




45 photos
12990 Keystone
North Miami, FL 33181
Listing courtesy of KW Reserve Palm Beach (Jeffrey L Tricoli). Contact: [email protected].
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. 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.
- Principal and interest
- $16,939
- Property tax
- $5,098
- Homeowners insurance
- $2,092
- HOA(not in the listing)
- $0
An estimate, not a loan offer. The rate and insurance are assumptions to edit with your own quotes; Florida insurance varies widely by age, construction and distance to the coast. Flood insurance and PMI are not included.
Estimate: the price times the Miami-Dade County average total millage (18.49 mills, Florida Department of Revenue, 2025 average total millage by county), less the homestead exemptions. The actual bill depends on the city, the assessed value and special assessments. Save Our Homes then caps annual assessment increases at 3% or inflation, whichever is lower.
Inside the 1% annual chance floodplain. Lenders require flood insurance on a financed home; ask for the elevation certificate.
Sources: FEMA National Flood Hazard Layer and the Florida Division of Emergency Management evacuation zones, looked up at the listing point. Confirm with an elevation certificate and your insurer.
Listing data provided by the Southeast Florida Multiple Listing Service (MIAMI REALTORS®). The data is deemed reliable but is not guaranteed accurate by the MLS. IDX information is provided exclusively for consumers' personal, non-commercial use, may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and is deemed reliable but is not guaranteed accurate by the MLS. Atlantic Luxury Advisors is a real estate team at Keller Williams Realty. Payment, tax and flood figures on this page are estimates by Atlantic Luxury Advisors, not MLS data.





