20833 W 4Th Avenue, Cudjoe Key, FL 33042

$2,699,999

Virtual Tour

https://idx.paradym.com/idx/20833-W-4Th-Avenue-Cudjoe-Key-FL-33042/4972700

Property Type: Residential Bedrooms: 4 Baths: 3 Square Footage: 2,452 Lot Size (sq. ft.): 11,735 Status: Active

Current Price: $2,699,999 List Date: 6/14/2026 Last Modified: 7/31/2026

Overview

Description

Welcome to one of Cudjoe Gardens' most desirable waterfront addresses Built in 2018, 20833 4th Avenue West is an exceptional CBS waterfront estate offering 4 bedrooms, 3 bathrooms, and more than 2,400 square feet of thoughtfully designed living space. Perfectly positioned on an oversized waterfront lot, this home combines outstanding boating amenities, resort-style outdoor living, and remarkably affordable insurance costs. One of the property's most impressive features is its combined flood, wind, and homeowners insurance, totaling less than $5,500 per year--an extraordinary value for a waterfront home of this caliber in the Florida Keys. Designed with boaters in mind, the property offers approximately 100 feet of concrete dockage along a wide flow-through canal with deep-water access and quick routes to both the Gulf of Mexico and Atlantic Ocean. Two boat lifts, including a 10,000-pound and 14,000-pound lift, provide ample capacity for multiple vessels, making it easy to keep your ... (Read more)

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Listing Details MLS# 620277

Location, Tax & Legal

Street #: 20833
Direction: W
Street Name: 4Th
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
Off Shore Island: No
Mile Marker: 21
Marathon Neighborhood: N/A
Side: Ocean
Flood Zone: AE,AE
Alternate Key #: 8566409
Parcel #: 00174635-001100
Zoning: IS - Improved Subivision District
Deed Restrictions: Yes
Legal: BK 21 LT 11 CUDJOE GARDENS EIGHTH ADDITION PB7-16 OR1272-492/94 OR1282-2179/82 OR1318-1404/06 OR1320-2251/53 OR1426-207
Taxes: 14921.91
Tax Year: 2025
Pub Sewer HkUp: Yes

Contract Information

Listing Board: Key West Association
As is Rght to Inspct: Yes
Species List: Yes

General Property Description

Realtor.COM Type: Residential - Single Family
Style: Single Family
Waterfront: Yes
Control Depth: 4
Pool: Yes
Year Built: 2018
Lot SqFt: 11735
Acres: 0.27
Living Apx SqFt: 2452
SqFt Source: Property Data Card
Total Bedrooms: 4
Full Baths: 2
Half Baths: Yes
Total Baths: 3
Rentals Allowed: With Restrictions
Total Units: 0

Association Info

Mandatory Home Owners Asc: No
1st Right of Refusal: No
Association Fee $: 75
Assoc/Mnt Fee Per: Yearly

Dockage

Dock Length: 100
Dock: Concrete
Boat Lift: Yes

More Information

Building Style

Above Flood: Yes

Pool Info

Heated: Yes
In Ground: Yes
Concrete: Yes

Remarks & Misc

Remarks – Consumer: Welcome to one of Cudjoe Gardens' most desirable waterfront addresses Built in 2018, 20833 4th Avenue West is an exceptional CBS waterfront estate offering 4 bedrooms, 3 bathrooms, and more than 2,400 square feet of thoughtfully designed living space. Perfectly positioned on an oversized waterfront lot, this home combines outstanding boating amenities, resort-style outdoor living, and remarkably affordable insurance costs. One of the property's most impressive features is its combined flood, wind, and homeowners insurance, totaling less than $5,500 per year--an extraordinary value for a waterfront home of this caliber in the Florida Keys. Designed with boaters in mind, the property offers approximately 100 feet of concrete dockage along a wide flow-through canal with deep-water access and quick routes to both the Gulf of Mexico and Atlantic Ocean. Two boat lifts, including a 10,000-pound and 14,000-pound lift, provide ample capacity for multiple vessels, making it easy to keep your boats protected and ready for your next fishing, diving, or boating adventure.The backyard is a private tropical retreat centered around a stunning 50-foot resort-style swimming pool heated/chilled Whether you're swimming laps, entertaining guests, or simply relaxing in the Florida sunshine, this outdoor space was designed to impress. A custom tiki bar, outdoor kitchen, waterfront pergola, and expansive entertaining decks create the perfect setting for hosting family and friends while enjoying beautiful waterfront views. Inside, the open-concept floor plan is filled with natural light and designed to capture water views throughout the home. High ceilings, spacious living areas, and modern coastal finishes create an atmosphere that is both elegant and comfortable. The seamless transition between indoor and outdoor living makes this home ideal for embracing the laid-back Florida Keys lifestyle.Located within the sought-after Cudjoe Gardens community, and nearby marina

Fee Includes

None: Yes

Tax Exemptions

Homestead: Yes

Appliances

Dishwasher: Yes
Dryer: Yes
Oven: Yes
Refrigerator: Yes
Stainless Steel Appliance(s): Yes
Washer: Yes

Cooling

Ceiling Fans(s): Yes
Central Air: Yes

Heating

Electric: Yes

Waterfront

Canal Front: Yes

Waterview

Canal View: Yes

Floor

Tile: Yes

Interior Features

Granite Counter Top: Yes

Windows/Doors

Impact Rstnce Doors: Yes
Impact Rstnce Window: Yes

Vehicle Storage

Garage: Yes
Guest Parking: Yes
Open Parking: Yes
Attached: Yes
Auto Door Opener: Yes

Construction

CBS: Yes

Land Size

Less Than 1/4 Acre: Yes

Furnished

Furnished: Yes

Utilities

FKAA: Yes
Municipal Sewer: Yes

Porch/Balcony

Deck: Yes
No Porch/Balcony: Yes
Open Porch/Balcony: Yes
Patio: Yes

Title

Title Ins - Buyer: Yes

Exterior Features

Fencing: Yes

Roof

Metal Roof: Yes

Property Features

Fee Includes: None Tax Exemptions: Homestead Waterfront: Canal Front Waterview: Canal View Dockage: Boat Lift Vehicle Storage: Garage; Attached; Auto Door Opener; Guest Parking; Open Parking Furnished: Furnished Cooling: Ceiling Fans(s); Central Air Heating: Electric Utilities: FKAA; Municipal Sewer Interior Features: Granite Counter Top Appliances: Dishwasher; Dryer; Oven; Refrigerator; Stainless Steel Appliance(s); Washer Exterior Features: Fencing Pool Info: In Ground; Concrete Construction: CBS Floor: Tile Roof: Metal Roof Land Size: Less Than 1/4 Acre Title: Title Ins - Buyer

Documents

property info ›

Homeowners and Wind ›

Flood ›

Listing Office: Coldwell Banker Schmitt Real Estate Co

Last Updated: July - 31 - 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.

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