$2,699,999
Cudjoe Key, FL 33042
MLS# 620277
4 beds | 3 baths | 2452 sqft
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Property Description
Welcome to one of Cudjoe Gardens' most desirable waterfront addresses Built in 2018, 20833 4th Avenue West is an exceptional CBS waterfront estate offering 4 bedrooms, 3 bathrooms, and more than 2,400 square feet of thoughtfully designed living space. Perfectly positioned on an oversized waterfront lot, this home combines outstanding boating amenities, resort-style outdoor living, and remarkably affordable insurance costs. One of the property's most impressive features is its combined flood, wind, and homeowners insurance, totaling less than $5,500 per year--an extraordinary value for a waterfront home of this caliber in the Florida Keys. Designed with boaters in mind, the property offers approximately 100 feet of concrete dockage along a wide flow-through canal with deep-water access and quick routes to both the Gulf of Mexico and Atlantic Ocean. Two boat lifts, including a 10,000-pound and 14,000-pound lift, provide ample capacity for multiple vessels, making it easy to keep your boats protected and ready for your next fishing, diving, or boating adventure.The backyard is a private tropical retreat centered around a stunning 50-foot resort-style swimming pool heated/chilled Whether you're swimming laps, entertaining guests, or simply relaxing in the Florida sunshine, this outdoor space was designed to impress. A custom tiki bar, outdoor kitchen, waterfront pergola, and expansive entertaining decks create the perfect setting for hosting family and friends while enjoying beautiful waterfront views. Inside, the open-concept floor plan is filled with natural light and designed to capture water views throughout the home. High ceilings, spacious living areas, and modern coastal finishes create an atmosphere that is both elegant and comfortable. The seamless transition between indoor and outdoor living makes this home ideal for embracing the laid-back Florida Keys lifestyle.Located within the sought-after Cudjoe Gardens community, and nearby marina
Details
Maps
Contract Information
Listing Board: Key West Association
As is Rght to Inspct: Yes
Species List: Yes
Current Price: $2,699,999
Listing Date: 2026-06-14
List Price: $2,699,999
Location, Tax & Legal
City: Cudjoe
Off Shore Island: No
Mile Marker: 21
Marathon Neighborhood: N/A
Side: Ocean
Flood Zone: AE,AE
Alternate Key #: 8566409
Parcel #: 00174635-001100
Zoning: IS - Improved Subivision District
Deed Restrictions: Yes
Legal: BK 21 LT 11 CUDJOE GARDENS EIGHTH ADDITION PB7-16 OR1272-492/94 OR1282-2179/82 OR1318-1404/06 OR1320-2251/53 OR1426-207
Taxes: 14921.91
Tax Year: 2025
Pub Sewer HkUp: Yes
Street #: 20833
Direction: W
Street Name: 4Th
Street Suffix: Avenue
Key/Island: Cudjoe Key
State/Province: FL
Zip Code: 33042
County: Monroe
Subdivision: Cudjoe Gardens (21.0)
Area: 07 - Cudjoe Key
General Property Description
Realtor.COM Type: Residential - Single Family
Waterfront: Yes
Control Depth: 4
Lot Size: X
Lot SqFt: 11735
Pool: Yes
Total Units: 0
Acres: 0.27
SqFt Source: Property Data Card
Rentals Allowed: With Restrictions
Style: Single Family
Year Built: 2018
Living Apx SqFt: 2452
Total Bedrooms: 4
Full Baths: 2
Half Baths: 1
Total Baths: 3
Remarks & Misc
Remarks – Consumer: Welcome to one of Cudjoe Gardens' most desirable waterfront addresses
Built in 2018, 20833 4th Avenue West is an exceptional CBS waterfront estate offering 4 bedrooms, 3 bathrooms, and more than 2,400 square feet of thoughtfully designed living space. Perfectly positioned on an oversized waterfront lot, this home combines outstanding boating amenities, resort-style outdoor living, and remarkably affordable insurance costs.
