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581 12Th Street

Key Colony, FL, 33051

Active

$2,174,000

4

Bedrooms

2

Bathrooms

1,800 sqft

Living Area

1982

Year Built

9,600

Lot Size (sqft)

49

Days on Market

Dock Score™

DockOnly
74
Good

What shaped this score

✓Canal
✓Dock with boat lift
✓Premium waterfront location
✓Fits boats up to ~40ft (est.)

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

Dock & Water AccessMLS

Canal Front

AI Aerial Imagery Detection

Dock DetectedBoat Lift DetectedSeawall Detected~30-40 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

Set along the water in sought-after Key Colony Beach, this 4-bedroom, 2-bath home captures everything buyers love about the Florida Keys--boating, a private pool, generous outdoor living space, and a strong history as a successful vacation rental. Inside, the layout is comfortable and inviting, with an open kitchen featuring abundant cabinetry, expansive countertops, and bar seating that flows naturally into the dining and living areas. Four bedrooms provide plenty of room for family and guests, while the primary suite enjoys its own bath and access to a covered outdoor deck. A dedicated laundry area adds everyday convenience. The outdoor spaces are the real highlight. The waterfront backyard is designed for the Keys lifestyle, with a private swimming pool, spacious pool deck, covered entertaining area, outdoor shower, tropical landscaping, and plenty of room to relax after a day on the water. The property also offers substantial canal frontage with a seawall, dockage, and a boat lift, creating an easy setup for boaters. From here, enjoy convenient access toward both the Gulf and Atlantic for fishing, diving, snorkeling, and days on the water. Back at home, cool off in the pool, lounge along the canal, or gather beneath the covered lower-level entertaining space. Additional features include a metal roof, covered parking and storage areas, mature tropical landscaping, and multiple outdoor spaces that make the home especially well suited for full-time living, a family getaway, or continued vacation rental use. With its 4-bedroom layout, private pool, dockage, boat lift, outdoor shower, and established rental history, this waterfront home offers a wonderful opportunity to enjoy the best of Key Colony Beach.

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Location

Key Colony, FL, 33051

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 Coldwell Banker Schmitt Real Estate Co. via Florida Keys MLS

Last checked: 10 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: 7ft

Special Flood Hazard Area

View FEMA Flood Map →
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Mortgage Calculator

Estimate your monthly payment for this waterfront property

20%

$434,800 down

%
Principal & Interest$11,280/mo
Property Tax (est. ~1.2%, varies by county)$2,174/mo
Home Insurance (est.)$250/mo
Total Monthly Payment$13,704
Loan Amount: $1,739,200Rate: 6.75%
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Estimated payments only. Actual rates and terms may vary.

$2,174,000Tour 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.