About This Home

This 3-bedroom, 1-bathroom single family at 12 Bay Drive in Saddlebunch, FL is listed for $942,000 ($673 per sqft). Built in 1958, the home offers 1,400 sqft of living space on a 0.21 acres lot.

Key Features

  • Built in 1958
  • 0.21 acre lot
  • Private pool
  • Waterfront

Property Details

1 story
1 full
1958

Amenities

PoolWaterfrontViewA/CRV Parking
Listing 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 bedro

oms 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.

Monthly Cost Estimate

$5,038/mo

20% down · 6.5% · 30 years

Principal$681
Interest$4,082
Insurance$275

Estimates only. Actual payments may vary.

Location

12 Bay Drive

Saddlebunch, FL 33040

Bay Point Amd & 1st (15.0)

Features & Amenities

Interior Features

Split BedroomPantrySecurity SystemStorageWalk-in Closet(s)Whirlpool Bath TubSun/Florida Room

Exterior Features

FencingFruit Tree(s)LightingOutdoor ShowerSandy BeachShedStorageWater Display

Property Details

Flooring

CarpetVinylTile

Construction

CBS Concrete Stucco

Views

Water

Pool Features

Pool

Outdoor Features

Patio

Parking

RV

Cooling

Ductless

Appliances

WasherDryerDishwasherRefrigeratorOvenMicrowaveIce MachineStainless Steel Appliance(s)

Questions & Answers

This 3-bedroom, 1-bathroom single family at 12 Bay Drive is listed at $942,000 ($673/sqft). The estimated monthly payment is $5,038 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance.

Key features include: Built in 1958, 0.21 acre lot, Private pool, Waterfront. Interior Features: Split Bedroom, Pantry, Security System. Exterior Features: Fencing, Fruit Tree(s), Lighting.

This property is listed by Natallie M Liz.

NL

Natallie M Liz

Agent at Island Welcome Real Estate LLC

Listed by Island Welcome Real Estate LLC · Broker phone: 3059239161 · View on Broker Site

MLS# 621164· Source: Key West Association of Realtors· 59 days on PropertySimple

Copyright © 2026 Key West Association of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

12 Bay Drive, Saddlebunch, FL 33040

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