$3,275,000
SOLD OCT 28, 2025

20816 4th Ave W Cudjoe Key, FL 33042

5 Beds
4 Baths
3,817 Sq Ft
0.38 Acres

Recently Sold

$858 Per Sq Ft

32% Below List Price

206 Days on Market

About This Home

As of October 2025

LUXURY COLLECTION WATERFRONT ESTATE in the prestigious Cudjoe Gardens. A STUNNING TURNKEY PARADISE, SOLD AS IS WITH HIGH END DESIGNER FURNISHINGS & DECOR FROM RESTORATION HARDWARE, POTTERY BARN, & SERENA AND LILY. ALSO 2 HOBIE CATS. This Custom Built Home with a total of 5,373sf under roof is a masterpiece blending luxurious design with the serene beauty of the Florida Keys. Built on a sprawling waterfront ELEVATED corner lot of 16,500sf with 260FT of water frontage and deep draft. This gorgeous property offers an unparalleled tropical lifestyle, perfect for those who demand the best in comfort and elegance.Property Highlights4 Bedrooms + 5th Bedroom/office, Spacious, sunlit rooms designed for relaxation and productivity, including a versatile office or creative studio space which could be a 5th Bedroom.4 Full Bathrooms: Impeccably designed with high-end fixtures and finishes.Gourmet Kitchen: A chef's dream, featuring state-of-the-art appliances, custom cabinetry, and expansive Quartz countertops ideal for entertaining.Imported Italian & Moroccan Flooring: Stunning, high-quality flooring that enhances the luxurious ambiance throughout.12-16 Ft Ceilings: Create an open, airy feel while showcasing architectural sophistication.Saltwater Pool: Dive into the generously sized, chilled & heated concrete pool with water feature, lights and lounging platformOutdoor Kitchen: Stainless Steel Appliances, Spacious layout, Perfect for entertaining.2 Boat Lifts, 20k and 10kAdditional Amenities3 A/C Units: Individually climate-controlled zones, including the 3-car garage for comfort and convenience.Full Property Generator, 1000 gallon Propane Tank, Full Security System, Phantom SunShades for Screened in PorchThis meticulously designed property combines sophisticated interiors with exceptional outdoor living spaces. Located in a prime area of Cudjoe Key, this home offers privacy, stunning water views, and direct access to the pristine waters of the Lower K

Last Agent to Sell the Property

Stacey Pillari

Berkshire Hathaway HomeServices Knight & Gardner Realty License #SL3426914 Listed on: 12/08/2024

Berkshire Hathaway HomeServices Knight & Gardner Realty

Last Buyer's Agent

Stacey Pillari

Berkshire Hathaway HomeServices Knight & Gardner Realty License #SL3426914 Listed on: 12/08/2024

Berkshire Hathaway HomeServices Knight & Gardner Realty

Home Details

Home Type

Single Family

Est. Annual Taxes

$16,469

Year Built

2021

Lot Details

0

Listing Details

  • Property Type: Residential
  • Style: Single Family
  • As Is Right To Inspect: No
  • First Right of Refusal: No
  • Association Approval Required: No
  • Mandatory HOA: No
  • Voluntary HOA: Yes
  • Dockage Dock: Concrete
  • Dockage Seawall: Concrete
  • Fee Includes: None
  • Handicap Access: Yes
  • Key Island: Cudjoe Key
  • Limited Representation: No
  • Marathon Neighborhood: N/A
  • Mile Marker: 21.00
  • Min Rental Days: 28.00
  • M L S Identifier: 20060123165453488875000000
  • Off Shore Island: No
  • Pets: Pets Allowed
  • Property Group I D: 19990816212109142258000000
  • Sale Terms: Cash
  • Side: Ocean
  • State Province: FL
  • Taxes: 16469.46
  • Title: Title Ins - Buyer
  • Vehicle Storage: Garage, Trailer Storage, RV Parking Open, Off Street Parking, Guest Parking, Auto Door Opener, Attached
  • Vehicle Storage Cars: 4+
  • Year Built: 2021
  • Alternate Key Number: 8566387
  • Building Style: Ground Level
  • Cooling Heating: Central Air, Ceiling Fans(s)
  • Lot Sq Ft: 16500.00
  • Pool Info: In Ground, Decked, Concrete, Salt Water
  • Pool Info Heated: Yes
  • Porch Balcony: Deck, Screened Patio
  • Species List: No
  • Tax Exemptions: Homestead
  • Building Style Above Flood: Yes
  • Estimated Living Sq Ft: 3817.00
  • Pool Info Other: Cooler
  • Pre Wired: Surround Sound
  • Pre Wired Other: Cat 6
  • G F Interior Features: Tankless Hot Wtr Htr, LED Lighting, Programmable Thermst
  • Property Condition: New Construction
  • Sewer Hook Up: Yes
  • Statistical Purposes Only: No
  • Special Features: NewHome
  • Property Sub Type: Detached

Interior Features

  • Interior Amenities: Drapes/Blinds Incl, Built-in Cabinets, Quartz Countertops, Tray Ceilings, Bar, Window Treatments, Other, Walk-in Closet(s), Storage, Smoke Alarms, Security System, Entrance Foyer, Pantry, Split Bedroom, Cathedral Ceilings, Wet Bar
  • Total Bathrooms: 4.00
  • Full Bathrooms: 4
  • Appliances: More Appliances, Stainless Steel Appliance(s), Wine Cooler, Ice Machine, Freezer, Microwave, Oven, Range, Refrigerator, Dishwasher, Dryer, Washer
  • Floor: Tile
  • Specialty Rooms: Laundry Room, Other
  • Windows/Doors: Glass Doors, Impact Rstnce Window, Impact Rstnce Doors, Sliding Glass Doors
  • Appliances Other: On Demand Hot Water
  • Total Bedrooms: 5
  • Accessibility Features: Accessible Doors, Parking
  • Sq Ft Remarks: Living Area 3817sf plusFinished Garage 782sf andScreened Porch Finished 774sf

