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12990 Keystone Terrace, North Miami, FL 33181
Active Under ContractBeachesMLS
Active Under ContractMLS® B26072103
$3,350,000

12990 Keystone Terrace, North Miami, FL 33181

Beds
4
Baths
3
Sqft
3,084
Est. payment$20,299/mo
Home type
Single Family Residence
Year built
1959
Lot size
12,632 sqft
Price / sqft
$1,086
HOA
$0/mo
Community
KEYSTONE ISLAND

Property description

Welcome to 12990 Keystone Terrace, an exceptional waterfront residence in North Miami's desirable Keystone Islands, where relaxed South Florida living meets the freedom of direct ocean access with no fixed bridges. Set on an expansive corner lot, this 4-bedroom, 3-bath home offers approximately 3,085 square feet of inviting living space enhanced by soaring vaulted ceilings, generous natural light, and impact windows and doors throughout. A circular driveway and two-car garage create an impressive arrival, while the home's open, comfortable layout provides plenty of room for everyday living and entertaining. At the heart of the home, the beautifully appointed kitchen offers a stylish gathering place with custom countertops, ample cabinetry, and an easy connection to the surrounding dining and living areas. The spacious interiors flow effortlessly toward the outdoors, where the waterfront setting becomes the centerpiece. Step outside to a private tropical retreat featuring a swimming pool, expansive patio areas, lush landscaping, and picturesque canal views—an ideal backdrop for quiet mornings, sunset dinners, or weekends spent entertaining friends. Boating enthusiasts will especially appreciate the private dock and boat slip, wide canal frontage, and ocean access with no fixed bridges, allowing you to enjoy South Florida's waterways right from your backyard. Whether cruising toward Biscayne Bay, relaxing poolside, or simply taking in the peaceful waterfront atmosphere, this home offers an enviable combination of space, privacy, and coastal lifestyle. 12990 Keystone Terrace is a rare opportunity to experience the best of waterfront living while remaining conveniently connected to the dining, shopping, beaches, and attractions of the Miami area.

Listing activity

Days on market
41
Listed
Sep 3, 2026
MLS listing updated
21 hours ago
Feed last checked
6 minutes ago

Listed by Jeffrey L Tricoli PA · KW Reserve Palm Beach

Map

Map location is based on MLS-supplied coordinates. Verify the location before relying on it.

Facts & features

Interior

Bedrooms & bathrooms

Bedrooms
4
Bathrooms
3
Bathrooms (decimal)
3
Full bathrooms
3
Half bathrooms
0
Main-level bedrooms
4
Main-level bathrooms
3

Rooms & features

Rooms
9
Interior features
Bar, Closet Cabinetry, High Ceilings, Kitchen Island, Storage, Vaulted Ceiling(s), Walk-In Closet(s)
Flooring
Carpet, Marble, Tile
Appliances
Freezer, Electric Cooktop, Cooktop, Dishwasher, Disposal, Dryer, Electric Range, Ice Maker, Microwave, Oven, Refrigerator, Washer
Fireplace
No
Furnished
Unfurnished
Window features
Blinds

Heating & cooling

Heating
Central, Electric
Cooling
Ceiling Fan(s), Central Air
Property

Parking

Garage spaces
2
Garage
Yes
Carport
No
Parking spaces
2
Covered spaces
2
Parking features
Boat, Attached, Attached Garage, Circular Driveway, Covered, Driveway, Garage, Garage Door Opener
Attached garage
Yes

Exterior

Stories
1
Building area
3,941 sqft
Patio & porch
Patio - Screened, Patio
Exterior features
Barbecue, Lighting
Fencing
Back Yard
Other structures
Outbuilding
Pool
Yes
Pool features
In Ground, Private, Salt Water, Screen Enclosure
View
Intracoastal, Canal, Pool, Water
Waterfront
No Fixed Bridge, Ocean Access, Canal Front, Intracoastal, Navigable Water, Seawall, Canal Width 1-80 Feet
Waterfront property
Yes

Lot

Lot size
12,632 sqft
Lot size (acres)
0.29 acres
Lot features
Corner Lot
Zoning
0900
Construction

Type & style

Home type
Single Family Residence
Structure type
House
Architectural style
Ranch, Traditional
Year built
1959
New construction
No

