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  • 12 Bay Drive, Saddlebunch, FL 33040 (MLS# 621164)

12 Bay Drive, Saddlebunch, FL 33040

$972,000
Property Type: Residential Bedrooms: 3 Baths: 1 Square Footage: 1,400 Lot Size (sq. ft.): 9,150 Status: Active
Current Price: $972,000 List Date: 8/31/2026 Last Modified: 9/10/2026

Overview

Description

Tucked along a wide, deep canal, this concrete 3 bedroom, 1 bath home offers a thoughtfully designed split floor plan that creates privacy and flexibility rarely found in a home of this size. The primary suite occupies its own side of the home, while the guest quarters are positioned on the opposite side--ideal for visiting family and friends, a home office, or simply having separate spaces to retreat and unwind. At the heart of the home, the living and kitchen areas bring everyone together with classic Conch island style and thoughtful updates, including new kitchen appliances, a remodeled bathroom, and efficient ductless mini-splits. Outside, the property feels like a private tropical retreat. Two mango trees, key lime, lemon, and starfruit trees mingle with palms and tropical flowers, creating a lush backdrop for slow mornings and easy entertaining. Relax on the sandy beach with lounge chairs, unwind in the jetted swim spa, rinse off in the outdoor shower with full bath, or en ...

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  • Saturday, September 12, 11:00 am - 2:00 pm
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Listing Details MLS# 621164

Location, Tax & Legal

Street #
12
Street Name
Bay
Street Suffix
Drive
Key/Island
Saddlebunch
State/Province
FL
Zip Code
33040
County
Monroe
Subdivision
Bay Point Amd & 1st (15.0)
Area
06 - Bay Point to Sugarloaf
City
Saddle Bunch
Mile Marker
15
Marathon Neighborhood
N/A
Side
Ocean
Flood Zone
AE8
Alternate Key #
1205923
Parcel #
00160350000000
Zoning
IS - Improved Subivision District
Deed Restrictions
No
Legal
Bk 5 Lt 6 Bay Point Amended Plat Pb3-75 Saddlebunch Keys Or58-499 Or576-508 Or774-37 Or846-186 Or918-41 Or993-404 Or1577
Taxes
0
Tax Year
2025
Pub Sewer HkUp
Yes

Contract Information

Listing Board
Key West Association

General Property Description

Realtor.COM Type
Residential - Single Family
Style
Single Family
Waterfront
Yes
Control Depth
3
Pool
Yes
Year Built
1958
Lot SqFt
9150
Acres
0.21
Living Apx SqFt
1400
SqFt Source
Appraisal
Total Bedrooms
3
Full Baths
Yes
Total Baths
Yes
Rentals Allowed
Yes

Association Info

Mandatory Home Owners Asc
No
1st Right of Refusal
No
Association Fee $
0

Dockage

Dock Length
75
Dock
Concrete
Boat Ramp
Yes

More Information

Building Style

Above Flood
Yes
Ground Level
Yes

Pool Info

Other
Swim spa
Above Ground
Yes

Remarks & Misc

Remarks – Consumer
Tucked along a wide, deep canal, this concrete 3 bedroom, 1 bath home offers a thoughtfully designed split floor plan that creates privacy and flexibility rarely found in a home of this size. The primary suite occupies its own side of the home, while the guest quarters are positioned on the opposite side--ideal for visiting family and friends, a home office, or simply having separate spaces to retreat and unwind. At the heart of the home, the living and kitchen areas bring everyone together with classic Conch island style and thoughtful updates, including new kitchen appliances, a remodeled bathroom, and efficient ductless mini-splits. Outside, the property feels like a private tropical retreat. Two mango trees, key lime, lemon, and starfruit trees mingle with palms and tropical flowers, creating a lush backdrop for slow mornings and easy entertaining. Relax on the sandy beach with lounge chairs, unwind in the jetted swim spa, rinse off in the outdoor shower with full bath, or enjoy the screened porch after a day on the water. For boaters, the waterfront setup is exceptional. The 50-foot-wide canal offers 3+ feet of control depth, complemented by a 75-foot concrete seawall, fish-cleaning station, and rare grandfathered private boat ramp--a feature increasingly difficult to find in the Keys. There's also abundant parking for large boat trailers, multiple vehicles, or a guest RV, plus a 30-amp RV hookup and wired for a whole house generator. Practical improvements include a newer roof, new 100-amp electrical service panel and mast, and mostly impact windows with shutters for the remainder, rounded out by a 14 foot sliding chainlink. Whether you're looking for a full-time island home or weekend escape, this property brings together privacy, boating access, generous parking, outdoor living, and tropical character in this truly special slice of the Florida Keys. Local favorite Baby's Coffee, a neighborhood park, and tennis/pickleball courts are just steps
Directions
MM15 turn at Baby's coffee, and go straight at the fork in the road. House is on the right.

