Discover the ultimate boating lifestyle in the Florida Keys with this beautiful Deep Draft Canal Front Pool Home in the exclusive waterfront enclave of Cudjoe Gardens. Set on an expansive 11,000 sq ft lot with 100 feet of waterfront, this ground-level, above-flood concrete ranch home offers seamless access to the Pool and water. Inside, enjoy nearly 2,000 square feet of living space with 3 Bedrooms and 2 Bathrooms, soaring pine ceilings, and a sun-filled Florida room overlooking the canal. The layout is open and bright, perfect for entertaining or quiet relaxation. Step outside to your private 60' dock with a 10,000 lb boat lift, nestled on a crystal-clear 50' wide deep-draft canal -- ideal for serious boaters. After a day on the water, unwind in the expansive screened-in pool area, perfect for enjoying the Keys' tropical lifestyle year-round. Cudjoe Gardens is a true gem -- a concrete home community where most properties are built above flood and have no stairs to climb. The neighborhood Cudjoe Gardens Marina offers fuel, a boat ramp, bait, and refreshments, and is adjacent to the waterfront Bent Prop restaurant, all just a short walk away. This is more than a home -- it's a launchpad for your next great adventure.
For sale
$1,599,000
20838 5th Ave W, Cudjoe Key, FL 33042
3beds
1,944sqft
Est.:
Single Family Residence
Built in 1987
0.25 Acres Lot
$-- Zestimate®
$823/sqft
$-- HOA
What's special
Deep draft canal frontExpansive screened-in pool areaSun-filled florida roomSoaring pine ceilings
- 54 days |
- 816 |
- 42 |
Zillow last checked: 8 hours ago
Listing updated: November 24, 2025 at 02:04am
Listed by:
Lisa H Ferringo 305-797-1221,
Coldwell Banker Schmitt Lower Keys (KW)
Source: FLKMLS,MLS#: 617081
Originating MLS: Key West Association
Originating MLS: Key West AssociationTour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Cooling
- Central Air, Ceiling Fans(s)
Appliances
- Included: Washer, Microwave, Oven, Range, Refrigerator, Dishwasher, Dryer
- Laundry: Laundry Room
Features
- Split Bedroom, Walk-In Closet(s), Sun/Florida Room
- Flooring: Tile
Interior area
- Total interior livable area: 1,944 sqft
Property
Parking
- Total spaces: 1
- Parking features: Garage, Off Street
- Has garage: Yes
Features
- Levels: One,Ground Level
- Stories: 1
- Patio & porch: Lanai, Screened Patio
- Has private pool: Yes
- Pool features: In Ground, Screen Enclosure, Decked, Concrete
- Has view: Yes
- View description: Canal
- Has water view: Yes
- Water view: Canal
- Waterfront features: Canal Front, Waterfront, Dock: Composite, Dock Length: 61, Dockage: Boat Lift
Lot
- Size: 0.25 Acres
- Features: Less Than 1/4 Acre
Details
- Parcel number: 00174634007400
- Zoning: IS
- Zoning description: Improved Subivision District
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Single Family Residence
Materials
- CBS
- Roof: Shingle
Condition
- Year built: 1987
Utilities & green energy
- Sewer: Municipal Sewer, Public Sewer
- Utilities for property: FKAA, Cable Available, Buyer to Verify
Community & HOA
Community
- Features: Other, 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: $823/sqft
- Tax assessed value: $1,330,284
- Annual tax amount: $5,122
- Date on market: 10/29/2025
- Listing terms: Cash,Conventional
Estimated market value
Not available
Estimated sales range
Not available
Not available
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 10/29/2025 | Listed for sale | $1,599,000+77.9%$823/sqft |
Source:  FLKMLS #617081 Report a problem | ||
| 1/1/2020 | Listing removed | $899,000$462/sqft |
Source: Coldwell Banker Schmitt Real Estate Co. #586122 Report a problem | ||
| 6/15/2019 | Listed for sale | $899,000+9%$462/sqft |
Source: Coldwell Banker Schmitt RE Co. Lower Keys Office #586122 Report a problem | ||
| 7/27/2008 | Listing removed | $825,000$424/sqft |
Source: NCI Report a problem | ||
| 6/12/2008 | Listed for sale | $825,000$424/sqft |
Source: NCI Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $5,394 +5.3% | $564,286 +2.9% |
| 2024 | $5,123 +4.3% | $548,383 +3% |
| 2023 | $4,914 +2.7% | $532,411 +3% |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$9,686/mo
Principal & interest
$8033
Property taxes
$1093
Home insurance
$560
Climate risks
Neighborhood: 33042
Nearby schools
GreatSchools rating
- 5/10Sugarloaf SchoolGrades: PK-8Distance: 1.3 mi
- 4/10Key West High SchoolGrades: 9-12Distance: 18.4 mi
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