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$2,795,000 Contingent

  • For Sale
  • Contingent
  • Single Family
  • 4 Beds
  • 3 Full Baths
  • 2,951 Sq. Ft.
  • Updated 19 hours ago
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FISHERMAN'S DREAM! BIG BOATS WELCOME! DEEP WATER! LARGE WATERFRONT HOME 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

Full Property Details for 20844 W 4th Ave

General

  • Price: $2,795,000
  • HOA FEE: $6/month
  • HOA FEE FREQ.: Yearly
  • Taxes: $21,893 (2025)
  • Status: Contingent
  • Type: Single Family
  • Source: 927
  • MLS ID: 619299
  • Updated: 5/13/2026
  • Added to Site: 44 day(s) ago

Interior

  • Interior Features: Entrance Foyer, Walk-in Closet(s), Bar, Built-in Cabinets, Drapes/Blinds Incl, Granite Counter Top, Pantry, Smoke Alarms, Split Bedroom, Storage, Wet Bar, Whirlpool Bath Tub, Window Treatments, Other, Smart Thermostat
  • Appliances: Stainless Steel Appliance(s), Dishwasher, Disposal, Dryer, Freezer, Gas Appliances, Ice Machine, Microwave, Oven, Range, Refrigerator, Washer, Wine Cooler
  • Flooring: Wood, Tile

Rooms

Bathrooms

  • Total Bathrooms: 3
  • Full Bathrooms: 3

Bedrooms

  • Total Bedrooms: 4

Other Rooms

  • Laundry: Laundry Room

Additional Information

  • Shared Amenities: Other Area Features, Community Boat Ramp
  • Pool: Yes
  • Pool Description: Concrete, Heated, Salt Water, In Ground, Decked, Screened In
  • Security/Safety: Other, Patrolled Area

Exterior

  • Exterior Features: Rain Gutters, Lighting, Bar, Built-in Grill, Fencing, Fruit Tree(s), Hot Tub, Lanai, Outdoor Kitchen, Outdoor Shower, Privacy Wall/Fence, Sprinkler System, Storage, Water Display
  • Deck/Patio: Screened Patio, Open Porch/Balcony, Patio, Screened
  • Porch/Patio/Deck: Screened Patio, Open Porch/Balcony, Patio, Screened

Parking

  • Garage: Yes
  • Attached garage: Yes
  • Parking Features: Open, Guest, Off Street, Attached, Garage Door Opener

Location

  • Area: 07 - Cudjoe Key
  • County: Monroe
  • Subdivision: Cudjoe Gardens (21.0)
  • Driving Directions: Overseas Hwy to Cudjoe Gardens, turn onto Drost, turn right onto 4th W, house on left.

Community

  • Assoc. Fees Include: Other, Common Area Mnt
  • Pets Allowed: Yes

Heating & Cooling

  • Central air: Yes
  • Air Conditioning: Yes
  • Cooling Type: Central Air, Ceiling Fans(s)
  • Heating Type: Central, Electric, Propane Stove

Structural Information

  • Architectural Style: Above Flood
  • Construction Status: Updated/Remodeled
  • Construction: CBS, Concrete
  • Roof: Metal
  • Windows/Doors: Glass Doors, Impact Rstnce Doors, Impact Rstnce Window, Sliding Glass Doors
  • Square Feet: 2,951
  • Sq. Ft. Source: Tax Records
  • Year Built: 1997
  • Property Condition: Updated/Remodeled

Lot Features

  • Property View: Canal
  • Lot Size (Acres): 0.29
  • Lot Size (Sq. Ft.): 12,500
  • Lot Size Source: Property Data Card
  • Lot Dimensions: x
  • Zoning: IS - Improved Subivision District

Water Features

  • Water Front: Yes
  • Water View: Yes
  • Water Front Desc.: Canal Front

Financial Considerations

  • Association Fee: Yes
  • Association Fee: $75
  • Assoc Fee Freq.: Yearly
  • Tax Amount: $21,893.66
  • Tax Year: 2025
  • Terms: Cash, Conventional, VA Loan, FHA

Disclosures and Reports

  • Legal Description: BK 21 LT 7 CUDJOE GARDENS EIGHTH ADDITION PB7-16 OR1272-492/94PET OR1282-2179/82/TR OR1318-1404/06 OR1320-2251/53 OR1356
  • Flood Zone: AE
  • APN: 00174635-000700

Listed by Berkshire Hathaway HomeServices Knight & Gardner Realty, Stacey Nash Pillari (305) 906-0144

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Listing agent

— 20844 W 4th Ave —

  • Stacey Nash Pillari

    Berkshire Hathaway HomeServices Knight & Gardner Realty

Get Pre-Approved Today

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Schools serving 20844 W 4th Ave

School District:Monroe County School District, Middle Torch Key, FL
NameGradesDistance
Sugarloaf School
255 Crane Boulevard, Summerland Key, FL 33042
PK-81.5 mi
Key West High School
2100 Flagler Avenue, Key West, FL 33040
9-1218.6 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 20844 W 4th Ave Get Price Alerts and Save Property

Date
Details
Price
Change
Source
4/01/2026
Listed
$2,795,000
7.54%
MLS
8/25/2022
Sold
$2,599,000
—
Public Record
Get Price Alerts and Save Property
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 for 20844 W 4th Ave

Year
Property Taxes
Change
Tax Assessment
Change
2024
$21,976
—
$2,431,616
-6%
2024
$21,976
11%
$2,581,726
15%
2023
$19,744
203%
$2,243,765
232%
2021
$6,506
3%
$675,889
-3%
2022
$6,306
-3%
$696,165
4%
2021
$6,506
2%
$666,558
2%
2019
$6,360
—
$651,572
2%
2018
$6,381
2%
$637,074
2%
2017
$6,226
-1%
$626,271
2%
2016
$6,271
-3%
$613,390
1%
2015
$6,446
-3%
$609,126
1%
2014
$6,654
-1%
$604,292
2%
2013
$6,720
—
$592,775
—
View All
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

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NMLS#: 1598647

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Listed by Berkshire Hathaway HomeServices Knight & Gardner Realty, Stacey Nash Pillari (305) 906-0144

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20844 W 4th Avenue, Cudjoe Key, FL 33042 (MLS# 619299) is a Single Family property with 4 bedrooms and 3 full bathrooms. 20844 W 4th Avenue is currently listed for $2,795,000 and was received on April 01, 2026. Want to learn more about 20844 W 4th Avenue? 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.

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