$3,350,000
12990 Keystone Terrace
North Miami, FL 33181
Explore the area: North Miami homes for sale · Miami Dade County real estate
Price Check
How this price compares
- Asking price
- $3,350,000
- Price per sq ft
- $1,086
- Vs. nearby sales
- 6.2% below
- Days on market
- 41
This 4-bedroom single-family home in Keystone Island went under contract with an asking price of $3,350,000, or $1,086 per square foot. It spent 41 days on the market before going under contract. The 6 most recent single-family home sales in the closings shown below sold at a median of $1,158 per square foot, so the asking price was 6.2% below what comparable homes here actually sold for.
Estimated monthly payment
$17,606 /mo
Principal and interest only, based on $670,000 down (20%), a 6.875% 30-year fixed rate. Property taxes, homeowners insurance are not included.
Customize this estimateListing Snapshot
- Price
- $3,350,000
- Days on Site
- 41 Days
- Bedrooms
- 4
- Total Baths
- 3
- Full Baths
- 3
- Partial Baths
- 0
- Living Area
- 3,084 sqft
- Total Sq Ft
- 3,941 sqft
- Lot Size
- 0.29 Acres
- Year Built
- 1959
- Property Type
- Single Family
- MLS #
- B26072103
- Property Tax
- $14,894 (2025)
- Subdivision
- KEYSTONE ISLAND
- Development
- KEYSTONE ISLAND
- County
- Miami Dade
- Status
- Under Contract
- Special Conditions
- Standard / Listed As Is
About This Property
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.
MLS media linkGeneral Features
- Property Type
- Single Family
- Status
- Under Contract
- Year Built
- 1959
- Property Condition
- Resale
- Number of Stories
- 1
- Levels
- One
- Garage Spaces
- 2
- Attached Garage
- Yes
- Parking
- Attached / Boat / Circular Driveway / Covered / Driveway / Garage / Garage Door Opener
- Direction Faces
- East
- Lot Size (Acres)
- 0.29
- Living Sq Ft
- 3,084
- Total Sq Ft
- 3,941
- Structure Type
- House
- Sewer
- Public Sewer
- Water Source
- Public
- Zoning
- 0900
Interior Features
- Appliances
- Cooktop / Dryer / Dishwasher / Electric Cooktop / Electric Range / Freezer / Disposal / Ice Maker / Microwave / Oven / Refrigerator / Washer
- Cooling
- Central Air / Ceiling Fans
- Heating
- Central / Electric
- Flooring
- Carpet / Marble / Tile
- Interior Features
- Breakfast Bar / Bedroom On Main Level / Closet Cabinetry / Dining Area / Separate Formal Dining Room / Dual Sinks / High Ceilings / Kitchen Island / Storage / Tub Shower / Vaulted Ceilings / Bar / Walk In Closets
- Windows
- Blinds
- Main Level Bedrooms
- 4
- Main Level Baths
- 3
- Total Rooms
- 9
- Furnished
- Unfurnished
Exterior Features
- Construction
- Block / Concrete / Stucco
- Roof
- Slate / Tar Gravel
- Exterior Features
- Barbecue / Lighting / Outdoor Living Area
- Architectural Style
- Ranch / Traditional
- Private Pool
- Yes
- Pool Features
- In Ground / Private / Screen Enclosure / Salt Water
- Patio & Porch
- Patio / Screened
- Lot Features
- Corner Lot / Quarter To Half Acre Lot
- Waterfront
- Yes
- Waterfront Features
- Canal Access / Canal Front / Intracoastal Access / Navigable Water / No Fixed Bridges / Ocean Access / Seawall
- Frontage
- Waterfront
- Frontage Length
- 100.00 ft
- View
- Canal / Intercoastal / Pool / Water
Community & HOA
- Security
- Smoke Detectors
- Utilities
- Cable Available / Electricity Available / Water Available
- Pets Allowed
- No Pet Restrictions / Yes
- Financing Terms
- Cash / Conventional / FHA / Va Loan
- Restrictions
- No Restrictions / Ok To Lease
- MLS Area
- 2220
Schools
- Elementary School
- David Lawrence Jr. K-8
- Middle School
- North Miami
- High School
- Alonzo and Tracy Mourning
About the Community
Keystone Island No 2 is an age-restricted 55+ community in North Miami, Miami-Dade County, Florida, governed under the Housing for Older Persons Act (HOPA). Homes are priced from $5,000,000 to $8,600,000. At least one resident per home must be 55 or older. Pure Equity lists homes in Keystone Island and represents buyers. Commission is negotiable, and what we are paid is agreed with you in writing before you commit to anything.
