About This Home

This 2-bedroom, 2-bathroom single family at 20868 W 5th Avenue in Cudjoe Key, FL is listed for $1,150,000 ($856 per sqft). Built in 1995, the home offers 1,344 sqft of living space on a 0.18 acres lot.

Key Features

  • Built in 1995
  • 0.18 acre lot
  • Waterfront

Property Details

1 story
2 full
1995

Amenities

WaterfrontA/C
Listing Description

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!

Monthly Cost Estimate

$6,225/mo

20% down · 6.5% · 30 years

Principal$832
Interest$4,983
Insurance$335
HOA$75

Estimates only. Actual payments may vary.

Location

20868 W 5th Avenue

Cudjoe Key, FL 33042

Cudjoe Gardens (21.0)

Features & Amenities

Interior Features

Built-in CabinetsGranite Counter TopStorageWindow Treatments

Exterior Features

Chickee HutFencingOutdoor ShowerSandy Beach

Property Details

Flooring

VinylTile

Construction

CBS

Outdoor Features

PorchPatio

Parking

Open

Cooling

Central Air

Appliances

WasherDryerDishwasherRefrigeratorRangeOvenMicrowave

Questions & Answers

This 2-bedroom, 2-bathroom single family at 20868 W 5th Avenue is listed at $1,150,000 ($856/sqft). The estimated monthly payment is $6,225 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance, HOA fees.

HOA fees are $75/month.

Key features include: Built in 1995, 0.18 acre lot, Waterfront. Interior Features: Built-in Cabinets, Granite Counter Top, Storage. Exterior Features: Chickee Hut, Fencing, Outdoor Shower.

This property is listed by Karen A Haack.

KH

Karen A Haack

License 338219

Agent at Coldwell Banker Schmitt Real Estate Co

Listed by Coldwell Banker Schmitt Real Estate Co · Broker phone: (305) 923-2275 · View on Broker Site · Broker website

MLS# 619465· Source: Marathon and Lower Keys Association of Realtors· 200 days on PropertySimple

Copyright © 2026 Marathon and Lower Keys Association of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

20868 W 5th Avenue, Cudjoe Key, FL 33042

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