181 12th St, Key Colony FL 33051, KEY COLONY, FL, 33051
Active55 days on marketListed Jun 14, 2026MLS #A12037164
About this home
181 12th St, Key Colony FL 33051
Welcome to modern coastal living in Key Colony Beach, one of the true gems of the Florida Keys. This fully remodeled pool home blends a clean, contemporary style with an easy, open layout that feels tailor-made for the Keys lifestyle. Sitting on a rare 16,725 sq ft lot—about twice the typical size—and on the highly desired west side of the island, there’s ample room for multiple vehicles, trailers, and even an RV. The solid CBS stilt home is surrounded by lush landscaping and fruit trees for a private, tropical setting. Inside, cathedral ceilings make the 3 bed, 2 bath, 1,775 sq ft floor plan feel even more spacious. Nesting sliders open to a large screened porch, new outdoor kitchen, and multiple seating areas around the pool, creating a seamless indoor-outdoor flow that’s ideal for entertaining. Set on an enchanting corner lot just minutes from open water, you’ll enjoy cooling ocean breezes and a short stroll to Sunset Beach Park for nightly sunsets. Boaters will love the 50' concrete dock with 50-amp power and water, with quick access to both the ocean and Bay via Vaca Cut—putting the Vaca sandbar, fishing, diving, and snorkeling all a short boat ride away. With an adjustable-temperature pool for year-round use and 7-day rentals allowed, this property works beautifully as a personal retreat, income-producing vacation rental, or a combination of both. It’s a turnkey Keys home in one of Key Colony Beach’s most coveted locations.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,775
Sqft
1997
Year built
$1,295
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$14,714 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$14,714/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Coury
Get to know Key Colony. See the full Key Colony guide →
Coury — neighborhood snapshot
Population
141
Median age
75
Median income
$116,875
Median home value
$1,136,900
Avg household
2
Households w/ children
2%
For the school run
Monroe County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Key Colony market
$497K → $497K
Key Colony median sold, yr/yr
This home is listed 163% above the KEY COLONY 33051 median. See the full Key Colony market guide →
Paper trail
This home's history
Reality check
What actually sold near 181 12th St
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$1,375,000
95 Coco Plum Dr # 1A, Marathon FL 33050
2 bd · 2.5 ba · 1,838 sqft · $748/sqft · 293 DOM
Sold · Apr ’26$2,237,500
520 12th St, Key Colony FL 33051
2 bd · 2 ba · 1,584 sqft · $1,413/sqft · 78 DOM
Sold · May ’26$670,000
12400 OVERSEAS HIGHWAY UNIT 3
3 bd · 3 ba · 1,493 sqft · $449/sqft · 0 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 181 12th St — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 181 12th St — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
181 12th St FAQs
What would the monthly payment be for 181 12th St, Key Colony FL 33051?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $14,714/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 181 12th St, Key Colony FL 33051?+
The most recent tax bill on record (2025) was $15,439. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Key Colony?+
At $2,299,000, this home is listed about 155% above the Key Colony median of $899,995. The market section on this page shows how the area is trending.
Which schools are assigned to 181 12th St, Key Colony FL 33051?+
Marathon School (high), Stanley Switlik Elementary School (elementary) — Monroe County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$2,299,000 runs 163% above the KEY COLONY 33051 median — but at 1,775 sqft it's also nearly twice the size of the typical Key Colony listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $2,399,000, now $2,299,000 — a $100K cut. The full history is in the market section below.
Listing courtesy of LoKation · Ewa Schwarz. MLS #A12037164.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Miami Association of REALTORS®.
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