$1,350,000
SOLD JUL 24, 2025

20883 4th Ave Cudjoe Key, FL 33042

3 Beds
3 Baths
2,524 Sq Ft
0.3 Acres

Recently Sold

$535 Per Sq Ft

21% Below List Price

215 Days on Market

About This Home

As of July 2025

Tucked away in the boating community of Cudjoe Gardens, this spacious 3 Bedroom plus Loft canal front home boasts over 2,500 sq. ft. with soaring ceilings and a 2-car garage. Thoughtfully designed for both relaxation and functionality, the space is filled with natural light which flows seamlessly from room to room. The massive Kitchen is highly functional featuring lots of granite counter space and cabinetry plus stainless steel appliances. A large island takes center stage along with peninsula seating perfect for family gatherings and entertaining. Plenty of storage for all of your cookware with 2 pantries and laundry just a hand reach away. Enjoy alfresco dining overlooking the water on the waterfront screened lanai. The primary suite offers a peaceful retreat, with dual walk-in closets and a luxurious ensuite bathroom that includes dual vanities, a separate soaking tub and a spacious shower. The two guest bedrooms are equally spacious, with generous closet space and baths. Upstairs, a versatile loft space offers endless options such as a den, office, or media room. Impact-resistant windows and doors ensure the interior is bathed in natural light while maintaining storm readiness. Fantastic 84' dockage complete with a 15k lb lift and kayak lift. The dock also features a swim ladder, providing easy access for a quick dip or a leisurely swim in the 100' wide crystal clear flow through canal. Cudjoe Gardens is one of the few Keys neighborhoods where ground level homes are above the flood plane (no steps to climb!) and that offers a full service marina providing boat ramp, fuel, bait and refreshments and a waterfront restaurant all walking distance from your home.

Last Agent to Sell the Property

Lisa Ferringo

Coldwell Banker Schmitt Lower Keys (KW) License #605677 Listed on: 11/26/2024

Coldwell Banker Schmitt Lower Keys (KW)

Last Buyer's Agent

Lisa Ferringo

Coldwell Banker Schmitt Lower Keys (KW) License #605677 Listed on: 11/26/2024

Coldwell Banker Schmitt Lower Keys (KW)

Home Details

Home Type

Single Family

Est. Annual Taxes

$11,511

Year Built

2011

Lot Details

0

Listing Details

  • Property Type: Residential
  • Style: Single Family
  • As Is Right To Inspect: Yes
  • First Right of Refusal: No
  • Mandatory HOA: No
  • Voluntary HOA: Yes
  • Control Depth: 4
  • Dockage Dock: Concrete
  • Dockage Dock Length: 84
  • Document Count: 2
  • Fee Includes: None
  • 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
  • Neighborhood Feature: Bike Paths
  • Off Shore Island: No
  • Pets: Pets Allowed
  • Property Group I D: 19990816212109142258000000
  • Sale Terms: Cash
  • Side: Ocean
  • State Province: FL
  • Taxes: 11511.36
  • Title: Negotiable
  • Vehicle Storage: Garage, Off Street Parking, Open Parking
  • Year Built: 2011
  • Alternate Key Number: 8566450
  • Cooling Heating: Central Air, Ceiling Fans(s)
  • Lot Sq Ft: 13125.00
  • Porch Balcony: Screened Patio
  • Species List: Yes
  • Tax Exemptions: None
  • Building Style Above Flood: Yes
  • Building Style Stories: 1 Story
  • Estimated Living Sq Ft: 2524.00
  • Sewer Hook Up: Yes
  • Statistical Purposes Only: No
  • Special Features: None
  • Property Sub Type: Detached

Interior Features

  • Interior Amenities: Wet Bar, Walk-in Closet(s), Storage, Granite Counter Top
  • Total Bathrooms: 3.00
  • Full Bathrooms: 3
  • Appliances: Washer, Stainless Steel Appliance(s), Oven, Range, Refrigerator, Dishwasher, Dryer
  • Floor: Tile, Carpet
  • Specialty Rooms: Loft
  • Windows/Doors: Impact Rstnce Window, Impact Rstnce Doors
  • Total Bedrooms: 3

Exterior Features

  • Dockage: Boat Lift
  • Waterfront: Canal Front
  • Waterfront: Yes
  • Construction: CBS
  • Roof: Metal Roof
  • Waterview: Canal View
  • Pool: No