- Homes for Sale
- 10
- Under Contract
- 1
- Median List Price
- $3,335,000
- Median $/Sq Ft
- $1,370
- Avg Days on Market
- 133
Frequently Asked Questions
- How do I schedule a tour of 12990 Keystone Terrace, North Miami, FL 33181?
- Use the Tour button on this listing to request a showing of 12990 Keystone Terrace, North Miami, FL 33181. Pick a day and time and choose an in-person or video-chat tour, and a Pure Equity agent will confirm your visit, often the same day.
- Is 12990 Keystone Terrace, North Miami, FL 33181 still available?
- 12990 Keystone Terrace, North Miami, FL 33181 is currently listed as Under Contract, and has been on the market 41 days. Status updates directly from the MLS as homes go under contract, so ask us to confirm availability before you plan a visit.
- How much is the monthly payment for 12990 Keystone Terrace, North Miami, FL 33181?
- With 20% down ($670,000) on the $3,350,000 list price and a 30-year fixed loan at an illustrative 6.875% rate, the estimated principal & interest for 12990 Keystone Terrace, North Miami, FL 33181 is about $17,606/mo, before property taxes, insurance. Use the payment estimate on this page to adjust the down payment and rate.
- How do I get pre-approved to buy 12990 Keystone Terrace, North Miami, FL 33181?
- Getting pre-approved shows sellers you're a serious buyer and clarifies your true budget before you offer on 12990 Keystone Terrace, North Miami, FL 33181. Contact Pure Equity and we'll connect you with a trusted local lender to review your financing options, no obligation.
- What schools serve 12990 Keystone Terrace, North Miami, FL 33181?
- 12990 Keystone Terrace, North Miami, FL 33181 is zoned for David Lawrence Jr. K-8 (elementary), North Miami (middle), Alonzo and Tracy Mourning (high). School assignments and boundaries can change year to year, so confirm current zoning with the local school district before you buy.
- Can I negotiate the price of 12990 Keystone Terrace, North Miami, FL 33181?
- Often, yes. The right offer on 12990 Keystone Terrace, North Miami, FL 33181 depends on how it's priced against comparable single family sales in North Miami, how long it's been listed, and how motivated the seller is. Pure Equity will run the comps and help you craft a competitive, well-supported offer.
Listing courtesy of KW Reserve Palm Beach
Listing information is provided by BeachesMLS, Inc.and is deemed reliable but not guaranteed accurate by the MLS or Pure Equity. Information is for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties. © 2026 BeachesMLS, Inc. Last updated September 4, 2026.
$3,350,000
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Listed by Jeffrey L Tricoli PA, KW Reserve Palm Beach
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Recent Sales
Recently sold homes in Keystone Island
These are the last 6 recorded closings in Keystone Island, with the price each home actually sold for rather than what it was listed at. They closed at a median of $1,310 per square foot. The most recent closed on July 30, 2026. Closed sales are what an appraiser and a buyer's agent will look at, so they are the starting point for pricing a home here.
Sold$7,530,000
Sold · July 30, 2026
2370 Bayview Lane
6 bed · 6.5 bath · 5,750 sqft · $1,310/sqft
$1,070,000 under the asking price
Sold$4,200,000
Sold · July 27, 2026
2310 Bayview Lane
6 bed · 5.5 bath · 4,822 sqft · $871/sqft
$799,000 under the asking price
Sold$5,400,000
Sold · May 12, 2026
12885 N Bayshore Drive
4 bed · 5 bath · 3,658 sqft · $1,476/sqft
$350,000 under the asking price
Sold$2,700,000
Sold · April 29, 2026
13000 Arch Creek Terrace
4 bed · 4.5 bath · 2,687 sqft · $1,005/sqft
$150,000 under the asking price
Sold$1,500,000
Sold · February 25, 2026
12430 Keystone Island Drive
3 bed · 2.5 bath · 2,048 sqft · $732/sqft
$250,000 under the asking price
Sold$7,500,000
Sold · February 6, 2026
13225 Arch Creek Terrace
6 bed · 5.5 bath · 4,547 sqft · $1,649/sqft
$399,000 under the asking price
See every recorded sale in Keystone Island or find out what your Keystone Island home is worth.