Exterior Features

  • Dockage: Boat Lift
  • Waterfront: Canal Front
  • Waterfront: Yes
  • Construction: CBS, Concrete
  • Exterior Features: Built-in Grill, Water Display, Storage, Outdoor Kitchen, Lighting, Fruit Tree(s), Fencing
  • Roof: Metal Roof
  • Waterview: Canal View
  • Pool: Yes

Utilities

  • Security: On Premises System
  • Utilities: FKAA, Propane, Elect Separate Meter, Water Separate Meter, Whole House Generatr, Municipal Sewer
  • Heating: Central

Lot Info

  • Deed Restrictions: Unknown
  • Flood Zone: AE
  • Parcel Number: 00174635-000900
  • Land Size: 1/4 - 1/2 Acre
  • Acres: 0.38

Rental Info

  • Rentals Allowed: With Restrictions
  • Furnished: Furnished

Tax Info

  • Tax Year: 2023

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Dec 8, 2024
Closed on
Oct 28, 2025
Sold by
Rust Johan E and Trust Agreement Of John E Rust
Bought by
Correa Miguel Angel and Keller Catherine Bellah
Seller's Agent
Stacey Pillari
Berkshire Hathaway HomeServices Knight & Gardner Realty
Buyer's Agent
Stacey Pillari
Berkshire Hathaway HomeServices Knight & Gardner Realty
List Price
$4,799,000
Sold Price
$3,275,000
Premium/Discount to List
-$1,524,000
-31.76%
Views
106

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
124.92%

Purchase Details

Listed on
Sep 17, 2018
Closed on
Feb 22, 2019
Sold by
Yi Zheng
Bought by
Trust Agreement Of Johan E Rus
Seller's Agent
Ann Wang
Sunshine State Realty Services
Buyer's Agent
Sandra Tuttle
American Caribbean Real Estate Lower Keys
List Price
$450,000
Sold Price
$430,000
Premium/Discount to List
-$20,000
-4.44%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
35.46%
Original Mortgage
$1,664,578
Interest Rate
4.4%
Mortgage Type
Purchase Money Mortgage

Purchase Details

Closed on
Mar 1, 2017
Sold by
Baker Bradley K and Baker Loretta A
Bought by
Yi Sheng

Purchase Details

Closed on
Aug 4, 2000
Sold by
Ann M Stevenson Tr
Bought by
Baker Bradley K and Baker Loretta A

Purchase Details

Closed on
Jun 17, 1996
Sold by
Johnson Ewel W and Johnson Rachel
Bought by
Steveson Ann M

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$63,675
Interest Rate
7.94%
Mortgage Type
Balloon
Source: Public Records

Range of Values:

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Average Value
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List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area

Source: Public Records

Purchase History

Date Type Sale Price Title Company
Warranty Deed $430,000 None Listed On Document
Warranty Deed $430,000 None Listed On Document
Warranty Deed $275,000 Attorney
Warranty Deed $95,000 --
Warranty Deed $85,000 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $1,664,578 Purchase Money Mortgage
Closed $1,664,578 Purchase Money Mortgage
Previous Owner $63,675 Balloon
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
10/28/2025 10/28/25 Sold $3,275,000 -9.0% $858 / Sq Ft
07/02/2025 07/02/25 Pending -- -- --
06/03/2025 06/03/25 Price Changed $3,599,000 -8.8% $943 / Sq Ft
03/27/2025 03/27/25 Price Changed $3,945,000 -1.3% $1,034 / Sq Ft
02/10/2025 02/10/25 Price Changed $3,995,000 -6.0% $1,047 / Sq Ft
02/04/2025 02/04/25 Price Changed $4,250,000 -11.4% $1,113 / Sq Ft
12/08/2024 12/08/24 For Sale $4,799,000 +1016.0% $1,257 / Sq Ft
02/20/2019 02/20/19 Sold $430,000 -4.4% -- View Prior Sale
11/02/2018 11/02/18 Pending -- -- --
09/17/2018 09/17/18 For Sale $450,000 -- --
Source: Key West Association of REALTORS®

Tax History Compared to Growth

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2024 $16,469 $2,568,907 $1,376,678 $1,192,229
2023 $16,469 $2,240,743 $1,099,313 $1,141,430
2022 $14,509 $1,846,550 $700,178 $1,146,372
2021 $3,394 $372,075 $372,075 $0
2020 $3,399 $368,693 $368,693 $0
2019 $2,113 $228,113 $228,113 $0
2018 $2,259 $236,775 $236,775 $0
2017 $1,889 $257,070 $0 $0
2016 $1,833 $251,129 $0 $0
2015 $1,718 $227,374 $0 $0
2014 $1,590 $196,831 $0 $0
Source: Public Records

Agents Affiliated with this Home

  • S

    Seller's Agent in 2025

    Stacey Pillari

    Berkshire Hathaway HomeServices Knight & Gardner Realty

    (305) 906-0144

    13 in this area

    100 Total Sales

    Stacey Pillari
    Section Image

  • A

    Seller's Agent in 2019

    Ann Wang

    Sunshine State Realty Services

  • S

    Buyer's Agent in 2019

    Sandra Tuttle

    American Caribbean Real Estate Lower Keys

See All Agents

Map

Source: Key West Association of REALTORS®

MLS Number: 612598

Key West Association of REALTORS®

APN: 00174635-000900

Florida Monroe County Cudjoe Key 33042

20816 4th Ave W, Cudjoe Key, FL

Sold

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