20844 W 4th Avenue, Cudjoe Key, FL 33042
$2,950,000
Property Type:
Residential
Bedrooms:
4
Baths:
3
Square Footage:
2,951
Lot Size (sq. ft.):
12,500
Status:
Active
Current Price:
$2,950,000
List Date:
10/08/2025
Last Modified:
12/03/2025
Description
SOLD TURNKEY! PRICE INCLUDES FURNISHINGS, 2006 PONTOON BOAT & 2021 JET SKI! A remarkable waterfront estate in the prestigious neighborhood of Cudjoe Gardens. When you first walk up one of the two brick paver driveways on this over sized lot you will find two entrances, beautiful landscaping, tropical fruit trees, key limes, mangoes, lemons, bananas and avocados! This stunning concrete residence blends timeless elegance with coastal sophistication, offering 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 in, as well as the gentle sound of the pool's lovely 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 2 large master bedroom suites, 2 guest bedrooms, and 3 full baths. One of the Master Suites has attached room which can serve as an office, living room, or exercise room, with views of the canal and own entrance leading to the private backyard. Two walk-in closets, and spa shower. The 2nd Master with gorgeous bamboo flooring with inlayed Compass Rose and ceiling made of river recovered heart cypress, has its own front and back entrance to the screened in lanai, walk in closet designed as storm shelter, and full bath. Other features, double boat lift 20,000lb, 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, a Marina, and Tackle store, perfect for the avid fisherman!
More Information MLS# 616783
Contract Information
Listing Board: Key West Association
As is Rght to Inspct: Yes
Species List: Yes
Current Price: $2,950,000
Listing Date: 2025-10-08
List Price: $2,950,000
Location, Tax & Legal
City: Cudjoe
Off Shore Island: No
Mile Marker: 21
Marathon Neighborhood: N/A
Side: Ocean
Flood Zone: AE
Alternate Key #: 8566361
Handicap Access: Yes
Zoning: IS - Improved Subivision District
Deed Restrictions: Unknown
Legal: Bk 21 Lt 7 Cudjoe Gardens Eighth Addition Pb7-16
Taxes: 21976
Tax Year: 2024
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)
Area: 07 - Cudjoe Key
General Property Description
Realtor.COM Type: Residential - Single Family
Waterfront: Yes
Control Depth: 5
Lot Size: 100 x 125
Lot SqFt: 12500
Pool: Yes
Lot Sqft Source: Property Data Card
Total Units: 0
Acres: 0.29
SqFt Source: Property Data Card
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 & Misc
Remarks – Consumer: SOLD TURNKEY! PRICE INCLUDES FURNISHINGS, 2006 PONTOON BOAT & 2021 JET SKI! A remarkable waterfront estate in the prestigious neighborhood of Cudjoe Gardens. When you first walk up one of the two brick paver driveways on this over sized lot you will find two entrances, beautiful landscaping, tropical fruit trees, key limes, mangoes, lemons, bananas and avocados! This stunning concrete residence blends timeless elegance with coastal sophistication, offering 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 in, as well as the gentle sound of the pool's lovely 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 2 large master bedroom suites, 2 guest bedrooms, and 3 full baths. One of the Master Suites has attached room which can serve as an office, living room, or exercise room, with views of the canal and own entrance leading to the private backyard. Two walk-in closets, and spa shower. The 2nd Master with gorgeous bamboo flooring with inlayed Compass Rose and ceiling made of river recovered heart cypress, has its own front and back entrance to the screened in lanai, walk in closet designed as storm shelter, and full bath. Other features, double boat lift 20,000lb, 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, a Marina, and Tackle store, perfect for the avid fisherman!
Directions: Us 1 Overseas Hwy to Cudjoe Key, turn onto Drost by Sheriffs Station into Cudjoe Gardens, turn right onto 4th Ave and home 2nd from end of street on left.
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
Fee Includes
Common Area Mnt: 1
Other: 1
Dockage
Dock Length: 100
Dock: Concrete
Boat Lift: 1
Davits: 1
Seawall: Concrete
Tax Exemptions
Homestead: 1
Appliances
Dishwasher: 1
Disposal: 1
Dryer: 1
Freezer: 1
Ice Machine: 1
Microwave: 1
Oven: 1
Range: 1
Refrigerator: 1
Stainless Steel Appliance(s): 1
Washer: 1
Wine Cooler: 1
Pets
Pets Allowed: 1
Cooling
Ceiling Fans(s): 1
Central Air: 1
Heating
Central: 1
Electric: 1
Propane Stove: 1
Waterfront
Canal Front: 1
Waterview
Canal View: 1
Floor
Tile: 1
Wood: 1
Neighborhood Feature
Community Boat Ramp: 1
Other Area Features: 1
Interior Features
Bar: 1
Built-in Cabinets: 1
Drapes/Blinds Incl: 1
Entrance Foyer: 1
Granite Counter Top: 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
Property Condition
Updated/Remodeled: 1
Specialty Rooms
Laundry Room: 1
Building Style
Above Flood: Yes
Ground Level: 1
Windows/Doors
Glass Doors: 1
Impact Rstnce Doors: 1
Impact Rstnce Window: 1
Sliding Glass Doors: 1
Vehicle Storage
Car(s): 4+
Garage: 1
Guest Parking: 1
Open Parking: 1
Attached: 1
Auto Door Opener: 1
Off Street Parking: 1
Trailer Storage: 1
Security
Patrolled Area: 1
Other: 1
Construction
CBS: 1
Concrete: 1
Land Size
1/4 - 1/2 Acre: 1
Furnished
Negotiable: 1
Terms
Cash: 1
Conventional: 1
FHA: 1
VA: 1
Utilities
Elect Separate Meter: 1
FKAA: 1
Municipal Sewer: 1
Propane: 1
Water Separate Meter: 1
Porch/Balcony
Open Porch/Balcony: 1
Patio: 1
Screened P/B: 1
Screened Patio: 1
Title
Negotiable: 1
Exterior Features
Bar: 1
Built-in Grill: 1
Fencing: 1
Fruit Tree(s): 1
Hot Tub: 1
Lanai: 1
Lighting: 1
Outdoor Kitchen: 1
Outdoor Shower: 1
Privacy Wall/Fence: 1
Rain Gutters: 1
Sprinkler System: 1
Storage: 1
Water Display: 1
Pool Info
In Ground: 1
Salt Water: 1
Other: Hot tub w/waterfall
Heated: Yes
Concrete: 1
Dimensions: 14 x 28
Decked: 1
Screened In: 1
Pre-Wired
Cable: 1
Other: Att fiber optics
Roof
Metal Roof: 1
Accessibility Feat
Accessible Doors: 1
Accessible Kitchen: 1
Parking: 1
GF-Interior Features
Programmable Thermst: 1
Status Change Info
Status: Active
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; 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; 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: December - 03 - 2025
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.
