disclosures appear with that listing. Dock Score™ is a DockOnly.com rating and is not provided by or affiliated with any MLS or listing broker. NOAA chart data is public domain and for reference only, not for navigation. Full MLS Compliance

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+20

3127 Stewart Road

Middle Torch Key, FL, 33042

Active

$1,800,000

3127 Stewart Road

Middle Torch Key, FL, 33042

Active

$1,800,000

3

Bedrooms

2

Bathrooms

1,841 sqft

Living Area

1987

Year Built

$1,800,000Tour 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.

71,765

Lot Size (sqft)

976

Days on Market

Dock Score™

DockOnly
58
Fair

What shaped this score

✓Ocean Access
✓Dock with boat lift for up to 20ft
✓Bridge-free to bay
✓Fits boats up to ~62ft (est.)

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

Dock & Water AccessMLS

Bay FrontGulf FrontOpen Water

AI Aerial Imagery Detection

Dock DetectedBoat Lift DetectedDeep Water Indicators~53-71 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

Gorgeous Open Water home that has been beautifully remodeled on 1.65 Acres of private land with handicap accessibilty! Complete remodel done, including the concrete pilings completed by a licensed contractor. Huge downstairs enclosure with a 2-car garage, this is an incredible opportunity to own a piece of nature in the Florida Keys! Privacy abounds on 1.65 acres of beautifully preserved, natural habitat, nestled on the open water with great boating and amazing views from every room in the house! Completely remodeled, this 3 bedroom 2 bathroom home has clean lines and architecturally gorgeous open concept living. Stainless steel appliances, quartz countertops, pantry, breakfast nook, bar area, open dining room, several seating areas, fireplace and gorgeous views from all angles! This home has handicap accessibility including a new full-size elevator, custom master en-suite and open floor plan for easy access. Impact widows and doors, 2-car garage, 20,000 gallon cistern (with public water available if you would like), large storage/entertaining area, path to the dock that has Ipe wood and a 3,000 pound boat lift that can be upgraded to your needs... all on the open water. Great boating access to the gulf or ocean. Owner has repaired columns, trimmed trees to open up the view and is connected to public sewer. This house is truly unique and just waiting for its new owner! Property is virtually staged. Nature Lovers Paradise!

Schedule a Showing

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

Select a date

Location

Middle Torch Key, FL, 33042

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 Expert Realty LLC via Florida Keys MLS

Last updated: 7/3/2026

© 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.

Dock Score™

DockOnly
58
Fair

What shaped this score

✓Ocean Access
✓Dock with boat lift for up to 20ft
✓Bridge-free to bay
✓Fits boats up to ~62ft (est.)

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

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 →
Loading nearby marinas…
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Mortgage Calculator

Estimate your monthly payment for this waterfront property

20%

$360,000 down

%
Principal & Interest$9,340/mo
Property Tax (est. ~1.2%, varies by county)$1,800/mo
Home Insurance (est.)$250/mo
Total Monthly Payment$11,390
Loan Amount: $1,440,000Rate: 6.75%
Get Pre-Qualified

Estimated payments only. Actual rates and terms may vary.

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