3127 Stewart Road, Middle Torch Key, FL 33042

$1,800,000

80-foot Ipe Brazilian hard-wood dock with boat lift. Great boating!

Virtual Tour

https://www.propertypanorama.com/instaview/mia/A11489066

Gorgeous views from this 1.65 acre property!

1.65 Acres of beautifully preserved, environmentally sensitive land - wildlife sanctuary!

Stainless, quartz, glass top stove, washer/dryer.

Eat-in kitchen, bar style kitchen island and dining room area.

Bar style kitchen island, dining room area and eat in kitchen table area

Sitting room, open concept with amazing views!

Family Room and Living Room with spectacular views of nature!

Open concept! Front of house has water and nature views from every window!

Full En-suite, roll-in shower, wheelchair accessible double vanity

Full closet, handicap accessible sink and shower

Can be used as either, has full closet and entrance door to hallway.

Can be used as either, has full closet and separate entrance door to hallway.

Beautifully designed guest bathroom with custom shower and fixtures.

Full Size elevator opens to porch off kitchen

Full size downstairs storage, 2-car garage and elevator

Full-size downstairs storage and 2-car garage

Large, secluded Open Water lot on a private street.

Only 4 houses on the street, very private!

Great boating and a large basin off the dock for swimming, snorkeling, etc..., 80 foot Ipe dock with boat lift.

Trees just trimmed for more open water views!

Extra space on the side of the house for swim spa or storage. Concrete columns repaired Aug 2024 throughout the property.

80-foot Ipe dock with boat life, water and electric

Hidden path at the end of the street that takes you out to a peninsula

Property Type: Residential Bedrooms: 3 Baths: 2 Square Footage: 1,841 Lot Size (sq. ft.): 71,765 Status: Active

Current Price: $1,800,000 List Date: 7/03/2026 Last Modified: 7/03/2026

Overview

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 ... (Read more)

Listing Details MLS# 607483

Location, Tax & Legal

Street #: 3127
Street Name: Stewart
Street Suffix: Road
Key/Island: Middle Torch Key
State/Province: FL
Zip Code: 33042
County: Monroe
Subdivision: Middle Torch Key Est (28.0)
Area: 10 - Little, Middle, Big Torch Keys
City: Middle Torch
Mile Marker: 28
Marathon Neighborhood: N/A
Side: Bay/Gulf
Flood Zone: AE,AE,VE
Alternate Key #: 1292125
Handicap Access: Yes
Parcel #: 00224920-000000
Zoning: IS - Improved Subivision District
Deed Restrictions: Unknown
Legal: LTS 119, 120 & 121 AMENDED PLAT OF MIDDLE TORCH KEY ESTATES PB5-6 MIDDLE TORCH KEY OR512-527/528 OR797-450 OR954-101 OR
Taxes: 10025.07
Tax Year: 2023
Pub Sewer HkUp: Yes

Contract Information

Listing Board: Marathon/Lower Keys
As is Rght to Inspct: Yes
Species List: Yes

General Property Description

Realtor.COM Type: Residential - Single Family
Style: Single Family
Waterfront: Yes
Control Depth: 3
Pool: No
Year Built: 1987
Lot SqFt: 71765
Lot Sqft Source: Property Data Card
Acres: 1.65
Living Apx SqFt: 1841
SqFt Source: Seller
Total Bedrooms: 3
Full Baths: 2
Total Baths: 2
Rentals Allowed: With Restrictions
Min Rental Days: 28
Total Units: 0

Status Change Info

Contingent: None

Association Info

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

Dockage

Dock Length: 80
Dock: Other
Boat Lift: Yes

More Information

Building Style

Above Flood: Yes

Vehicle Storage

Car(s): 4+
Covered Parking: Yes
Garage: Yes
Attached: Yes
Auto Door Opener: Yes
Off Street Parking: Yes

Remarks & Misc

Remarks – Consumer: 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!
Directions: Turn Bayside/Gulfside on Middle Torch Rd. Follow all the way to the end (don't turn on Dorn Rd) turn left on to Stewart Rd. House is on the right, sign on property. DO NOT WALK PROPERTY W/O AGENT.

Fee Includes

None: Yes

Tax Exemptions

None: Yes

Appliances

Dishwasher: Yes
Dryer: Yes
Oven: Yes
Range: Yes
Refrigerator: Yes
Stainless Steel Appliance(s): Yes
Washer: Yes

Pets

Pets Allowed: Yes

Cooling

Ceiling Fans(s): Yes
Central Air: Yes

Waterfront

Bay Front: Yes
Gulf Front: Yes
Open Water: Yes

Waterview

Bay/Gulf View: Yes
Open Water View: Yes

Floor

Vinyl: Yes

Interior Features

Built-in Cabinets: Yes
Elevator: Yes
Fireplace(s): Yes
Pantry: Yes
Quartz Countertops: Yes
Smoke Alarms: Yes
Storage: Yes

Property Condition

Updated/Remodeled: Yes

Windows/Doors

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

Construction

Frame: Yes

Land Size

1 Less Than 2 Acres: Yes

Furnished

Unfurnished: Yes

Utilities

Buyer to Verify: Yes
Cistern: Yes
Municipal Sewer: Yes

Porch/Balcony

Open Porch/Balcony: Yes

Exterior Features

Storage: Yes

Roof

Metal Roof: Yes

Accessibility Feat

Accessible Elevator Installed: Yes
Accessible Full Bath: Yes

Property Features

Fee Includes: None Tax Exemptions: None Waterfront: Bay Front; Gulf Front; Open Water Waterview: Bay/Gulf View; Open Water View Dockage: Boat Lift Property Condition: Updated/Remodeled Vehicle Storage: Garage; Attached; Auto Door Opener; Covered Parking; Off Street Parking Furnished: Unfurnished Cooling: Ceiling Fans(s); Central Air Utilities: Buyer to Verify; Cistern; Municipal Sewer Interior Features: Built-in Cabinets; Elevator; Fireplace(s); Pantry; Quartz Countertops; Smoke Alarms; Storage Appliances: Dishwasher; Dryer; Oven; Range; Refrigerator; Stainless Steel Appliance(s); Washer Exterior Features: Storage Accessibility Feat: Accessible Elevator Installed; Accessible Full Bath Construction: Frame Floor: Vinyl Roof: Metal Roof Pets: Pets Allowed Land Size: 1 Less Than 2 Acres

Listing Office: Expert Realty LLC

Last Updated: July - 03 - 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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