Fee Includes

None
Yes

Tax Exemptions

Disability
Yes
Homestead
Yes
Widow/Widower
Yes

Appliances

Dishwasher
Yes
Dryer
Yes
Ice Machine
Yes
Microwave
Yes
Oven
Yes
Refrigerator
Yes
Stainless Steel Appliance(s)
Yes
Washer
Yes

Pets

Pets Allowed
Yes

Cooling

Ductless
Yes

Waterfront

Canal Front
Yes

Waterview

Canal View
Yes
Open Water View
Yes

Floor

Carpet
Yes
Tile
Yes
Vinyl
Yes

Neighborhood Feature

Bike Paths
Yes
Community Boat Ramp
Yes
Tennis Courts
Yes

Interior Features

Pantry
Yes
Security System
Yes
Split Bedroom
Yes
Storage
Yes
Walk-in Closet(s)
Yes
Whirlpool Bath Tub
Yes

Property Condition

Updated/Remodeled
Yes

Specialty Rooms

Laundry Room
Yes
Sun/Florida Room
Yes

Windows/Doors

French Doors
Yes
Impact Rstnce Doors
Yes
Impact Rstnce Window
Yes
Other Windows/Doors
Yes

Vehicle Storage

RV Parking Open
Yes
Off Street Parking
Yes
Trailer Storage
Yes

Construction

CBS
Yes
Concrete
Yes
Stucco
Yes

Land Size

Less Than 1/4 Acre
Yes

Furnished

Furnished
Yes
Negotiable
Yes

Terms

Assumable
Yes
Cash
Yes
Conventional
Yes
FHA
Yes
VA
Yes

Utilities

Community Swr Plant
Yes
FKAA
Yes

Porch/Balcony

Screened Patio
Yes

Title

Negotiable
Yes

Exterior Features

Fencing
Yes
Fruit Tree(s)
Yes
Lighting
Yes
Outdoor Shower
Yes
Sandy Beach
Yes
Shed
Yes
Storage
Yes
Water Display
Yes

Roof

Other Roof
Yes

Shutters

Panel
Yes

GF-Interior Features

Tankless Hot Wtr Htr
Yes

Property Features

Fee Includes: None Tax Exemptions: Disability; Homestead; Widow/Widower Waterfront: Canal Front Waterview: Canal View; Open Water View Dockage: Boat Ramp Property Condition: Updated/Remodeled Building Style: Ground Level Vehicle Storage: Off Street Parking; RV Parking Open; Trailer Storage Furnished: Furnished; Negotiable Cooling: Ductless Utilities: Community Swr Plant; FKAA Interior Features: Pantry; Security System; Split Bedroom; Storage; Walk-in Closet(s); Whirlpool Bath Tub Specialty Rooms: Laundry Room; Sun/Florida Room Appliances: Dishwasher; Dryer; Ice Machine; Microwave; Oven; Refrigerator; Stainless Steel Appliance(s); Washer Exterior Features: Fencing; Fruit Tree(s); Lighting; Outdoor Shower; Sandy Beach; Shed; Storage; Water Display Pool Info: Above Ground Construction: CBS; Concrete; Stucco Shutters: Panel Floor: Carpet; Tile; Vinyl Roof: Other Roof Pets: Pets Allowed Neighborhood Feature: Bike Paths; Community Boat Ramp; Tennis Courts Land Size: Less Than 1/4 Acre Terms: Assumable; Assumable; Cash; Conventional; FHA; VA Title: Negotiable GF-Interior Features: Tankless Hot Wtr Htr
Listing Office: Island Welcome Real Estate LLC
Last Updated: September - 10 - 2026
The data relating to real estate for sale on this web site comes in part from the Florida Keys MLS, Inc. Information provided is deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. The information being provided is for consumers’ personal, non-commeral use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. IDX data is deemed reliable but is not guaranteed accurate by the MLS.

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