20844 W 4Th Avenue
Cudjoe Key, FL 33042
MLS# 619299
Status:
Contingent/Show4 beds | 3 baths | 2951 sqft
Property DescriptionFISHERMAN'S DREAM! BIG BOATS WELCOME! DEEP WATER! LARGE WATERFRONT HOME in the prestigious neighborhood of Cudjoe Gardens. When you first walk up you will notice the beautiful landscaping, tropical fruit trees, key limes, mangoes, lemons, bananas and avocados! This stunning and elegant concrete residence on elevated lot, offers the perfect harmony of luxury and comfort. All new impact windows & doors, framed by custom plantation shutters. Every space has been meticulously curated, brand-new AC, and more! This incredible property with almost 3,000sf offers an open and spacious floor plan. The living area blends seamlessly with the screened in lanai with full bar, concrete heated, saltwater pool and overflow hot tub, offering full sun during the day. Leave the full wall of glass doors open to allow the fresh breeze of the Florida Keys as well as the gentle sound of the pool's waterfall. The Custom Chef's Kitchen has top of the line Stainless Steel Appliances, new wine cooler, Granite Countertops, huge island, and Custom Cabinetry. The home has a large master bedroom suite with its own living room/office/exercise area, sliders to back yard, 2 closets, and wonderful bathroom with spa like shower. 2 large guest bedrooms with full bath, an incredible Mother In Law/Guest Suite set up as bedroom sleeping 4-8 people with living area, with it's own driveway and private entrance and access to lanai, gorgeous bamboo flooring with inlayed Compass Rose and ceiling made of river recovered heart cypress, walk in closet designed as storm shelter, and full bath. Other features, outdoor kitchen and bar, 1 car garage with ample storage, double boat lift 20,000lb, 5 ft draft, 2 Ace 5,500lb davits, 100x10 concrete dock, Killer Dock brand fish cleaning station, commercial ice maker, and 5 min. Ride from the Ocean or Gulf, Fuel, Marina, and Tackle store, perfect for the avid fisherman. Wide canal, flow thru canal. This property is a boat lover, fisherman, and chef's Dream Home
Listing Board: Key West Association
As is Rght to Inspct: No
Species List: No
Current Price: $2,795,000
Listing Date: 2026-04-01
List Price: $2,795,000
City: Cudjoe
Off Shore Island: No
Mile Marker: 21
Marathon Neighborhood: N/A
Side: Ocean
Flood Zone: AE
Alternate Key #: 8566361
Handicap Access: Yes
Parcel #: 00174635-000700
Zoning: IS - Improved Subivision District
Deed Restrictions: Unknown
Legal: BK 21 LT 7 CUDJOE GARDENS EIGHTH ADDITION PB7-16 OR1272-492/94PET OR1282-2179/82/TR OR1318-1404/06 OR1320-2251/53 OR1356
Taxes: 21893.66
Tax Year: 2025
Pub Sewer HkUp: Yes
Street #: 20844
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)
Realtor.COM Type: Residential - Single Family
Waterfront: Yes
Control Depth: 5
Lot Size: X
Lot Sqft Source: Property Data Card
Total Units: 0
Acres: 0.29
SqFt Source: Tax Records
Rentals Allowed: With Restrictions
Min Rental Days: 28
Style: Single Family
Year Built: 1997
Living Apx SqFt: 2951
Total Bedrooms: 4
Full Baths: 3
Total Baths: 3
Remarks – Consumer: FISHERMAN'S DREAM! BIG BOATS WELCOME! DEEP WATER! LARGE WATERFRONT HOME in the prestigious neighborhood of Cudjoe Gardens. When you first walk up you will notice the beautiful landscaping, tropical fruit trees, key limes, mangoes, lemons, bananas and avocados! This stunning and elegant concrete residence on elevated lot, offers the perfect harmony of luxury and comfort. All new impact windows & doors, framed by custom plantation shutters. Every space has been meticulously curated, brand-new AC, and more! This incredible property with almost 3,000sf offers an open and spacious floor plan. The living area blends seamlessly with the screened in lanai with full bar, concrete heated, saltwater pool and overflow hot tub, offering full sun during the day. Leave the full wall of glass doors open to allow the fresh breeze of the Florida Keys as well as the gentle sound of the pool's waterfall. The Custom Chef's Kitchen has top of the line Stainless Steel Appliances, new wine cooler, Granite Countertops, huge island, and Custom Cabinetry. The home has a large master bedroom suite with its own living room/office/exercise area, sliders to back yard, 2 closets, and wonderful bathroom with spa like shower. 2 large guest bedrooms with full bath, an incredible Mother In Law/Guest Suite set up as bedroom sleeping 4-8 people with living area, with it's own driveway and private entrance and access to lanai, gorgeous bamboo flooring with inlayed Compass Rose and ceiling made of river recovered heart cypress, walk in closet designed as storm shelter, and full bath. Other features, outdoor kitchen and bar, 1 car garage with ample storage, double boat lift 20,000lb, 5 ft draft, 2 Ace 5,500lb davits, 100x10 concrete dock, Killer Dock brand fish cleaning station, commercial ice maker, and 5 min. Ride from the Ocean or Gulf, Fuel, Marina, and Tackle store, perfect for the avid fisherman. Wide canal, flow thru canal. This property is a boat lover, fisherman, and chef's Dream Home
Directions: Overseas Hwy to Cudjoe Gardens, turn onto Drost, turn right onto 4th W, house on left.
