# 20868 W 5th Avenue, Cudjoe Key, FL 33042

> **TL;DR:** 2bd/2ba single family, $1,250,000 ($930/sqft), built 1995, 1,344 sqft.
> Waterfront, A/C. Est. $5,492/mo. Listed 49 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $1,250,000 |
| Price/sqft | $930 |
| Bedrooms | 2 |
| Bathrooms | 2 full |
| Square Feet | 1,344 |
| Year Built | 1995 |
| Lot Size | 7,841 sqft (0.18 acres) |
| Stories | 1 |
| Property Type | Single Family (Single Family Residence) |
| Status | For Sale |
| Days on Market | 49 |

## Why This Home Stands Out

- **Waterfront** - Direct water access

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Mortgage (20% down, 6.5%) | $5,417 |
| HOA | $75 |
| **Total** | **$5,492** |

## Key Amenities

- Waterfront
- A/C

## Property Highlights

- Built in 1995
- 0.18 acre lot
- Waterfront

## Description

### Agent 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!

## Location

- **Address:** 20868 W 5th Avenue, Cudjoe Key, FL 33042
- **County:** Monroe
- **Neighborhood:** Cudjoe Gardens (21.0)
- **Coordinates:** 24.660763, -81.508098
- **Google Maps:** https://www.google.com/maps?q=24.660763,-81.508098

## Virtual Tour & Media

- **Video Tour:** https://idx.paradym.com/idx/20868-W-5th-Avenue-Cudjoe-FL-33042/4964727/

## Listing Agent

- **Name:** Karen A Haack
- **Brokerage:** Coldwell Banker Schmitt RE Co.
- **Phone:** 3058728056
- **Email:** keyskaren@aol.com

## Primary Photo

![20868 W 5th Avenue - Primary Photo](http://lh.rdcpix.com/836a8cd317a1aef15752e3c2ad363be2l-f3006942414r.jpg)

*45 total photos available on [listing page](https://www.propertysimple.com/listing/20868-w-5th-avenue-cudjoe-key-fl-33042-l619465)*

---

**MLS#:** 619465 | **Updated:** 2026-06-18
**Source:** listhub

*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.*

[View on PropertySimple](https://www.propertysimple.com/listing/20868-w-5th-avenue-cudjoe-key-fl-33042-l619465)

---

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