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For sale
  • Price cut: $200K (4/24)
    $2,795,000

    20920 5th Ave W, Cudjoe Key, FL 33042

    4beds
    2,913sqft
    : 
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    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
    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.
    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#: 618526MLS LogoOriginating MLS: Key West Association

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      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

        DateEventPrice
        4/24/2026Price change$2,795,000-6.7%$959/sqft
        Source: FLKMLS #618526 Report a problem
        2/7/2026Listed for sale$2,995,000+77.2%$1,028/sqft
        Source: FLKMLS #618526 Report a problem
        11/2/2020Sold$1,690,000-0.5%$580/sqft
        Source: FLKMLS #588547 Report a problem
        4/14/2020Price change$1,699,000-10.5%$583/sqft
        Source: Coldwell Banker Schmitt Real Estate Co. #588547 Report a problem
        2/29/2020Price change$1,899,000-2.6%$652/sqft
        Source: Coldwell Banker Schmitt RE Co. Lower Keys Office #588547 Report a problem
        12/6/2019Listed for sale$1,949,000+143.9%$669/sqft
        Source: Coldwell Banker Schmitt RE Co. Lower Keys Office #588547 Report a problem
        5/19/2011Listing removed$799,000$274/sqft
        Source: Visual Tour #553153 Report a problem
        2/24/2011Listed for sale$799,000+14.1%$274/sqft
        Source: Visual Tour #553153 Report a problem
        11/5/2010Sold$700,000-12.4%$240/sqft
        Source: FLKMLS #553155 Report a problem
        10/1/2010Listed for sale$799,000+99.8%$274/sqft
        Source: Coldwell Banker Schmitt Real Estate #553155 Report a problem
        5/22/1997Sold$400,000$137/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax 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

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        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

        16 / 100
        Car-Dependent
        48 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating

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