12 Bay Drive, Saddlebunch, FL 33040

$942,000

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Grandfathered in-- gated to protect small dogs but completely privately owned

Above ground swim spa pool -- Refreshing after day on the boat

Room for RV or large boat trailer parking

50 ft wide canal and 3+ foot control depth

imagine a full bathroom added to this space

Property Type: Residential Bedrooms: 3 Baths: 1 Square Footage: 1,400 Lot Size (sq. ft.): 9,150 Status: Active

Current Price: $942,000 List Date: 8/31/2026 Last Modified: 10/26/2026

Overview

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 wi ... (Read more)

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: 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.
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

Room Information

Room Name	Length	Width
Bedroom 2	12.31	9.31
Dining Room	15.11	12.53
Kitchen	12.91	10.58
Living Room	22.07	25.24
Bedroom 1	11.85	13.45

Documents

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Listing Office: Island Welcome Real Estate LLC

Last Updated: October - 26 - 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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