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For sale
    • Price cut: $100K (6/9)
    $1,150,000

    20868 5th Ave W, Cudjoe Key, FL 33042

    2beds
    1,344sqft
    : 
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    Single Family Residence
    Built in 1995
    7,840 Square Feet Lot
    $1,097,400 Zestimate®
    $856/sqft
    $75/mo HOA

    What's special

    Boat liftCustom cabinetryTiki hutSpacious patioOutdoor shower
    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!
    86 days
    |
    586
    |
    32
    |

    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#: 619465MLS LogoOriginating MLS: Marathon/Lower Keys

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      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 2
      • Bathrooms: 2
      • Full bathrooms: 2
      Cooling
      • Central Air
      Appliances
      • Included: Washer, Microwave, Oven, Range, Refrigerator, Dishwasher, Dryer
      • Laundry: Laundry Room
      Features
      • Storage, Granite Counters, Built-in Cabinets
      • Flooring: Tile, Vinyl
      • Doors: Sliding Glass Doors
      • Windows: Drapes/Blinds Incl, Window Treatments, Awning Windows, Accordion
      Interior area
      • Total interior livable area: 1,344 sqft
      Video & virtual tour

      Property

      Parking
      • Parking features: Garage, Guest, Open
      • Has garage: Yes
      • Has uncovered spaces: Yes
      Features
      • Levels: Ground Level
      • Patio & porch: No Porch/Balcony, Patio
      • Exterior features: Sandy Beach, Outdoor Shower
      • Fencing: Fenced
      • Has view: Yes
      • View description: Canal
      • Has water view: Yes
      • Water view: Canal
      • Waterfront features: Canal Front, Waterfront, Sandy Beach, Seawall: Concrete, Dockage: Boat Lift
      Lot
      • Size: 7,840 Square Feet
      • Dimensions: 80 x 100
      • Features: Less Than 1/4 Acre
      Details
      • Additional structures: Workshop, Chickee Hut
      • Parcel number: 00174634007200
      • Zoning: IS
      • Zoning description: Improved Subivision District

      Construction

      Type & style
      • Home type: SingleFamily
      • Property subtype: Single Family Residence
      Materials
      • CBS
      • Roof: Metal
      Condition
      • Year built: 1995

      Utilities & green energy

      • Sewer: Public Sewer
      • Utilities for property: FKAA, Buyer to Verify

      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,VA Loan,Conventional

        Estimated market value

        $1,097,400

        $1.04M - $1.15M

        $5,917/mo

        Price history

        DateEventPrice
        6/9/2026Price change$1,150,000-8%$856/sqft
        Source: Key West AOR #619465 Report a problem
        4/13/2026Listed for sale$1,250,000+180.9%$930/sqft
        Source: Key West AOR #619465 Report a problem
        9/20/2011Sold$445,000-6.3%$331/sqft
        Source: FLKMLS #553936 Report a problem
        3/12/2011Price change$475,000-11.9%$353/sqft
        Source: Coldwell Banker Schmitt Real Estate #553936 Report a problem
        1/13/2011Price change$539,000-1.8%$401/sqft
        Source: Coldwell Banker Schmitt Real Estate #553936 Report a problem
        1/10/2011Price change$549,000-18.7%$408/sqft
        Source: Dominion Enterprises #112717 Report a problem
        4/24/2010Price change$675,000-3.6%$502/sqft
        Source: Dominion Enterprises #112717 Report a problem
        3/27/2010Listed for sale$700,000+55.6%$521/sqft
        Source: Dominion Enterprises #112717 Report a problem
        4/23/2003Sold$450,000+23.3%$335/sqft
        Source: FLKMLS #515241 Report a problem
        2/6/2003Sold$365,000+50.5%$272/sqft
        Source: Public Record Report a problem
        3/4/1997Sold$242,500$180/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax 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.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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        Climate risks

        Neighborhood: 33042

        Getting around

        13 / 100
        Car-Dependent
        46 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating

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