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  • 20920 5th Avenue, Cudjoe Key, FL 33042 (MLS# 618526)

20920 5th Avenue, Cudjoe Key, FL 33042

$2,995,000
Property Type: Residential Bedrooms: 4 Baths: 3 Square Footage: 2,913 Lot Size (sq. ft.): 15,200 Status: Active
Current Price: $2,995,000 List Date: 2/07/2026 Last Modified: 2/28/2026

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 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.

Open Houses

Sunday, March 01, 2:00 pm - 4:00 pm

More Information MLS# 618526

Contract Information

Listing Board: Key West Association Current Price: $2,995,000 Listing Date: 2026-02-07 List Price: $2,995,000

Location, Tax & Legal

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 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

General Property Description

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

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.

Association Info

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

Fee Includes

None: 1

Dockage

Dock Length: 200 Dock: Concrete Boat Lift: 1 Davits: 1

Tax Exemptions

None: 1

Appliances

Dishwasher: 1 Dryer: 1 Microwave: 1 Oven: 1 Range: 1 Refrigerator: 1 Washer: 1

Pets

Pets Allowed: 1

Cooling

Ceiling Fans(s): 1 Central Air: 1

Heating

Central: 1

Waterfront

Canal Front: 1

Waterview

Canal View: 1

Floor

Carpet: 1 Tile: 1

Neighborhood Feature

Bike Paths: 1 Community Boat Ramp: 1

Interior Features

Bar: 1 Cathedral Ceilings: 1 Walk-in Closet(s): 1 Window Treatments: 1

Property Condition

Updated/Remodeled: 1

Specialty Rooms

Laundry Room: 1 Sun/Florida Room: 1

Building Style

Above Flood: Unknown Stories: 1 Story

Windows/Doors

Double Hung Windows: 1 Sliding Glass Doors: 1

Vehicle Storage

Garage: 1 Guest Parking: 1 Attached: 1 Auto Door Opener: 1 Trailer Storage: 1

Construction

CBS: 1 Other: 1

Land Size

1/4 - 1/2 Acre: 1

Furnished

Negotiable: 1

Terms

Cash: 1 Conventional: 1 FHA: 1 VA: 1

Utilities

FKAA: 1 Municipal Sewer: 1

Porch/Balcony

Patio: 1 Screened Patio: 1

Title

Negotiable: 1

Exterior Features

Hot Tub: 1 Lanai: 1 Sprinkler System: 1 Storage: 1

Pool Info

In Ground: 1 Heated: Yes Dimensions: 12 x 24

Roof

Tile Roof: 1

Status Change Info

Status: Active

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: February - 28 - 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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