Mandatory Home Owners Asc: No
Voluntary Home Owners Asc: Yes
1st Right of Refusal: No
Assoc Approval Req: No
Association Fee $: 75
Assoc/Mnt Fee Per: Yearly
Common Area Mnt: 1
Other: 1
Dock Length: 100
Dock: Concrete
Gas Appliances: 1
Ice Machine: 1
Stainless Steel Appliance(s): 1
Washer: 1
Ceiling Fans(s): 1
Central Air: 1
Community Boat Ramp: 1
Other Area Features: 1
Bar: 1
Built-in Cabinets: 1
Drapes/Blinds Incl: 1
Entrance Foyer: 1
Granite Counter Top: 1
Pantry: 1
Smoke Alarms: 1
Split Bedroom: 1
Storage: 1
Walk-in Closet(s): 1
Wet Bar: 1
Whirlpool Bath Tub: 1
Window Treatments: 1
Other: 1
Above Flood: Yes
Ground Level: 1
Glass Doors: 1
Impact Rstnce Doors: 1
Impact Rstnce Window: 1
Sliding Glass Doors: 1
Guest Parking: 1
Open Parking: 1
Attached: 1
Auto Door Opener: 1
Off Street Parking: 1
Trailer Storage: 1
Patrolled Area: 1
Other: 1
Elect Separate Meter: 1
FKAA: 1
Municipal Sewer: 1
Propane: 1
Open Porch/Balcony: 1
Patio: 1
Screened P/B: 1
Screened Patio: 1
Fencing: 1
Fruit Tree(s): 1
Lighting: 1
Outdoor Kitchen: 1
Outdoor Shower: 1
Privacy Wall/Fence: 1
Rain Gutters: 1
Sprinkler System: 1
Storage: 1
Water Display: 1
In Ground: 1
Salt Water: 1
Other: Hot tub w/waterfall
Heated: Yes
Concrete: 1
Dimensions: 14 x 28
Other Surroundings: outdoor bar/kitchen
Cable: 1
Other: Att fiber optics
Accessible Doors: 1
Accessible Kitchen: 1
Contingent: Contingent/Show
Status: Contingent/Show
Fee Includes: Common Area Mnt; Other
Tax Exemptions: Homestead
Dockage: Boat Lift; Davits
Property Condition: Updated/Remodeled
Building Style: Ground Level
Vehicle Storage: Garage; Attached; Auto Door Opener; Guest Parking; Off Street Parking; Open Parking; Trailer Storage
Cooling: Ceiling Fans(s); Central Air
Heating: Central; Propane Stove
Utilities: Elect Separate Meter; FKAA; Municipal Sewer; Propane; Water Separate Meter
Interior Features: Bar; Built-in Cabinets; Drapes/Blinds Incl; Entrance Foyer; Granite Counter Top; Pantry; Smoke Alarms; Split Bedroom; Storage; Walk-in Closet(s); Wet Bar; Whirlpool Bath Tub; Window Treatments; Other
Specialty Rooms: Laundry Room
Appliances: Dishwasher; Disposal; Dryer; Freezer; Gas Appliances; Ice Machine; Microwave; Oven; Range; Refrigerator; Stainless Steel Appliance(s); Washer; Wine Cooler
Exterior Features: Bar; Built-in Grill; Fencing; Fruit Tree(s); Hot Tub; Lanai; Lighting; Outdoor Kitchen; Outdoor Shower; Privacy Wall/Fence; Rain Gutters; Sprinkler System; Storage; Water Display
Accessibility Feat: Accessible Doors; Accessible Kitchen; Parking
Pool Info: In Ground; Salt Water; Concrete; Decked; Screened In
Construction: CBS; Concrete
Neighborhood Feature: Community Boat Ramp; Other Area Features
Security: Patrolled Area; Other
Land Size: 1/4 - 1/2 Acre
Terms: Cash; Conventional; FHA; VA
GF-Interior Features: Programmable Thermst
Listing Office: Berkshire Hathaway HomeServices Knight & Gardner Realty
Last Updated: April - 11 - 2026
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