# 12 Bay Drive, Saddlebunch, FL 33040

> **TL;DR:** 3bd/1ba single family, $942,000 ($673/sqft), built 1958, 1,400 sqft.
> Pool, Waterfront, View, A/C. Est. $5,038/mo. Listed 61 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $942,000 |
| Price/sqft | $673 |
| Bedrooms | 3 |
| Bathrooms | 1 full |
| Square Feet | 1,400 |
| Year Built | 1958 |
| Lot Size | 9,148 sqft (0.21 acres) |
| Stories | 1 |
| Property Type | Single Family (Single Family Residence) |
| Status | Active |
| Days on Market | 61 |

## Why This Home Stands Out

- **Pool** - Patio
- **Waterfront** - Waterfront location listed
- **Views** - Water

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $4,763 |
| Estimated Insurance | $275 |
| **Total** | **$5,038** |

## Key Amenities

- Pool
- Waterfront
- View
- A/C
- RV Parking

## Property Highlights

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

## Description

### Agent 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 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.

## Location

- **Address:** 12 Bay Drive, Saddlebunch, FL 33040
- **County:** Monroe
- **Neighborhood:** Bay Point Amd & 1st (15.0)
- **Coordinates:** 24.625281, -81.591945
- **Google Maps:** https://www.google.com/maps?q=24.625281,-81.591945

## Virtual Tour & Media

- **Video Tour:** https://my.matterport.com/show/?m=rG9kTDptdqx

## Listing Agent

- **Name:** Natallie M Liz
- **Brokerage:** Island Welcome Real Estate LLC
- **Broker Phone:** 3059239161
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/12-Bay-Dr_Key-West_FL_33040_M60524-33419?f=listhub&s=KWARFL&m=621164&c=propsimple)

## Photos

![12 Bay Drive - Photo 1](http://lh.rdcpix.com/0edfb49994d4f581f508d418b50ed0eel-f2575795978r.jpg)

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---

**MLS#:** 621164 | **Updated:** 2026-10-26
**Source:** listhub

*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.*

[View on PropertySimple](https://www.propertysimple.ai/listing/12-bay-drive-saddlebunch-fl-33040-6ea2505159ce4812873d5f6a3762531b)

---

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