Materials

Construction
Block, Concrete, Stucco
Roof
Slate, Tar/Gravel
Property condition
Resale
Levels
One
Faces
East
Utilities & green energy

Utilities

Sewer
Public Sewer
Water
Public
Utilities
Cable Available, Electricity Available, Water Available
Community & HOA

Community

Subdivision
KEYSTONE ISLAND
MLS area
2220
MLS subarea
DADE
Security
Smoke Detector(s)
Pets allowed
No Restrictions, Yes
55+ community
No

Association

Has association
No
Association fee
$0
Estimated monthly dues
$0
Lease details

Not reported by the listing source.

Location

Area details

City
North Miami
County
Miami-Dade
ZIP code
33181
Manufactured home details

Not reported by the listing source.

Financial & listing details

Listing

MLS number
B26072103
Possession
Close Of Escrow, Negotiable
Original list price
$3,350,000
Parcel number
0622280210690
Annual property tax
$14,893.81
Tax year
2025
Tax legal description
27-28 52 42 KEYSTONE ISLAND NO 5 PB 68-2 LOT 24 BLK 16 LOT SIZE 100.000 X 125 OR 15246-868 1091 1
Special listing conditions
Standard
Additional MLS details

Reported by the listing source

Association
No
Bathrooms Total Decimal
3
Bathrooms Total Integer
3
Building Area Total
3941
Construction Materials
Block, Concrete, Stucco
County Or Parish
Miami-Dade
Days On Market
41
Direction Faces
East
Elementary School
David Lawrence Jr. K-8
High School
Alonzo and Tracy Mourning
List Price
3350000
Listing Contract Date
2026-09-03
Living Area
3084
Lot Size Acres
0.29
Lot Size Area
12500
MLSArea Major
2220
MLSArea Minor
DADE
Main Level Bathrooms
3
Main Level Bedrooms
4
Middle Or Junior School
North Miami
Mls Status
Active Under Contract
On Market Date
2026-09-03
Parking Total
2
Patio And Porch Features
Patio - Screened, Patio
Photos Count
45
Postal Code
33181
Property Sub Type
Single Family Residence
Property Type
Residential
Rooms Total
9
Security Features
Smoke Detector(s)
Senior Community
No
Standard Status
Active Under Contract
State Or Province
FL
Status Change Timestamp
2026-10-15T19:27:04Z
Stories Total
1
Subdivision Name
KEYSTONE ISLAND
Water Source
Public
Waterfront Features
No Fixed Bridge, Ocean Access, Canal Front, Intracoastal, Navigable Water, Seawall, Canal Width 1-80 Feet
Tax Annual Amount
14893.81
Bathrooms Full
3
Pool Private
Yes
Bedrooms Total
4
Bathrooms Half
0

Market value

Automated estimate—No licensed valuation source connected
Estimated sales range—Ask Karim for a local market analysis
Estimated rent—No licensed rental valuation source connected

Price history

DateEventPrice
Sep 3, 2026ListedBeachesMLS$3,350,000$1,086/sqft

Public tax history

YearProperty taxesAssessment
2025$14,894—

Payment calculator

Estimated monthly payment$20,299/moIllustrative estimate, not a loan offer.
Principal & interest
$17,382
Property taxes
$1,241
Insurance
$1,675
Association dues
$0

Live national rate context is displayed below through Mortgage News Daily’s official widget. The calculator rate remains a separate assumption until licensed machine-readable access is connected. This is not a loan offer.

Neighborhood

Area

KEYSTONE ISLAND

North Miami · Miami-Dade County · 33181

Climate risk

—

No licensed climate-risk source is connected.

Nearby schools

David Lawrence Jr. K-8Elementary
—
North MiamiMiddle
—
Alonzo and Tracy MourningHigh
—
School names and districts are MLS-reported when available. Verify attendance boundaries with the school district. Ratings require a licensed ratings provider.

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BeachesMLS

BeachesMLS · Listing courtesy of KW Reserve Palm Beach. All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright ©2026 BeachesMLS, Inc. IDX information is provided exclusively for consumers’ personal, non-commercial use and may be used only to identify prospective properties they may be interested in purchasing or leasing. Terms of use · Equal Housing Opportunity.