Utilities

  • Utilities: FKAA, Buyer to Verify, Municipal Sewer
  • Heating: Electric

Lot Info

  • Deed Restrictions: Unknown
  • Parcel Number: 00174635-001500
  • Land Size: 1/4 - 1/2 Acre
  • Acres: 0.30

Rental Info

  • Rentals Allowed: With Restrictions
  • Furnished: Negotiable

Tax Info

  • Tax Year: 2023

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Nov 26, 2024
Closed on
Jul 24, 2025
Sold by
Joyce and Kevern
Bought by
Lamon Guy B and Lamon Robin M
Seller's Agent
Lisa Ferringo
Coldwell Banker Schmitt Lower Keys (KW)
Buyer's Agent
Lisa Ferringo
Coldwell Banker Schmitt Lower Keys (KW)
List Price
$1,699,000
Sold Price
$1,350,000
Premium/Discount to List
-$349,000
-20.54%
Views
275

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
345384.47%

Purchase Details

Listed on
Feb 6, 2016
Closed on
Feb 26, 2016
Sold by
Robie William F and Robie Susan Z
Bought by
Kevern Joyce Pamela and Kevern Joyce
Seller's Agent
Bill Robie
Bill Robie
Buyer's Agent
Lisa Ferringo
Coldwell Banker Schmitt Lower Keys (KW)
List Price
$879,000
Sold Price
$840,000
Premium/Discount to List
-$39,000
-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
5.17%

Purchase Details

Closed on
Mar 17, 2008
Sold by
Rice Michael D and Rice Anne Layton
Bought by
Robie William F and Robie Susan Z

Purchase Details

Closed on
Dec 13, 2005
Sold by
Rice Michael and Rice Anne Layton
Bought by
Rice Michael and Rice Anne Layton

Purchase Details

Closed on
Jul 24, 2003
Sold by
Wiater James
Bought by
Rice Michael and Rice Anne Layton

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$135,920
Interest Rate
5.17%
Mortgage Type
Purchase Money Mortgage

Purchase Details

Closed on
May 17, 2000
Sold by
London John L and London A
Bought by
Wiater James

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$60,000
Interest Rate
8.2%

Purchase Details

Closed on
Nov 1, 1994
Bought by
Joyce Pamela and Joyce Kevern
Source: Public Records

Range of Values:

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Average Value
Not Available
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 $1,350,000 None Listed On Document
Warranty Deed $1,350,000 None Listed On Document
Warranty Deed $840,000 Attorney
Warranty Deed $400,000 None Available
Interfamily Deed Transfer -- None Available
Warranty Deed $169,900 --
Warranty Deed $80,000 --
Warranty Deed $50,000 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Previous Owner $135,920 Purchase Money Mortgage
Previous Owner $60,000 No Value Available
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
07/24/2025 07/24/25 Sold $1,350,000 -9.9% $535 / Sq Ft
06/24/2025 06/24/25 Price Changed $1,499,000 -6.3% $594 / Sq Ft
04/28/2025 04/28/25 Price Changed $1,599,000 -5.9% $634 / Sq Ft
11/26/2024 11/26/24 For Sale $1,699,000 +102.3% $673 / Sq Ft
02/26/2016 02/26/16 Sold $840,000 -4.4% $333 / Sq Ft
02/12/2016 02/12/16 Pending -- -- --
02/06/2016 02/06/16 For Sale $879,000 -- $348 / Sq Ft
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 $11,511 $1,874,837 $1,255,341 $619,496
2023 $11,511 $1,598,063 $1,002,422 $595,641
2022 $9,910 $1,237,298 $638,466 $598,832
2021 $9,126 $957,122 $425,644 $531,478
2020 $8,404 $867,568 $422,559 $445,009
2019 $8,780 $904,568 $453,863 $450,705
2018 $8,432 $842,595 $388,631 $453,964
2017 $8,005 $805,062 $0 $0
2016 $4,572 $766,801 $0 $0
2015 $4,177 $673,055 $0 $0
2014 $4,034 $633,644 $0 $0
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Key West Association of REALTORS®

MLS Number: 612428

Key West Association of REALTORS®

APN: 00174635-001500