Florida Keys luxury island living at its finest. Welcome to your private slice of tropical island living in coveted Cudjoe Gardens--a true boater's dream set on an oversized double canal-front lot (approx. 15,200 sq. ft.) with an impressive close to 200 feet of concrete seawall. This beautifully designed CBS home offers 4 bedrooms, 3 baths, and nearly 3,000 sq. ft. of living space, thoughtfully arranged for relaxed living and effortless entertaining. Recent renovations elevate the home even further, with the kitchen and primary bath completely and tastefully reimagined by D'Asign Source. The stunning chef's kitchen now features Omega cabinetry, elegant quartzite stone surfaces, premium KitchenAid appliances, and a striking black walnut round dining table that anchors the space with warmth and natural beauty--perfect for gathering with family and friends. Pocket sliding doors open the living areas to a spacious screened Florida Room (approx. 494 sq. ft.), seamlessly blending indoor and outdoor living. Outside, enjoy mature tropical landscaping, extensive paved driveways and walkways, and resort-style spaces designed for relaxing and entertaining. For boating enthusiasts, this property truly shines: approx. 4' control depth, quick access to the reef and backcountry, protected canals, and proximity to a full-service marina. The seawall is fully equipped with a cut-in boat slip, 15,000 lb. boat lift, davits, swim ladder, and outdoor shower--everything you need for life on the water. Additional highlights include a barrel tile roof, an attached 2 car garage, a versatile 676 sq. ft. garage space ideal for storage, hobbies, or island toys. Whether you're hosting sunset gatherings by the pool, heading out for a day on the water, or simply unwinding in your own tropical retreat, this remarkable property offers the perfect blend of comfort, style, and true Florida Keys lifestyle. Come see this exceptional canal-front retreat, where every day feels like a getaway.
For sale
Price cut: $200K (4/24)
$2,795,000
20920 5th Ave W, Cudjoe Key, FL 33042
4beds
2,913sqft
Single Family Residence
Built in 1995
0.35 Acres Lot
$2,637,800 Zestimate®
$959/sqft
$-- HOA
What's special
Elegant quartzite stone surfacesPremium kitchenaid appliancesProtected canalsSwim ladderBarrel tile roofOutdoor showerMature tropical landscaping
- 146 days |
- 658 |
- 28 |
Zillow last checked:
Listing updated:
Listed by:
Miriam Novotny 305-942-9684,
Compass Florida, LLC,
Paul Brooks 828-674-6137,
Compass Florida, LLC
Source: FLKMLS,MLS#: 618526
Originating MLS: Key West Association
Loading...
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
Heating
- Central
Cooling
- Central Air, Ceiling Fans(s)
Appliances
- Included: Washer, Microwave, Oven, Range, Refrigerator, Dishwasher, Dryer
- Laundry: Laundry Room
Features
- Cathedral Ceiling(s), Bar, Walk-In Closet(s), Sun/Florida Room
- Flooring: Tile, Carpet
- Doors: Sliding Glass Doors
- Windows: Window Treatments, Double Hung Windows
Interior area
- Total interior livable area: 2,913 sqft
Property
Parking
- Parking features: Garage, Trailer Storage, Guest, Garage Door Opener, Attached
- Has attached garage: Yes
- Has uncovered spaces: Yes
Features
- Levels: One
- Stories: 1
- Patio & porch: Lanai, Patio, Screened Patio
- Exterior features: Storage, Sprinkler System
- Has private pool: Yes
- Pool features: Heated, In Ground
- Has spa: Yes
- Spa features: Private
- Has view: Yes
- View description: Canal
- Has water view: Yes
- Water view: Canal
- Waterfront features: Canal Front, Waterfront, Dock: Concrete, Dock Length: 200, Dockage: Davits, Boat Lift
Lot
- Size: 0.35 Acres
- Features: 1/4 - 1/2 Acre
Details
- Parcel number: 00174634006700
- Zoning: IS
- Zoning description: Improved Subivision District
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Single Family Residence
Materials
- CBS, Other
- Roof: Tile
Condition
- Updated/Remodeled
- New construction: No
- Year built: 1995
Utilities & green energy
- Sewer: Municipal Sewer, Public Sewer
- Utilities for property: FKAA
Community & HOA
Community
- Features: Community Boat Ramp, Bike Paths
- Subdivision: Cudjoe Gardens (21.0)
HOA
- Has HOA: Yes
- Services included: None
Location
- Region: Cudjoe Key
Financial & listing details
- Price per square foot: $959/sqft
- Tax assessed value: $2,436,898
- Annual tax amount: $19,216
- Date on market: 2/7/2026
- Listing terms: Cash,FHA,VA Loan,Conventional
Estimated market value
$2,637,800
$2.51M - $2.77M
$7,825/mo
Price history
| Date | Event | Price |
|---|---|---|
| 4/24/2026 | Price change | $2,795,000-6.7%$959/sqft |
Source: | ||
| 2/7/2026 | Listed for sale | $2,995,000+77.2%$1,028/sqft |
Source: | ||
| 11/2/2020 | Sold | $1,690,000-0.5%$580/sqft |
Source: | ||
| 4/14/2020 | Price change | $1,699,000-10.5%$583/sqft |
Source: Coldwell Banker Schmitt Real Estate Co. #588547 Report a problem | ||
| 2/29/2020 | Price change | $1,899,000-2.6%$652/sqft |
Source: Coldwell Banker Schmitt RE Co. Lower Keys Office #588547 Report a problem | ||
| 12/6/2019 | Listed for sale | $1,949,000+143.9%$669/sqft |
Source: Coldwell Banker Schmitt RE Co. Lower Keys Office #588547 Report a problem | ||
| 5/19/2011 | Listing removed | $799,000$274/sqft |
Source: Visual Tour #553153 Report a problem | ||
| 2/24/2011 | Listed for sale | $799,000+14.1%$274/sqft |
Source: Visual Tour #553153 Report a problem | ||
| 11/5/2010 | Sold | $700,000-12.4%$240/sqft |
Source: | ||
| 10/1/2010 | Listed for sale | $799,000+99.8%$274/sqft |
Source: Coldwell Banker Schmitt Real Estate #553155 Report a problem | ||
| 5/22/1997 | Sold | $400,000$137/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $19,217 +4.4% | $1,958,845 +10% |
| 2024 | $18,408 +14.1% | $1,780,768 +10% |
| 2023 | $16,139 +15.1% | $1,618,880 +10% |
| 2022 | $14,019 +8.5% | $1,471,709 +10% |
| 2021 | $12,918 +62.5% | $1,337,917 +61.9% |
| 2020 | $7,948 | $826,167 +2.3% |
| 2019 | $7,948 +1.8% | $807,593 +1.9% |
| 2018 | $7,805 -0.8% | $792,535 +2.1% |
| 2017 | $7,864 +2.9% | $776,235 +2.1% |
| 2016 | $7,645 -0.8% | $760,270 +9.3% |
| 2015 | $7,703 | $695,851 |
Find assessor info on the county website
Monthly payment
Est. payment$--/mo
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.
See how much you could borrow to make a competitive offer.
Climate risks
Neighborhood: 33042
Nearby schools
GreatSchools rating
- 6/10Sugarloaf SchoolGrades: PK-8Distance: 1.4 mi
- 4/10Key West High SchoolGrades: 9-12Distance: 18.5 mi
A local agent can set up tours, give advice and negotiate with sellers.
- Florida
- Monroe County
- Summerland Key
- 33042
- 20920 5th Ave W




