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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
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