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12 Mccoy Cir #12, Key West, FL 33040

$1,150,000

2
beds
2 full · 1 half
baths
1,237
sqft
2001
year built

Experience the best of Key West waterfront living in this beautifully appointed 2-bedroom, 2.5-bath townhome at Flagler's Landing, ideally located just over the Palm Avenue Bridge and a short bike ride from historic downtown Key West. This elevated concrete block townhome features impact-resistant windows and doors, a durable metal roof, and an open-concept living area with soaring vaulted ceilings. Enjoy beautiful views of the lush mangrove backdrop from the living room, along with partial ocean views. The updated kitchen offers granite countertops, stainless steel appliances, and custom cabinetry. Elegant travertine flooring downstairs and rich cherry hardwood floors upstairs complement the home's coastal charm. Both bedrooms feature private ensuite bathrooms. A true highlight of this property is its two deeded boat slips! One features a floating dock with room for two large WaveRunners, while the other is ideal for a center console boat and previously housed a 27-foot outboard vessel. Additional features include private covered parking beneath the residence, a spacious waterfront balcony, and a private patio. Flagler's Landing residents also enjoy a community swimming pool, waterfront fire pit, and direct swimming access. Currently operated as a vacation rental and offered fully furnished, this townhome presents an excellent opportunity for buyers seeking a waterfront retreat or an income-producing property. With exceptional boating amenities, peaceful natural surroundings, and convenient access to Old Town, this property captures the essence of the Florida Keys lifestyle.

Highlights

  • Residential
  • Townhouse
  • Built in 2001
  • $1,200/ HOA
  • Waterfront
  • 1 day on Market

  • Bedrooms
    2
  • Bathrooms
    2 full · 1 half
  • Year Built
    2001
  • Architectural Style
    Townhouse
  • Construction Materials
    Stucco, Concrete
  • Parking Features
    Covered, Carport, Off Street
  • Interior Features
    Cathedral Ceiling(s), Walk-In Closet(s), Storage, Granite Counters, Built-in Features
  • Appliances
    Dryer, Dishwasher, Microwave, Refrigerator, Washer, Range, Disposal, Oven, Freezer, Stainless Steel Appliance(s)
  • Flooring
    Tile, Marble
  • Furnished
    Furnished
  • Exterior Features
    Storage
  • Patio And Porch
    Patio, Deck, Porch
  • Pool Features
    In Ground
  • Cooling
    Ceiling Fan(s), Central Air
  • Heating
    Central

  • Water Front Features
    Ocean Front
  • Water Front
    Yes
  • View
    Ocean, Bay
  • Utilities
    Cable Available

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Frequently Asked Questions

How do I schedule a tour of 12 Mccoy Cir #12?

We can make that happen quickly. Click Tour This Home and we'll connect you directly with our vetted local partner to schedule your visit to 12 Mccoy Cir #12.

They know residentials in the area well and can give you the guidance you need to buy with confidence.

How do I get more information about 12 Mccoy Cir #12?

Click Ask a Question to talk with our team. You already know it is a 2 bed, 2 bath, listed for $1,150,000. We can talk through recent upgrades, potential seller motivation, how this townhouse compares to others in Key West, and can even get you in to see the property quickly.

How much is the monthly mortgage payment for 12 Mccoy Cir #12?

With a 20% down payment and a 30-year fixed loan at an illustrative 7.25% rate, the ez Mortgage Calculator estimates the monthly payment for 12 Mccoy Cir #12 at around $7,015. This includes estimated property taxes and insurance.

Want to see how this changes with different down payments or interest rates? Jump to the calculator to run the numbers and fine-tune your plan.

How do I get pre-approved to buy 12 Mccoy Cir #12?

Stand out in a competitive market by getting pre-approved today. Our quick and private pre-approval process helps you understand your true buying power—no credit pull required to explore all of your options.

Or, let us connect you with our preferred local lender in Monroe County. They will give you all of your available financing options, based on your specific situation and what is available to you.

Can I negotiate the asking price for 12 Mccoy Cir #12?

In most cases, yes. Whether 12 Mccoy Cir #12 is priced competitively or not, your best offer depends on your personal situation, the seller's timeline, and recent activity in Key West's market. Our preferred local partner will help you craft a strategy—factoring in comparable properties that have sold, timing, and deal structure—to make a smart, strong offer. Click here to ask about negotiation opportunities.

How do I make an offer on 12 Mccoy Cir #12?

We can handle that for you. Our preferred local agent specializes in residentials in Key West and can guide you through every step of the offer process.

You need an expert who is looking out for your best interests. From market valuation to contingencies and timing, they'll help you present a compelling offer that fits your goals. Click Ask a Question to get started today.

What is the price per square foot for this home?

This home is listed at $1,150,000 with 1,237 sqft of space—that comes out to approximately $930 per square foot.

How long has this property been on the market?

12 Mccoy Cir #12 was listed on November 14, 2026, which means it's been on the market for 1 days.

Want to keep tabs on it? Click the ♥ to favorite this home and get notified of price drops or changes.

When was this house built?

This home was built in 2001, making it approximately 25 years old.

What are the property taxes for 12 Mccoy Cir #12?

The most recent public record shows annual property taxes for 12 Mccoy Cir #12 were approximately $5,652. This may change with reassessment or exemptions. Our local partner can verify current tax amounts and help you estimate future costs based on your situation.

Is there an HOA fee for this property, and what does it cover?

This home has an HOA fee of $1,200.

Is 12 Mccoy Cir #12 still available for sale?

Yes, this home is still available! Click the ♥ to favorite it so you don't miss any changes—or ask our local expert to schedule a time to see it in person.

Source: ez Home Search, MLS Data

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IDX information is provided exclusively for consumers’ personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that the data is deemed reliable but is not guaranteed accurate by the MLS. Copyright 2026 Florida Keys Board of REALTORS®, Inc.