20833 W 4Th Avenue, Cudjoe Key, FL 33042

About this home

Welcome to one of Cudjoe Gardens' most desirable waterfront addresses Built in 2018, 20833 4th Avenue West is an exceptional CBS waterfront estate offering 4 bedrooms, 3 bathrooms, and more than 2,400 square feet of thoughtfully designed living space. Perfectly positioned on an oversized waterfront lot, this home combines outstanding boating amenities, resort-style outdoor living, and remarkably affordable insurance costs. One of the property's most impressive features is its combined flood, wind, and homeowners insurance, totaling less than $5,500 per year--an extraordinary value for a waterfront home of this caliber in the Florida Keys. Designed with boaters in mind, the property offers approximately 100 feet of concrete dockage along a wide flow-through canal with deep-water access and quick routes to both the Gulf of Mexico and Atlantic Ocean. Two boat lifts, including a 10,000-pound and 14,000-pound lift, provide ample capacity for multiple vessels, making it easy to keep your boats protected and ready for your next fishing, diving, or boating adventure.The backyard is a private tropical retreat centered around a stunning 50-foot resort-style swimming pool heated/chilled Whether you're swimming laps, entertaining guests, or simply relaxing in the Florida sunshine, this outdoor space was designed to impress. A custom tiki bar, outdoor kitchen, waterfront pergola, and expansive entertaining decks create the perfect setting for hosting family and friends while enjoying beautiful waterfront views. Inside, the open-concept floor plan is filled with natural light and designed to capture water views throughout the home. High ceilings, spacious living areas, and modern coastal finishes create an atmosphere that is both elegant and comfortable. The seamless transition between indoor and outdoor living makes this home ideal for embracing the laid-back Florida Keys lifestyle.Located within the sought-after Cudjoe Gardens community, and nearby marina

Property details

Property Type

Single Family Residence

Year Built

2018

Lot Size

11,735 sq ft

HOA

$75/mo

Annual Taxes

$14,922/yr

Subdivision

Cudjoe Gardens (21.0)

Days on Market

93

Listed

June 14, 2026

MLS #

620277

Location