One of the property's most impressive features is its combined flood, wind, and homeowners insurance, totaling less than $5,500 per year--an extraordinary value for a waterfront home of this caliber in the Florida Keys.
Designed with boaters in mind, the property offers approximately 100 feet of concrete dockage along a wide flow-through canal with deep-water access and quick routes to both the Gulf of Mexico and Atlantic Ocean. Two boat lifts, including a 10,000-pound and 14,000-pound lift, provide ample capacity for multiple vessels, making it easy to keep your boats protected and ready for your next fishing, diving, or boating adventure.The backyard is a private tropical retreat centered around a stunning 50-foot resort-style swimming pool heated/chilled Whether you're swimming laps, entertaining guests, or simply relaxing in the Florida sunshine, this outdoor space was designed to impress. A custom tiki bar, outdoor kitchen, waterfront pergola, and expansive entertaining decks create the perfect setting for hosting family and friends while enjoying beautiful waterfront views.
Inside, the open-concept floor plan is filled with natural light and designed to capture water views throughout the home. High ceilings, spacious living areas, and modern coastal finishes create an atmosphere that is both elegant and comfortable. The seamless transition between indoor and outdoor living makes this home ideal for embracing the laid-back Florida Keys lifestyle.Located within the sought-after Cudjoe Gardens community, and nearby marina
Association Info
Mandatory Home Owners Asc: No
1st Right of Refusal: No
Association Fee $: 75
Assoc/Mnt Fee Per: Yearly
Fee Includes
None: 1
Dockage
Dock Length: 100
Dock: Concrete
Boat Lift: 1
Tax Exemptions
Homestead: 1
Appliances
Dishwasher: 1
Dryer: 1
Oven: 1
Refrigerator: 1
Stainless Steel Appliance(s): 1
Washer: 1
Cooling
Ceiling Fans(s): 1
Central Air: 1
Heating
Electric: 1
Waterfront
Canal Front: 1
Waterview
Canal View: 1
Floor
Tile: 1
Interior Features
Granite Counter Top: 1
Building Style
Above Flood: Yes
Windows/Doors
Impact Rstnce Doors: 1
Impact Rstnce Window: 1
Vehicle Storage
Garage: 1
Guest Parking: 1
Open Parking: 1
Attached: 1
Auto Door Opener: 1
Construction
CBS: 1
Land Size
Less Than 1/4 Acre: 1
Furnished
Furnished: 1
Utilities
FKAA: 1
Municipal Sewer: 1
Porch/Balcony
Deck: 1
No Porch/Balcony: 1
Open Porch/Balcony: 1
Patio: 1
Title
Title Ins - Buyer: 1
Exterior Features
Fencing: 1
Pool Info
In Ground: 1
Heated: Yes
Concrete: 1
Roof
Metal Roof: 1
Status Change Info
Status: Active
Property Features
Fee Includes: None
Tax Exemptions: Homestead
Waterfront: Canal Front
Waterview: Canal View
Dockage: Boat Lift
Vehicle Storage: Garage; Attached; Auto Door Opener; Guest Parking; Open Parking
Furnished: Furnished
Cooling: Ceiling Fans(s); Central Air
Heating: Electric
Utilities: FKAA; Municipal Sewer
Interior Features: Granite Counter Top
Appliances: Dishwasher; Dryer; Oven; Refrigerator; Stainless Steel Appliance(s); Washer
Exterior Features: Fencing
Pool Info: In Ground; Concrete
Construction: CBS
Floor: Tile
Roof: Metal Roof
Land Size: Less Than 1/4 Acre
Title: Title Ins - Buyer
Listing Office: Coldwell Banker Schmitt Real Estate Co
Last Updated: July - 17 - 2026
The data relating to real estate for sale on this web site comes in part from the Florida Keys MLS, Inc. Information provided is deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. The information being provided is for consumers’ personal, non-commeral use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. IDX data is deemed reliable but is not guaranteed accurate by the MLS.