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$2,800,000
Cudjoe Key, FL 33042
MLS# 619615
4 beds | 4 baths | 3286 sqft
1 / 70
Property Description
SPECIAL DAILY TRANSIENT LICENSE!!! Experience one of the Lower Keys' rarest offerings at 21640 Overseas Highway,an extraordinary 1.2 acre open-water estate with panoramic ocean views, resort style amenities, and true investment upside. Opportunities like this almost never come to market from Key West to Summerland. With 3,286 sq ft per appraisal, this 4-bedroom waterfront residence delivers the scale, privacy, and setting luxury buyers search for but rarely find. From the moment you enter, the home is designed around the water. Expansive living areas, soaring ceilings, and oversized windows frame endless blue views while natural light fills the interior. The spacious layout offers multiple entertaining zones, generous bedroom suites, and the kind of footprint that allows a buyer to enjoy immediately or elevate into a signature Keys showplace. Outside is where this property separates itself from nearly everything else on the market. The massive parcel creates room to breathe, entertain, and enjoy waterfront living on a level almost impossible to replicate today. A private pool, sandy beach area, dockage, mature tropical grounds, and open-water backdrop combine to create a true resort atmosphere. Sunrise coffee, sunset cocktails, paddleboarding, boating, and stargazing all happen from your own backyard. Under the home, an immense garage / storage / workshop space offers rare functionality for collectors, boating gear, vehicles, trailers, hobbies, or business use. Very few waterfront homes in the Keys offer this level of usable enclosed space. For investors, this property's transient rental license potential is a major value driver. Large open-water estates with acreage and premium amenities command exceptional demand in the vacation market. With the right presentation and management plan, this is the type of asset that can serve as both a personal retreat and a high-performing income property. Lets take a look!!!
Details
Maps
Contract Information
Listing Board: Key West Association
Bank Owned: No
Current Price: $2,800,000
Listing Date: 2026-04-23
List Price: $2,800,000
Location, Tax & Legal
City: Cudjoe
Mile Marker: 21
Marathon Neighborhood: N/A
Side: Ocean
Alternate Key #: 1226891
Parcel #: 00174830000000
Zoning: URM - Urban Res Mobile Home District
Deed Restrictions: Unknown
Legal: Sacarma Pb2-48 Cudjoe Key Lot 18 And Adj Btm Or7-445 Or218-356(Ii Deed 22794) Or392-164/165 Or839-2255 Or840-498C Or874-
Taxes: 17431.92
Tax Year: 2025
Pub Sewer HkUp: Yes
Street #: 21640
Street Name: Overseas
Street Suffix: Highway
Key/Island: Cudjoe Key
State/Province: FL
Zip Code: 33042
County: Monroe
Subdivision: Sacarma (21.0)
Area: 07 - Cudjoe Key
General Property Description
Realtor.COM Type: Residential - Single Family
Waterfront: Yes
Control Depth: 2
Lot Size: X
Lot SqFt: 31250
Pool: Yes
Lot Sqft Source: Property Data Card
Acres: 1.17
SqFt Source: Appraisal
Rentals Allowed: Yes
Style: Single Family
Year Built: 1985
Living Apx SqFt: 3286
Total Bedrooms: 4
Full Baths: 4
Total Baths: 4
Remarks & Misc
Remarks – Consumer: SPECIAL DAILY TRANSIENT LICENSE!!!
Experience one of the Lower Keys' rarest offerings at 21640 Overseas Highway,an extraordinary 1.2 acre open-water estate with panoramic ocean views, resort style amenities, and true investment upside. Opportunities like this almost never come to market from Key West to Summerland. With 3,286 sq ft per appraisal, this 4-bedroom waterfront residence delivers the scale, privacy, and setting luxury buyers search for but rarely find.
From the moment you enter, the home is designed around the water. Expansive living areas, soaring ceilings, and oversized windows frame endless blue views while natural light fills the interior. The spacious layout offers multiple entertaining zones, generous bedroom suites, and the kind of footprint that allows a buyer to enjoy immediately or elevate into a signature Keys showplace.
