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$1,270,000
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Property Description
Florida Keys Living at Its Best! Welcome to 174 Tortuga Lane, a beautifully maintained waterfront home in the heart of Cudjoe Key, where world-class fishing, boating, and island living are in your backyard. With 37 feet of dockage, you'll have quick access to the Atlantic, backcountry waters, and some of the best fishing the Florida Keys has to offer. Built in 2020 for peace of mind and low-maintenance ownership, this 3-bedroom, 2-bath home features impact windows and doors, HardiePlank siding, Trex decking, aluminum railings, and a 180-mph wind rating. Inside, you'll find a bright, coastal-inspired interior with 9-foot ceilings, luxury vinyl plank flooring, an open-concept living area, spacious eat-in kitchen, pantry, separate laundry room, and a comfortable primary suite with walk-in closet and oversized bath. The fabulous outdoor space is where this property shines. Since the home was built, a stunning concrete pool was added in 2022, creating the perfect place to cool off after a day on the water. Relax under the new tiki hut, rinse off in the outdoor shower, challenge friends and family on the putting green, or simply enjoy the constant ocean breezes and beautiful open water views across the street. The oversized fenced lot offers plenty of room to spread out, while the covered front porch and legal downstairs storage provide additional functionality. There's even 50-amp service for an RV or electric vehicle charger. Whether you're looking for a full-time residence, vacation home, or Keys getaway, 174 Tortuga Lane delivers the boating lifestyle, outdoor amenities, and island charm that make the Florida Keys so special.
Full Property Details
Full Property Details for 174 Tortuga Ln
General
- Price: $1,270,000
- Taxes: $10,245 (2025)
- Status: Active
- Type: Single Family
- Source: 927
- MLS ID: 620186
- Updated: 7/24/2026
- Added to Site: 123 day(s) ago
Interior
- Interior Features: Walk-in Closet(s), Built-in Cabinets, Quartz Countertops, Smoke Alarms
- Appliances: Stainless Steel Appliance(s), Dishwasher, Ice Machine, Microwave, Range, Refrigerator
- Flooring: Vinyl
Rooms
Bathrooms
- Total Bathrooms: 2
- Full Bathrooms: 2
Bedrooms
- Total Bedrooms: 3
Additional Information
- Pool: Yes
- Pool Description: Concrete, In Ground
Exterior
- Exterior Features: Chickee Hut, Fencing, Outdoor Shower, Sprinkler System, Storage
- Deck/Patio: Open Porch/Balcony
- Porch/Patio/Deck: Open Porch/Balcony
Parking
- Parking Features: Open, Off Street, Covered
Location
- Area: 07 - Cudjoe Key
- County: Monroe
- Subdivision: Cutthroat Harbor Est (23.0)
Community
- Assoc. Fees Include: None
- Pets Allowed: Yes
Heating & Cooling
- Central air: Yes
- Air Conditioning: Yes
- Cooling Type: Central Air, Ceiling Fans(s)
- Heating Type: Central
Structural Information
- Architectural Style: Above Flood
- Construction: Hardi Board Siding, Modular
- Roof: Metal
- Windows/Doors: Impact Rstnce Doors, Impact Rstnce Window, Sliding Glass Doors
- Square Feet: 1,320
- Sq. Ft. Source: Tax Records
- Year Built: 2020
Lot Features
- Property View: Canal
- Lot Size (Acres): 0.17
- Lot Size (Sq. Ft.): 7,471
- Lot Dimensions: 102 x 67 x 96 irreg
- Zoning: IS - Improved Subivision District
Water Features
- Water Front: Yes
- Water View: Yes
- Water Front Desc.: Canal Front
Financial Considerations
- Tax Amount: $10,245.35
- Tax Year: 2025
- Terms: Cash, Conventional, VA Loan, FHA
Disclosures and Reports
- Legal Description: Bk 12 Lt 1 Cutthroat Harbor Estates Cudjoe Key Pb4-165 Or486-836/37 Or1125-1599 Or1438-1349 Or2260-229 Or2396-1775/76 Or
- Flood Zone: AE, VE
- APN: 179080000000
Listed by eXp Realty LLC, Sarah Bixby (916) 995-1873
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Schools
Schools serving 174 Tortuga Ln
School District:Monroe County School District, Middle Torch Key, FL
| Name | Grades | Distance |
|---|---|---|
Sugarloaf School 255 Crane Boulevard, Summerland Key, FL 33042 | PK-8 | 2.8 mi |
Key West High School 2100 Flagler Avenue, Key West, FL 33040 | 9-12 | 19.8 mi |
Disclaimer:
School attendance boundaries provided by ATTOM Data Solutions and are for reference only. Contact the school directly to verify enrollment eligibility.
Price & Sales History for 174 Tortuga Ln
Date
Details
Price
Change
Source
7/24/2026
Price Reduced
$1,270,000
-8.63%
MLS
6/05/2026
Listed
$1,390,000
129.75%
MLS
7/10/2020
Sold
$605,000
—
Public Record
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Tax History
Tax History for 174 Tortuga Ln
Year
Property Taxes
Change
Tax Assessment
Change
2025
$10,245
11%
$1,083,742
9%
2024
$9,253
10%
$997,036
10%
2023
$8,440
72%
$907,747
81%
2021
$4,918
3%
$501,776
-3%
2022
$4,784
-3%
$516,829
225%
2021
$4,918
188%
$159,044
5%
2019
$1,709
15%
$151,915
34%
2018
$1,490
2%
$113,493
-29%
2017
$1,467
15%
$159,172
44%
2016
$1,276
10%
$110,734
30%
2015
$1,164
24%
$85,269
-4%
2014
$936
-30%
$88,624
-27%
2013
$1,343
—
$121,462
—
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Estimate the Cost
Estimate the Cost for 174 Tortuga Ln
174 Tortuga Lane, Cudjoe Key, FL 33042 (MLS# 620186) is a Single Family property with 3 bedrooms and 2 full bathrooms. 174 Tortuga Lane is currently listed for $1,270,000 and was received on June 05, 2026. Want to learn more about 174 Tortuga Lane? Do you have questions about finding other Single Family real estate for sale in Cudjoe Key? You can browse all Cudjoe Key real estate or contact a Coldwell Banker agent to request more information.

