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$2,995,000
20920 5th Avenue
Cudjoe Key, FL 33042
MLS# 618526
4 beds  |  3 baths  |  2913 sqft


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Open House (02/22/2026 - 2:00 pm - 5:00 pm)

Property 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.

Details
Maps
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 - 08 - 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.