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$1,150,000

  • For Sale
  • Active
  • Single Family
  • 2 Beds
  • 2 Full Baths
  • 1,344 Sq. Ft.

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Open House: 10:00 AM - 12:00 PM

Saturday 7/4 10:00 AM - 12:00 PM

20868 W 5th Avenue,Cudjoe Key, FL 33042

20868 W 5th AvenueCudjoe KeyFL33042

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Welcome to your cozy coastal retreat in Cudjoe Gardens in the beautiful Florida Keys! This well maintained 2bedroom, 2bath CBS home offers 1,344 sq ft of comfortable island living with thoughtful upgrades throughout. Step inside to find custom cabinetry, adding both style and functionality to the home's inviting interior. Outside is where this property truly shines, featuring a private, small man made sandy beach, concrete seawall, and boat lift, making it a boater's dream with easy access to open water. Relax and entertain in true Keys fashion with a spacious patio, tiki hut, and outdoor shower Perfect after a day on the water. The garage provides added storage and convenience, while the cozy layout makes this home ideal as a full time residence, vacation getaway, or investment property. Located just minutes from Cudjoe Gardens Marina, local dining favorites, and world-class fishing and diving, this home offers the perfect blend of tranquility and adventure. Experience laid back coastal living at its finest your Keys escape awaits!

Full Property Details for 20868 W 5th Ave

General

  • Price: $1,150,000
  • HOA FEE: $75
  • Taxes: $3,999 (2025)
  • Status: Active
  • Type: Single Family
  • Source: 927
  • MLS ID: 619465
  • Updated: 6/9/2026
  • Added to Site: 80 day(s) ago

Interior

  • Interior Features: Workshop, Built-in Cabinets, Drapes/Blinds Incl, Granite Counter Top, Storage, Window Treatments
  • Appliances: Dishwasher, Dryer, Microwave, Oven, Range, Refrigerator, Washer
  • Flooring: Vinyl, Tile

Rooms

Bathrooms

  • Total Bathrooms: 2
  • Full Bathrooms: 2

Bedrooms

  • Total Bedrooms: 2

Other Rooms

  • Laundry: Laundry Room

Additional Information

  • Shared Amenities: Other Area Features

Exterior

  • Exterior Features: Chickee Hut, Fencing, Outdoor Shower, Sandy Beach
  • Deck/Patio: No Porch/Balcony, Patio
  • Porch/Patio/Deck: No Porch/Balcony, Patio

Parking

  • Garage: Yes
  • Parking Features: Open, Guest

Location

  • Area: 07 - Cudjoe Key
  • County: Monroe
  • Subdivision: Cudjoe Gardens (21.0)
  • Driving Directions: Drost Drive, right on 5th Ave. house is on the left side.

Community

  • Assoc. Fees Include: None
  • Pets Allowed: Yes

Heating & Cooling

  • Central air: Yes
  • Air Conditioning: Yes
  • Cooling Type: Central Air

Structural Information

  • Architectural Style: Above Flood
  • Construction: CBS
  • Roof: Metal
  • Windows/Doors: Awning Windows, Sliding Glass Doors, Shutters
  • Square Feet: 1,344
  • Sq. Ft. Source: Property Data Card
  • Year Built: 1995

Unit Information

  • Units in Building: 1

Lot Features

  • Property View: Canal
  • Lot Size (Acres): 0.18
  • Lot Size (Sq. Ft.): 8,000
  • Lot Dimensions: 80 x 100
  • 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
  • Tax Amount: $3,999.26
  • Tax Year: 2025
  • Terms: Cash, Conventional, VA Loan

Disclosures and Reports

  • Legal Description: Bk 20 Lt 9 Cudjoe Gardens Fifth And Seventh Addns Cudjoe Key Pb6-88 Or507-522 Or639-436 Or639-437 Or864-906 Or1051-1138
  • APN: 174634007200

Listed by Coldwell Banker Schmitt RE Co., Karen A Haack (305) 872-8056 and Coldwell Banker Schmitt RE Co., Halley Haack (305) 304-1456

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Listing agents

— 20868 W 5th Ave —

  • Karen A Haack

    Coldwell Banker Schmitt RE Co.

  • Halley Haack

    Coldwell Banker Schmitt RE Co.

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 20868 W 5th Ave

School District:Monroe County School District, Middle Torch Key, FL
NameGradesDistance
Sugarloaf School
255 Crane Boulevard, Summerland Key, FL 33042
PK-81.4 mi
Key West High School
2100 Flagler Avenue, Key West, FL 33040
9-1218.4 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 20868 W 5th Ave Get Price Alerts and Save Property

Date
Details
Price
Change
Source
6/09/2026
Price Reduced
$1,150,000
-8%
MLS
4/13/2026
Listed
$1,250,000
180.9%
MLS
9/19/2011
Sold
$445,000
—
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 20868 W 5th Ave

Year
Property Taxes
Change
Tax Assessment
Change
2025
$3,999
5%
$402,934
3%
2024
$3,801
5%
$391,579
3%
2023
$3,626
—
$380,174
6%
2021
$3,610
2%
$358,351
-3%
2022
$3,530
-2%
$369,101
4%
2021
$3,610
2%
$353,404
2%
2019
$3,524
—
$345,459
2%
2018
$3,538
3%
$339,018
2%
2017
$3,442
-1%
$332,046
2%
2016
$3,460
-3%
$325,217
1%
2015
$3,554
-3%
$322,956
1%
2014
$3,654
-7%
$320,393
8%
2013
$3,942
—
$296,531
—
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.

Estimate the Cost for 20868 W 5th Ave

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*These costs are estimates, and the interest rates assume exceptional credit standing.

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Listed by Coldwell Banker Schmitt RE Co., Karen A Haack (305) 872-8056 and Coldwell Banker Schmitt RE Co., Halley Haack (305) 304-1456

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20868 W 5th Avenue, Cudjoe Key, FL 33042 (MLS# 619465) is a Single Family property with 2 bedrooms and 2 full bathrooms. 20868 W 5th Avenue is currently listed for $1,150,000 and was received on April 13, 2026. Want to learn more about 20868 W 5th 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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