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20920 5th Avenue, Cudjoe Key, FL 33042

$2,795,000
Property Type: Residential Bedrooms: 4 Baths: 3 Square Footage: 2,913 Lot Size (sq. ft.): 15,200 Status: Active
Current Price: $2,795,000 List Date: 2/07/2026 Last Modified: 4/24/2026

Overview

Description

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 indoo ...

Listing Details MLS# 618526

Location, Tax & Legal

Street #
20920
Street Name
5th
Street Suffix
Avenue
Key/Island
Cudjoe Key
State/Province
FL
Zip Code
33042
County
Monroe
Subdivision
Cudjoe Gardens (21.0)
Area
07 - Cudjoe Key
City
Cudjoe
Mile Marker
21
Marathon Neighborhood
N/A
Side
Ocean
Alternate Key #
1225428
Parcel #
00174634006700
Zoning
IS - Improved Subivision District
Deed Restrictions
Unknown
Legal
Bk 20 Lts 4 And 5 Cudjoe Gardens Fifth And Seventh Addn's Pb6-88 Cudjoe Key Or511-1033 Or1202-168 Or1342-839/40 Or1458-8
Taxes
19216.79
Tax Year
2025
Pub Sewer HkUp
Yes

Contract Information

Listing Board
Key West Association

General Property Description

Realtor.COM Type
Residential - Single Family
Style
Single Family
Waterfront
Yes
Control Depth
4
Pool
Yes
Year Built
1995
Lot SqFt
15200
Lot Sqft Source
Property Data Card
Living Apx SqFt
2913
SqFt Source
Property Data Card
Total Bedrooms
4
Full Baths
3
Total Baths
3
Rentals Allowed
With Restrictions
Min Rental Days
28

Association Info

Mandatory Home Owners Asc
No
Voluntary Home Owners Asc
Yes
1st Right of Refusal
No
Association Fee $
0

Dockage

Dock Length
200
Dock
Concrete
Boat Lift
Yes
Davits
Yes

More Information

Building Style

Above Flood
Unknown
Stories
1 Story

Pool Info

Heated
Yes
Dimensions
12 x 24
In Ground
Yes

Remarks & Misc

Remarks – Consumer
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.

Fee Includes

None
Yes

Tax Exemptions

None
Yes

Appliances

Dishwasher
Yes
Dryer
Yes
Microwave
Yes
Oven
Yes
Range
Yes
Refrigerator
Yes
Washer
Yes

Pets

Pets Allowed
Yes

Cooling

Ceiling Fans(s)
Yes
Central Air
Yes

Heating

Central
Yes

Waterfront

Canal Front
Yes

Waterview

Canal View
Yes

Floor

Carpet
Yes
Tile
Yes

Neighborhood Feature

Bike Paths
Yes
Community Boat Ramp
Yes

Interior Features

Bar
Yes
Cathedral Ceilings
Yes
Walk-in Closet(s)
Yes
Window Treatments
Yes

Property Condition

Updated/Remodeled
Yes

Specialty Rooms

Laundry Room
Yes
Sun/Florida Room
Yes

Windows/Doors

Double Hung Windows
Yes
Sliding Glass Doors
Yes

Vehicle Storage

Garage
Yes
Guest Parking
Yes
Attached
Yes
Auto Door Opener
Yes
Trailer Storage
Yes

Construction

CBS
Yes
Other
Yes

Land Size

1/4 - 1/2 Acre
Yes

Furnished

Negotiable
Yes

Terms

Cash
Yes
Conventional
Yes
FHA
Yes
VA
Yes

Utilities

FKAA
Yes
Municipal Sewer
Yes

Porch/Balcony

Patio
Yes
Screened Patio
Yes

Title

Negotiable
Yes

Exterior Features

Hot Tub
Yes
Lanai
Yes
Sprinkler System
Yes
Storage
Yes

Roof

Tile Roof
Yes

Property Features

Fee Includes: None Tax Exemptions: None Waterfront: Canal Front Waterview: Canal View Dockage: Boat Lift; Davits Property Condition: Updated/Remodeled Vehicle Storage: Garage; Attached; Auto Door Opener; Guest Parking; Trailer Storage Furnished: Negotiable Cooling: Ceiling Fans(s); Central Air Heating: Central Utilities: FKAA; Municipal Sewer Interior Features: Bar; Cathedral Ceilings; Walk-in Closet(s); Window Treatments Specialty Rooms: Laundry Room; Sun/Florida Room Appliances: Dishwasher; Dryer; Microwave; Oven; Range; Refrigerator; Washer Exterior Features: Hot Tub; Lanai; Sprinkler System; Storage Pool Info: In Ground Construction: CBS; Other Floor: Carpet; Tile Roof: Tile Roof Pets: Pets Allowed Neighborhood Feature: Bike Paths; Community Boat Ramp Land Size: 1/4 - 1/2 Acre Terms: Cash; Conventional; FHA; VA Title: Negotiable
Listing Office: Compass Florida, LLC
Last Updated: April - 24 - 2026
The data relating to real estate for sale on this web site comes in part from the Florida Keys MLS, Inc. Information provided is deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. The information being provided is for consumers’ personal, non-commeral use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. IDX data is deemed reliable but is not guaranteed accurate by the MLS.