21470 Overseas Highway, Cudjoe Key, FL 33042

$5,995,000

Property Type: Commercial Sale Bedrooms: 13 Baths: 7 Lot Size (sq. ft.): 52,685 Status: Active

Current Price: $5,995,000 List Date: 2/18/2026 Last Modified: 7/07/2026

Overview

Description

Rare income-producing open-water compound on Cudjoe Key featuring 5 cottages plus a spacious main house. This gated, turnkey waterfront property offers direct open-water views, private dockage with ample boat space, on-site boat ramp, swimming pool, and lush tropical landscaping. Ideal for vacation rental income, corporate retreat, or private family compound. Each unit is well-appointed for guest comfort and positioned to maximize privacy. Excellent boating access to world-class fishing and diving. Strong investment opportunity in the Lower Keys with established income potential. Zoned Sub Urban Residential with one Buildable Sub Urban Commercial Lot, verify with the County. Included Parcel#'s Sub Urban Residential 00174920-000200, 00174920-000300, 00174920-000400, 00174920-000000, 00174920-000100, 00174920-000500. Sub Urban Commercial 00174920-000600. Owner is licensed Realtor The property is also listed with 9 additional units MLS #612522.

Listing Details MLS# 618705

Location, Tax & Legal

Street #: 21470
Street Name: Overseas
Street Suffix: Highway
Key/Island: Cudjoe Key
State/Province: FL
Zip Code: 33042
Subdivision: Sacarma (21.0)
County: Monroe
Area: 07 - Cudjoe Key
City: Cudjoe
Off Shore Island: No
Mile Marker: 21
Marathon Neighborhood: N/A
Side: Ocean
Flood Zone: VE,AE
Alternate Key #: 9026370
Add'l Parcel #1: 00174920-000100
Parcel #: 00174920-000600
Add'l Parcel #2: 00174920-000200
Zoning: SR - Sub Urban Residential District
Legal: See documents tab
Taxes: 29313.6
Tax Year: 2025

Contract Information

Listing Board: Marathon/Lower Keys
Limited Representation: No
Potential Short Sale: No
Bank Owned: No

General Property Description

Realtor.COM Type: Commercial
Style: Commercial
Lot SqFt: 52685
Waterfront: Yes
Control Depth: 2
Business Name: Cudjoe Cottage
Total # Buildings: 4
Total Units: 6
Year Built: 1977
Total Bedrooms: 13
Full Baths: 7
Total Baths: 7
Building SqFt: 0

Association Info

Mandatory Home Owners Asc: No
1st Right of Refusal: No

Property Info

# Boat Slips: 4
# Kitchens: 6
# Refrigerators: 6
# Range/Ovens: 6
2 Bed/Bath: 5
3 Bed/Bath: Yes

More Information

Dockage

Dock: Concrete
Boat Ramp: Yes

Vehicle Storage

Car(s): 4+
Guest Parking: Yes
Off Street Parking: Yes
Trailer Storage: Yes

Financial Status

Bank Owned: No
Potential Short Sale: No

Remarks & Misc

Remarks – Consumer: Rare income-producing open-water compound on Cudjoe Key featuring 5 cottages plus a spacious main house. This gated, turnkey waterfront property offers direct open-water views, private dockage with ample boat space, on-site boat ramp, swimming pool, and lush tropical landscaping. Ideal for vacation rental income, corporate retreat, or private family compound. Each unit is well-appointed for guest comfort and positioned to maximize privacy. Excellent boating access to world-class fishing and diving. Strong investment opportunity in the Lower Keys with established income potential. Zoned Sub Urban Residential with one Buildable Sub Urban Commercial Lot, verify with the County. Included Parcel#'s Sub Urban Residential 00174920-000200, 00174920-000300, 00174920-000400, 00174920-000000, 00174920-000100, 00174920-000500. Sub Urban Commercial 00174920-000600. Owner is licensed Realtor The property is also listed with 9 additional units MLS #612522.
Directions: LA must accompany, do not walk on property, do not disturb guests

Deed Restrictions

No: Yes

License Info

Other/See Remarks: Yes

Type

Hotel/Motel: Yes

Fee Includes

None: Yes

Accounts & Meters

# Water Meters: 6
# Electric Meters: 6

Appliances

Dishwasher: Yes
Range: Yes
Refrigerator: Yes

Cooling

Central Air: Yes

Heating

Central: Yes

Waterfront

Bay Front: Yes
Oceanfront: Yes
Open Water: Yes

Waterview

Ocean View: Yes
Open Water View: Yes

Floor

Combo: Yes
Tile: Yes
Vinyl: Yes

Interior Features

Drapes/Blinds Incl: Yes
Furnished: Yes
Laundry Room: Yes
Smoke Alarms: Yes

Construction

Combo Construction: Yes
Frame: Yes

Land Size

1 Less Than 2 Acres: Yes

Terms

Buyer Obtain Finance: Yes

Utilities

FKAA: Yes
Municipal Sewer: Yes
Separate Meters: Yes

Miscellaneous

Fencing: Yes
High Traffc Location: Yes
High Visibility: Yes
Highway Frontage: Yes
Open Water View: Yes
Patio: Yes
Pool: Yes
Storage: Yes

Roof

Metal Roof: Yes

Shutters

Panel: Yes

Property Features

Deed Restrictions: No License Info: Other/See Remarks Type: Hotel/Motel Waterfront: Bay Front; Oceanfront; Open Water Waterview: Ocean View; Open Water View Dockage: Boat Ramp Vehicle Storage: Guest Parking; Off Street Parking; Trailer Storage Cooling: Central Air Heating: Central Utilities: FKAA; Municipal Sewer; Separate Meters Interior Features: Drapes/Blinds Incl; Furnished; Laundry Room; Smoke Alarms Appliances: Dishwasher; Range; Refrigerator Miscellaneous: Fencing; High Traffc Location; High Visibility; Highway Frontage; Open Water View; Patio; Pool; Storage Construction: Combo Construction; Frame Shutters: Panel Floor: Combo; Tile; Vinyl Roof: Metal Roof Land Size: 1 Less Than 2 Acres Fee Includes: None Terms: Buyer Obtain Finance

Listing Office: Select Properties of NWFL

Last Updated: July - 07 - 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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