Welcome to your cozy coastal retreat in Cudjoe Gardens in the beautiful Florida Keys! This well maintained 2bedroom, 2bath CBS home offers 1,344 sq ft of comfortable island living with thoughtful upgrades throughout. Step inside to find custom cabinetry, adding both style and functionality to the home's inviting interior. Outside is where this property truly shines, featuring a private, small man made sandy beach, concrete seawall, and boat lift, making it a boater's dream with easy access to open water. Relax and entertain in true Keys fashion with a spacious patio, tiki hut, and outdoor shower Perfect after a day on the water. The garage provides added storage and convenience, while the cozy layout makes this home ideal as a full time residence, vacation getaway, or investment property. Located just minutes from Cudjoe Gardens Marina, local dining favorites, and world-class fishing and diving, this home offers the perfect blend of tranquility and adventure. Experience laid back coastal living at its finest your Keys escape awaits!
For sale
Price cut: $100K (6/9)
$1,150,000
20868 5th Ave W, Cudjoe Key, FL 33042
2beds
1,344sqft
Single Family Residence
Built in 1995
7,840 Square Feet Lot
$1,106,600 Zestimate®
$856/sqft
$75/mo HOA
What's special
Boat liftCustom cabinetryTiki hutSpacious patioOutdoor shower
- 131 days |
- 541 |
- 20 |
Zillow last checked:
Listing updated:
Listed by:
Karen A Haack 305-872-8056,
Coldwell Banker Schmitt RE Co.,
Halley Haack 305-304-1456,
Coldwell Banker Schmitt RE Co.
Source: FLKMLS,MLS#: 619465
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Cooling
- Central Air
Appliances
- Included: Washer, Dryer, Dishwasher, Refrigerator, Range, Oven, Microwave
- Laundry: Laundry Room
Features
- Built-in Features, Granite Counters, Storage
- Flooring: Tile, Vinyl
Interior area
- Total structure area: 1,344
- Total interior livable area: 1,344 sqft
Video & virtual tour
Property
Parking
- Parking features: Open
- Has garage: Yes
- Has uncovered spaces: Yes
Features
- Levels: Ground Level
- Patio & porch: No Porch/Balcony, Patio
- Exterior features: Chickee Hut, Outdoor Shower, Sandy Beach
- Fencing: Fenced
- On waterfront: Yes
Lot
- Size: 7,840 Square Feet
- Dimensions: 80 X 100
Details
- Parcel number: 00174634007200
- Zoning: IS - Improved Subivision District
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Single Family Residence
Materials
- CBS
Condition
- Year built: 1995
Community & HOA
Community
- Features: Other
- Subdivision: Cudjoe Gardens (21.0)
HOA
- Has HOA: No
- Services included: None
- HOA fee: $75 monthly
Location
- Region: Cudjoe Key
Financial & listing details
- Price per square foot: $856/sqft
- Tax assessed value: $899,758
- Annual tax amount: $3,999
- Date on market: 4/13/2026
- Listing terms: Cash,Conventional
Estimated market value
$1,106,600
$1.05M - $1.16M
$5,631/mo
Price history
| Date | Event | Price |
|---|---|---|
| 6/9/2026 | Price change | $1,150,000-8%$856/sqft |
Source:  Key West AOR #619465 Report a problem | ||
| 4/13/2026 | Listed for sale | $1,250,000+180.9%$930/sqft |
Source: Key West AOR #619465 Report a problem | ||
| 9/20/2011 | Sold | $445,000-6.3%$331/sqft |
Source:  FLKMLS #553936 Report a problem | ||
| 3/12/2011 | Price change | $475,000-11.9%$353/sqft |
Source: Coldwell Banker Schmitt Real Estate #553936 Report a problem | ||
| 1/13/2011 | Price change | $539,000-1.8%$401/sqft |
Source: Coldwell Banker Schmitt Real Estate #553936 Report a problem | ||
| 1/10/2011 | Price change | $549,000-18.7%$408/sqft |
Source: Dominion Enterprises #112717 Report a problem | ||
| 4/24/2010 | Price change | $675,000-3.6%$502/sqft |
Source: Dominion Enterprises #112717 Report a problem | ||
| 3/27/2010 | Listed for sale | $700,000+55.6%$521/sqft |
Source: Dominion Enterprises #112717 Report a problem | ||
| 4/23/2003 | Sold | $450,000+23.3%$335/sqft |
Source: FLKMLS #515241 Report a problem | ||
| 2/6/2003 | Sold | $365,000+50.5%$272/sqft |
Source: Public Record Report a problem | ||
| 3/4/1997 | Sold | $242,500$180/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $3,999 +5.2% | $402,934 +2.9% |
| 2024 | $3,801 +4.8% | $391,579 +3% |
| 2023 | $3,626 +2.7% | $380,174 +3% |
| 2022 | $3,530 -2.2% | $369,101 +3% |
| 2021 | $3,610 +0.6% | $358,351 +1.4% |
| 2020 | $3,590 | $353,404 +2.3% |
| 2019 | $3,590 +1.9% | $345,459 +1.9% |
| 2018 | $3,524 -0.4% | $339,018 +2.1% |
| 2017 | $3,538 +2.8% | $332,046 +2.1% |
| 2016 | $3,442 -0.5% | $325,217 +0.7% |
| 2015 | $3,460 | $322,956 |
Find assessor info on the county website
Monthly payment
Est. payment
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.Climate risks
Neighborhood: 33042
Nearby schools
GreatSchools rating
- 6/10Sugarloaf SchoolGrades: PK-8Distance: 1.3 mi
- 4/10Key West High SchoolGrades: 9-12Distance: 18.4 mi
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A local agent can set up tours, give advice and negotiate with sellers.
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