Outside is where this property separates itself from nearly everything else on the market. The massive parcel creates room to breathe, entertain, and enjoy waterfront living on a level almost impossible to replicate today. A private pool, sandy beach area, dockage, mature tropical grounds, and open-water backdrop combine to create a true resort atmosphere. Sunrise coffee, sunset cocktails, paddleboarding, boating, and stargazing all happen from your own backyard.
Under the home, an immense garage / storage / workshop space offers rare functionality for collectors, boating gear, vehicles, trailers, hobbies, or business use. Very few waterfront homes in the Keys offer this level of usable enclosed space.
For investors, this property's transient rental license potential is a major value driver. Large open-water estates with acreage and premium amenities command exceptional demand in the vacation market. With the right presentation and management plan, this is the type of asset that can serve as both a personal retreat and a high-performing income property. Lets take a look!!!
Association Info
Mandatory Home Owners Asc: No
1st Right of Refusal: No
Association Fee $: 0
License Info
# of City License: 1
Transient Rntl Licns: Yes
Fee Includes
None: 1
Dockage
Dock: Wood
Tax Exemptions
None: 1
Appliances
Dishwasher: 1
Disposal: 1
Dryer: 1
Freezer: 1
Oven: 1
Range: 1
Refrigerator: 1
Washer: 1
Pets
Pets Allowed: 1
Cooling
Attic Fan: 1
Ceiling Fans(s): 1
Central Air: 1
Heat Pump: 1
Waterfront
Oceanfront: 1
Open Water: 1
Waterview
Ocean View: 1
Open Water View: 1
Floor
Combo: 1
Interior Features
Built-in Cabinets: 1
Cathedral Ceilings: 1
Dade County Pine: 1
Fireplace(s): 1
Granite Counter Top: 1
Smoke Alarms: 1
Walk-in Closet(s): 1
Whirlpool Bath Tub: 1
Other: 1
Property Condition
Updated/Remodeled: 1
Specialty Rooms
Other: 1
Building Style
Above Flood: Unknown
Stilt Column Height: Tall - 10Ft & Over
Stories: 2 Stories
Windows/Doors
Aluminum Windows: 1
Sliding Glass Doors: 1
Vehicle Storage
Car(s): 4+
Covered Parking: 1
Garage: 1
Guest Parking: 1
RV Parking Covered: 1
Airplane Hanger: 1
Assigned Parking: 1
Construction
Hardi Board Siding: 1
Land Size
1 Less Than 2 Acres: 1
Furnished
Furnished: 1
Utilities
FKAA: 1
Municipal Sewer: 1
Porch/Balcony
Deck: 1
Patio: 1
Screened P/B: 1
Screened Patio: 1
Title
Negotiable: 1
Exterior Features
Chickee Hut: 1
Hot Tub: 1
Privacy Wall/Fence: 1
Sandy Beach: 1
Storage: 1
Pool Info
In Ground: 1
Roof
Metal Roof: 1
Financial Status
Bank Owned: No
Status Change Info
Status: Active
Property Features
Fee Includes: None
Tax Exemptions: None
Waterfront: Oceanfront; Open Water
Waterview: Ocean View; Open Water View
Property Condition: Updated/Remodeled
Vehicle Storage: Garage; Airplane Hanger; Assigned Parking; Covered Parking; Guest Parking; RV Parking Covered
Furnished: Furnished
Cooling: Attic Fan; Ceiling Fans(s); Central Air; Heat Pump
Utilities: FKAA; Municipal Sewer
Interior Features: Built-in Cabinets; Cathedral Ceilings; Dade County Pine; Fireplace(s); Granite Counter Top; Smoke Alarms; Walk-in Closet(s); Whirlpool Bath Tub; Other
Specialty Rooms: Other
Appliances: Dishwasher; Disposal; Dryer; Freezer; Oven; Range; Refrigerator; Washer
Exterior Features: Chickee Hut; Hot Tub; Privacy Wall/Fence; Sandy Beach; Storage
Pool Info: In Ground
Construction: Hardi Board Siding
Floor: Combo
Roof: Metal Roof
Pets: Pets Allowed
Land Size: 1 Less Than 2 Acres
Title: Negotiable
Listing Office: Key West Luxury Real Estate Inc (KW)
Last Updated: April - 23 - 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.