20844 W 4Th Avenue, Cudjoe Key, FL 33042 (MLS# 619299)

20844 W 4Th Avenue, Cudjoe Key, FL 33042

New Listing

$2,795,000

Pool and hot tub with waterfall feature in lanai

Everything is Included in the price except the center console

Super elevated lot, never worry about flooding

Showing with brighter and lighter painted walls

Property Type: Residential Bedrooms: 4 Baths: 3 Square Footage: 2,951 Lot Size (sq. ft.): 12,500 Status: Active

Current Price: $2,795,000 List Date: 4/01/2026 Last Modified: 4/04/2026

Overview

Description

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 Cou ... (Read more)

Listing Details MLS# 619299

Location, Tax & Legal

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)
Area: 07 - Cudjoe Key
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

Contract Information

Listing Board: Key West Association
As is Rght to Inspct: No
Species List: No

General Property Description

Realtor.COM Type: Residential - Single Family
Style: Single Family
Waterfront: Yes
Control Depth: 5
Pool: Yes
Year Built: 1997
Lot SqFt: 12500
Lot Sqft Source: Property Data Card
Acres: 0.29
Living Apx SqFt: 2951
SqFt Source: Tax Records
Total Bedrooms: 4
Full Baths: 3
Total Baths: 3
Rentals Allowed: With Restrictions
Min Rental Days: 28
Total Units: 0

Association Info

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

Dockage

Dock Length: 100
Dock: Concrete
Seawall: Concrete
Boat Lift: Yes
Davits: Yes

More Information

Building Style

Above Flood: Yes
Ground Level: Yes

Vehicle Storage

Car(s): 4+
Garage: Yes
Guest Parking: Yes
Open Parking: Yes
Attached: Yes
Auto Door Opener: Yes
Off Street Parking: Yes
Trailer Storage: Yes

Pre-Wired

Other: Att fiber optics
Cable: Yes

Pool Info

Other: Hot tub w/waterfall
Heated: Yes
Dimensions: 14 x 28
Other Surroundings: outdoor bar/kitchen
In Ground: Yes
Salt Water: Yes
Concrete: Yes
Decked: Yes
Screened In: Yes

Remarks & Misc

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.

Fee Includes

Common Area Mnt: Yes
Other: Yes

Tax Exemptions

Homestead: Yes

Appliances

Dishwasher: Yes
Disposal: Yes
Dryer: Yes
Freezer: Yes
Gas Appliances: Yes
Ice Machine: Yes
Microwave: Yes
Oven: Yes
Range: Yes
Refrigerator: Yes
Stainless Steel Appliance(s): Yes
Washer: Yes
Wine Cooler: Yes

Pets

Pets Allowed: Yes

Cooling

Ceiling Fans(s): Yes
Central Air: Yes

Heating

Central: Yes
Electric: Yes
Propane Stove: Yes

Waterfront

Canal Front: Yes

Waterview

Canal View: Yes

Floor

Tile: Yes
Wood: Yes

Neighborhood Feature

Community Boat Ramp: Yes
Other Area Features: Yes

Interior Features

Bar: Yes
Built-in Cabinets: Yes
Drapes/Blinds Incl: Yes
Entrance Foyer: Yes
Granite Counter Top: Yes
Pantry: Yes
Smoke Alarms: Yes
Split Bedroom: Yes
Storage: Yes
Walk-in Closet(s): Yes
Wet Bar: Yes
Whirlpool Bath Tub: Yes
Window Treatments: Yes
Other: Yes

Property Condition

Updated/Remodeled: Yes

Specialty Rooms

Laundry Room: Yes

Windows/Doors

Glass Doors: Yes
Impact Rstnce Doors: Yes
Impact Rstnce Window: Yes
Sliding Glass Doors: Yes

Security

Patrolled Area: Yes
Other: Yes

Construction

CBS: Yes
Concrete: Yes

Land Size

1/4 - 1/2 Acre: Yes

Furnished

Negotiable: Yes

Terms

Cash: Yes
Conventional: Yes
FHA: Yes
VA: Yes

Utilities

Elect Separate Meter: Yes
FKAA: Yes
Municipal Sewer: Yes
Propane: Yes
Water Separate Meter: Yes

Porch/Balcony

Open Porch/Balcony: Yes
Patio: Yes
Screened P/B: Yes
Screened Patio: Yes

Title

Negotiable: Yes

Exterior Features

Bar: Yes
Built-in Grill: Yes
Fencing: Yes
Fruit Tree(s): Yes
Hot Tub: Yes
Lanai: Yes
Lighting: Yes
Outdoor Kitchen: Yes
Outdoor Shower: Yes
Privacy Wall/Fence: Yes
Rain Gutters: Yes
Sprinkler System: Yes
Storage: Yes
Water Display: Yes

Roof

Metal Roof: Yes

Accessibility Feat

Accessible Doors: Yes
Accessible Kitchen: Yes
Parking: Yes

GF-Interior Features

Programmable Thermst: Yes

Property Features

Fee Includes: Common Area Mnt; Other Tax Exemptions: Homestead Waterfront: Canal Front Waterview: Canal View 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 Furnished: Negotiable 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 Pre-Wired: Cable 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 Floor: Tile; Wood Roof: Metal Roof Pets: Pets Allowed Neighborhood Feature: Community Boat Ramp; Other Area Features Security: Patrolled Area; Other Land Size: 1/4 - 1/2 Acre Terms: Cash; Conventional; FHA; VA Title: Negotiable GF-Interior Features: Programmable Thermst

Listing Office: Berkshire Hathaway HomeServices Knight & Gardner Realty

Last Updated: April - 04 - 2026

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