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Offered at $3,350,000Active
beds
4
baths
3
sq ft
3,084
Built
1959

12990 Keystone Terrace

North Miami, FL 33181

About this home

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 last checked: Listing updated:

Listed by Jeffrey L Tricoli PA, Hilda Tricoli · KW Reserve Palm Beach · MLS #B26072103

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Details at a glance

Interior4 property facts
Rooms
9
Heating
Central, Electric
Cooling
Central Air, Ceiling Fan(s)
Flooring
Carpet, Marble, Tile
Building5 property facts
Style
Single Family Residence
Year built
1959
Garage
2
Parking
2
Roof
Slate, Tar/Gravel
Land & utilities5 property facts
Lot size
0.29 acres
Water
Public
Sewer
Public Sewer
Waterfront
Y
Zoning
0900
Financial3 property facts
Annual taxes
$14,894
Assessment year
2025
HOA fee
$0 (billing period not supplied)

Location

Estimated monthly cost

Explore costs at the $3,350,000 asking price. Adjust the assumptions to your situation.

Known monthly costs$18,181 / monthAdjust
Principal & interest
$16,939
Property tax
$1,241
Insurance
Not entered
HOA
$0

Listing annual taxes: $14,894. Initial monthly tax is one twelfth of that amount. Listing HOA fee: $0.

Partial estimate: add insurance to include those costs. Blank amounts are unknown.

The initial 6.5% rate is illustrative, not a current rate or lender quote. Excludes utilities, maintenance, closing costs and mortgage insurance, which may apply with a down payment below 20%. Taxes and insurance can change.

More property insights

Comparable properties 1 supplied

Sold Jul 21, 2026

$3,200,000

1298 Spanish River Road

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About 12990 Keystone Terrace

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Request a tour of 12990 Keystone Terrace and a Bean Group agent will help coordinate an available time with the listing side.

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Yes. We can discuss condition, comparable sales, offer strategy and the questions worth asking before you decide whether to proceed.

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