Welcome to a refined waterfront pool home in the highly desirable Cudjoe Gardens neighborhood, where luxury meets laid-back island living. Located on a corner canal with 235' of waterfront this home is designed with life on the water in mind. Featuring two boat lifts, 15,000 lb and 12,000 lb, providing flexibility for multiple vessels along with a 2-car Garage for additional storage for all of your gear. Inside, the spacious 3 Bedroom, 3 Bath 3,056 sq. ft. home comfort and style blend with ease. The kitchen stands out with 6-burner Viking Range, Viking dishwasher, cabinet-front refrigerator, stainless appliances, pantry and generous space for entertaining, flowing seamlessly into the main living areas. Soaring ceilings fills the home, creating a bright and inviting atmosphere throughout. Upstairs a loft-style office and a dedicated theatre room offering a bar with beverage center provides the perfect setting for movie nights or game-day gatherings. The primary suite serves as a private retreat, complete with a lavish bath with bidet, separate shower and a relaxing jet tub, ideal for unwinding at the end of the day. Porches on both sides of the home overlook the canals and lead to a unique sandy point at the corner, offering a peaceful setting to take in water views and stunning sunset skies. After a day on the water relax by your waterfront heated salt pool or enjoy sipping cocktails on the screened lanai. Additional amenities include impact windows and doors, whole house generator and ice machine. Cudjoe Gardens is an upscale waterfront community known for its ground-level concrete homes thoughtfully built above the floodplain. The neighborhood is home to Cudjoe Gardens Marina, a convenient full-service stop for fuel, bait, and refreshments on your way to world-class fishing and diving. Residents also enjoy The Bent Prop, a beloved waterfront restaurant offering a true taste of the Keys lifestyle.
For sale
$3,399,000
21090 5th Ave, Cudjoe Key, FL 33042
3beds
3,056sqft
Single Family Residence
Built in 2011
0.29 Acres Lot
$3,142,700 Zestimate®
$1,112/sqft
$-- HOA
What's special
Waterfront heated salt poolLoft-style officeRefined waterfront pool homeCabinet-front refrigeratorBright and inviting atmosphereSoaring ceilingsImpact windows and doors
- 78 days |
- 675 |
- 13 |
Zillow last checked:
Listing updated:
Listed by:
Lisa H Ferringo 305-797-1221,
Coldwell Banker Schmitt Real Estate Co
Source: FLKMLS,MLS#: 619589
Originating MLS: Key West Association
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Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 3
Cooling
- Central Air, Ceiling Fans(s)
Appliances
- Included: Washer, Ice Machine, Freezer, Microwave, Oven, Refrigerator, Dishwasher, Dryer
- Laundry: Laundry Room
Features
- Bar, Whirlpool Bath Tub, Walk-In Closet(s), Storage, Built-in Cabinets, Entrance Foyer, Pantry, Theater Room
- Flooring: Tile, Wood
- Doors: French Doors, Impact Rstnce Doors
- Windows: Drapes/Blinds Incl, Impact Rstnce Window
Interior area
- Total interior livable area: 3,056 sqft
Video & virtual tour
Property
Parking
- Parking features: Garage, Open, Garage Door Opener, Attached
- Has attached garage: Yes
- Has uncovered spaces: Yes
Features
- Levels: Ground Level
- Patio & porch: Open Porch/Balcony, Deck, Patio, Screened P/B
- Exterior features: Built-in Barbecue, Sandy Beach
- Has private pool: Yes
- Pool features: Heated, In Ground, Salt Water
- Has spa: Yes
- Spa features: Private
- 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: 0.29 Acres
- Features: 1/4 - 1/2 Acre
Details
- Parcel number: 00173160000000
- 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: 2011
Utilities & green energy
- Sewer: Municipal Sewer, Public Sewer
- Utilities for property: FKAA, Buyer to Verify
Community & HOA
Community
- Features: Other, Bike Paths
- Security: Smoke Detector(s), Security System
- Subdivision: Cudjoe Gardens (21.0)
HOA
- Has HOA: Yes
- Services included: None
Location
- Region: Cudjoe Key
Financial & listing details
- Price per square foot: $1,112/sqft
- Tax assessed value: $1,549,014
- Annual tax amount: $7,791
- Date on market: 4/21/2026
Estimated market value
$3,142,700
$2.99M - $3.30M
$7,947/mo
Price history
| Date | Event | Price |
|---|---|---|
| 4/21/2026 | Listed for sale | $3,399,000+246.8%$1,112/sqft |
Source: | ||
| 4/20/2012 | Sold | $980,000+53.1%$321/sqft |
Source: Public Record Report a problem | ||
| 12/2/2009 | Sold | $640,000$209/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $7,791 +5.4% | $841,695 +2.9% |
| 2024 | $7,395 +3.7% | $817,974 +3% |
| 2023 | $7,128 +2.7% | $794,150 +3% |
| 2022 | $6,941 -3.2% | $771,020 +3% |
| 2021 | $7,169 +0.4% | $748,564 +1.4% |
| 2020 | $7,138 | $738,229 +2.3% |
| 2019 | $7,138 +1.8% | $721,632 +1.9% |
| 2018 | $7,008 -0.7% | $708,177 +2.1% |
| 2017 | $7,059 +2.9% | $693,612 +2.1% |
| 2016 | $6,863 -0.7% | $679,346 +4.7% |
| 2015 | $6,914 | $648,936 |
Find assessor info on the county website
Monthly payment
Est. payment$--/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.
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Climate risks
Neighborhood: 33042
Nearby schools
GreatSchools rating
- 6/10Sugarloaf SchoolGrades: PK-8Distance: 1.6 mi
- 4/10Key West High SchoolGrades: 9-12Distance: 18.6 mi
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A local lender can help you make sure your offer is ready when you are.
- Florida
- Monroe County
- Summerland Key
- 33042
- 21090 5th Ave






