20844 W 4th Avenue, Cudjoe Key, FL 33042

$2,795,000
Property Type: Residential Bedrooms: 4 Baths: 3 Square Footage: 2,951 Lot Size (sq. ft.): 12,500 Status: Active
Current Price: $2,795,000 List Date: 10/08/2025 Last Modified: 3/02/2026

Description

FISHERMAN'S DREAM! BIG BOATS WELCOME! DEEP WATER! A remarkable waterfront estate in the prestigious neighborhood of Cudjoe Gardens. When you first walk up you will notice the beautiful landscaping, tropical fruit trees, key limes, mangoes, lemons, bananas and avocados! This stunning and elegant concrete residence on elevated lot, offers the perfect harmony of luxury and comfort. All new impact windows & doors, framed by custom plantation shutters. Every space has been meticulously curated, brand-new AC, and more! This incredible property with almost 3,000sf offers an open and spacious floor plan. The living area blends seamlessly with the screened in lanai with full bar, concrete heated, saltwater pool and overflow hot tub, offering full sun during the day. Leave the full wall of glass doors open to allow the fresh breeze of the Florida Keys as well as the gentle sound of the pool's waterfall. The Custom Chef's Kitchen has top of the line Stainless Steel Appliances, new wine cooler, Granite Countertops, huge island, and Custom Cabinetry. The home has a large master bedroom suite with its own living room/office/exercise area, sliders to back yard, 2 closets, and wonderful bathroom with spa like shower. 2 large guest bedrooms with full bath, an incredible Mother In Law/Guest Suite set up as bedroom sleeping 4-8 people with living area, with it's own driveway and private entrance and access to lanai, gorgeous bamboo flooring with inlayed Compass Rose and ceiling made of river recovered heart cypress, walk in closet designed as storm shelter, and full bath. Other features, outdoor kitchen and bar, 1 car garage with ample storage, double boat lift 20,000lb, 5 ft draft, 2 Ace 5,500lb davits, 100x10 concrete dock, Killer Dock brand fish cleaning station, commercial ice maker, and 5 min. Ride from the Ocean or Gulf, Fuel, Marina, and Tackle store, perfect for the avid fisherman. Wide canal, flow thru canal. This property is a boat lover, fisherman, and chef's Dream Home

More Information MLS# 616783

Contract Information

Current Price: $2,795,000 Listing Date: 2025-10-08 Listing Board: Key West Association List Price: $2,795,000 As is Rght to Inspct: Yes Species List: Yes

Location Tax Legal

Street #: 20844 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

General Property Description

Realtor.COM Type: Residential - Single Family Style: Single Family Waterfront: Yes Control Depth: 5 Pool: Yes Year Built: 1997 Lot Size: 100 x 125 Lot SqFt: 12500 Lot Sqft Source: Property Data Card Acres: 0.29 Living Apx SqFt: 2951 SqFt Source: Property Data Card Total Bedrooms: 4 Full Baths: 3 Total Baths: 3 Rentals Allowed: With Restrictions Min Rental Days: 28

Status Change Info

Status: Active

Association Info

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

Dockage

Dock Length: 100 Dock: Concrete Seawall: Concrete

Building Style

Above Flood: Yes

Vehicle Storage

Car(s): 4+

Pre-Wired

Other: Att fiber optics

Pool Info

Other: Hot tub w/waterfall Heated: Yes Dimensions: 14 x 28

Property Features

Fee Includes: Common Area Mnt; Other Tax Exemptions: Homestead Waterfront: Canal Front Waterview: Canal View Dockage: Boat Lift; Davits Property Condition: Updated/Remodeled Building Style: Ground Level Vehicle Storage: Garage; Attached; Auto Door Opener; Guest Parking; Off Street Parking; Open Parking; Trailer Storage Furnished: Negotiable Cooling: Ceiling Fans(s); Central Air Heating: Central; Propane Stove Utilities: Elect Separate Meter; FKAA; Municipal Sewer; Propane; Water Separate Meter Interior Features: Bar; Built-in Cabinets; Drapes/Blinds Incl; Entrance Foyer; Granite Counter Top; Smoke Alarms; Split Bedroom; Storage; Walk-in Closet(s); Wet Bar; Whirlpool Bath Tub; Window Treatments; Other Pre-Wired: Cable Specialty Rooms: Laundry Room Appliances: Dishwasher; Disposal; Dryer; Freezer; Ice Machine; Microwave; Oven; Range; Refrigerator; Stainless Steel Appliance(s); Washer; Wine Cooler Exterior Features: Bar; Built-in Grill; Fencing; Fruit Tree(s); Hot Tub; Lanai; Lighting; Outdoor Kitchen; Outdoor Shower; Privacy Wall/Fence; Rain Gutters; Sprinkler System; Storage; Water Display Accessibility Feat: Accessible Doors; Accessible Kitchen; Parking Pool Info: In Ground; Salt Water; Concrete; Decked; Screened In Construction: CBS; Concrete Floor: Tile; Wood Roof: Metal Roof Pets: Pets Allowed Neighborhood Feature: Community Boat Ramp; Other Area Features Security: Patrolled Area; Other Land Size: 1/4 - 1/2 Acre Terms: Cash; Conventional; FHA; VA Title: Negotiable GF-Interior Features: Programmable Thermst
Listing Office: Berkshire Hathaway HomeServices Knight & Gardner Realty
Last Updated: March - 02 - 2026
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