This 3-bedroom, 2-bath home provides rare-to-find tranquility and privacy in a pristine natural setting. The two-story cottage embodies Old Florida-style with lovingly maintained stone accents and an expansive covered porch overlooking open water. Inside, modern amenities enhance the home's charm. The updated kitchen opens to the living room, with both rooms featuring a wall of windows to take in the views. Two bedrooms and one bath complete the downstairs space. Retreat upstairs to find a completely remodeled primary suite overlooking the Gulf. A large second building provides storage and opportunity for expansion. Situated on 1.2 acres with only a single adjacent neighbor, this home offers a private sanctuary tucked away from the world.
For sale
$1,650,000
3167 Stewart Rd, Middle Torch Key, FL 33042
3beds
1,222sqft
Est.:
Single Family Residence
Built in 1971
1.2 Acres Lot
$1,510,800 Zestimate®
$1,350/sqft
$-- HOA
What's special
Lovingly maintained stone accentsTwo-story cottageUpdated kitchen
- 49 days |
- 826 |
- 32 |
Zillow last checked: 8 hours ago
Listing updated: December 04, 2025 at 12:30am
Listed by:
Sarah Eckert 772-501-6576,
Coldwell Banker Schmitt Real Estate Co. (KW)
Source: FLKMLS,MLS#: 617572
Originating MLS: Key West Association
Tour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Cooling
- Wall/Window Unit(s), Ceiling Fans(s)
Appliances
- Included: Washer, Microwave, Oven, Range, Refrigerator, Dryer
Features
- Flooring: Tile, Laminate
- Windows: Impact Rstnce Window
Interior area
- Total interior livable area: 1,222 sqft
Property
Parking
- Parking features: Open, Trailer Storage, Off Street
- Has uncovered spaces: Yes
Accessibility
- Accessibility features: Grip-Accessible Features
Features
- Levels: Ground Level
- Patio & porch: Open Porch/Balcony, Deck
- Exterior features: Storage
- Has view: Yes
- View description: Ocean, Water, Bay/Gulf View
- Has water view: Yes
- Water view: Ocean,Water,Bay/Gulf View
- Waterfront features: Oceanfront, Open Water, Gulf Front, Bay Front, Waterfront, Dock: Wood
Lot
- Size: 1.2 Acres
- Features: 1 Less Than 2 Acres
Details
- Additional structures: Gazebo
- Additional parcels included: 00224880000000
- Parcel number: 00224890000000
- Zoning: IS
- Zoning description: Improved Subivision District
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Single Family Residence
Materials
- CBS
- Roof: Metal
Condition
- Year built: 1971
Utilities & green energy
- Sewer: Aerobic Septic
Green energy
- Water conservation: Cistern
Community & HOA
Community
- Subdivision: Middle Torch Key Est (28.0)
HOA
- Has HOA: No
- Services included: None
Location
- Region: Middle Torch Key
Financial & listing details
- Price per square foot: $1,350/sqft
- Tax assessed value: $655,632
- Annual tax amount: $6,370
- Date on market: 12/4/2025
Estimated market value
$1,510,800
$1.44M - $1.59M
$5,182/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 12/4/2025 | Listed for sale | $1,650,000+666.4%$1,350/sqft |
Source: | ||
| 12/18/2020 | Sold | $215,300-62.8%$176/sqft |
Source: Public Record Report a problem | ||
| 1/18/2017 | Sold | $579,000-3.3%$474/sqft |
Source: | ||
| 11/22/2016 | Listed for sale | $599,000-13.8%$490/sqft |
Source: Coldwell Banker Schmitt RE Co. Lower Keys Office #572876 Report a problem | ||
| 3/26/2015 | Listing removed | $695,000$569/sqft |
Source: Owner Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $6,580 +3.3% | $655,632 +0.7% |
| 2024 | $6,371 +2.3% | $650,850 +1.3% |
| 2023 | $6,230 +5% | $642,410 +9.2% |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$10,043/mo
Principal & interest
$8338
Property taxes
$1127
Home insurance
$578
Climate risks
Neighborhood: 33042
Nearby schools
GreatSchools rating
- 5/10Sugarloaf SchoolGrades: PK-8Distance: 7.7 mi
- 4/10Key West High SchoolGrades: 9-12Distance: 24.9 mi





