Tucked away in the boating community of Cudjoe Gardens, this spacious 3 Bedroom plus Loft canal front home boasts over 2,500 sq. ft. with soaring ceilings and a 2-car garage. Thoughtfully designed for both relaxation and functionality, the space is filled with natural light which flows seamlessly from room to room. The massive Kitchen is highly functional featuring lots of granite counter space and cabinetry plus stainless steel appliances. A large island takes center stage along with peninsula seating perfect for family gatherings and entertaining. Plenty of storage for all of your cookware with 2 pantries and laundry just a hand reach away. Enjoy alfresco dining overlooking the water on the waterfront screened lanai. The primary suite offers a peaceful retreat, with dual walk-in closets and a luxurious ensuite bathroom that includes dual vanities, a separate soaking tub and a spacious shower. The two guest bedrooms are equally spacious, with generous closet space and baths. Upstairs, a versatile loft space offers endless options such as a den, office, or media room. Impact-resistant windows and doors ensure the interior is bathed in natural light while maintaining storm readiness. Fantastic 84' dockage complete with a 15k lb lift and kayak lift. The dock also features a swim ladder, providing easy access for a quick dip or a leisurely swim in the 100' wide crystal clear flow through canal. Cudjoe Gardens is one of the few Keys neighborhoods where ground level homes are above the flood plane (no steps to climb!) and that offers a full service marina providing boat ramp, fuel, bait and refreshments and a waterfront restaurant all walking distance from your home.
Sold for $1,350,000 on 07/24/25
$1,350,000
20883 4th Ave W, Summerland Key, FL 33042
3beds
2,524sqft
Single Family Residence
Built in 2011
0.3 Acres Lot
$1,350,100 Zestimate®
$535/sqft
$8,099 Estimated rent
What's special
Zillow last checked: 7 hours ago
Listing updated: July 24, 2025 at 01:56am
Listed by:
Lisa H Ferringo 305-797-1221,
Coldwell Banker Schmitt Lower Keys (KW)
Bought with:
Lisa H Ferringo, 605677
Coldwell Banker Schmitt Lower Keys (KW)
Source: FLKMLS,MLS#: 612428
Originating MLS: Key West Association

Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 3
Heating
- Electric
Cooling
- Central Air, Ceiling Fans(s)
Appliances
- Included: Washer, Stainless Steel Appliance(s), Oven, Range, Refrigerator, Dishwasher, Dryer
Features
- Wet Bar, Walk-In Closet(s), Storage, Granite Counters, Loft
- Flooring: Tile, Carpet
- Doors: Impact Rstnce Doors
- Windows: Impact Rstnce Window
Interior area
- Total interior livable area: 2,524 sqft
Property
Parking
- Parking features: Garage, Off Street, Open
- Has garage: Yes
- Has uncovered spaces: Yes
Features
- Levels: One
- Stories: 1
- Patio & porch: Screened Patio
- Has view: Yes
- View description: Canal
- Has water view: Yes
- Water view: Canal
- Waterfront features: Canal Front, Waterfront, Dock: Concrete, Dock Length: 84, Dockage: Boat Lift
Lot
- Size: 0.30 Acres
- Features: 1/4 - 1/2 Acre
Details
- Parcel number: 00174635001500
- 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 & neighborhood
Community
- Community features: Bike Paths
Location
- Region: Summerland Key
- Subdivision: Cudjoe Gardens (21.0)
HOA & financial
HOA
- Has HOA: Yes
- Services included: None
Other
Other facts
- Listing terms: Cash,FHA,Conventional