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© 2026 DockOnly™. All rights reserved.

DockOnly™ and Dock Score™ are trademarks of Blue Mar Real Estate Group Inc.

Blue Mar Real Estate Group Inc., Licensed Florida Real Estate Broker

Blue Mar Real Estate Group Inc.

Licensed Florida Real Estate Broker · DBPR License CQ1018554

4000 Ponce De Leon Blvd, Suite 470, Coral Gables, FL 33146

[email protected]

Listing data is provided by participating Multiple Listing Services and is deemed reliable but not guaranteed. Each listing's MLS source and its required disclosures appear with that listing. Dock Score™ is a DockOnly.com rating and is not provided by or affiliated with any MLS or listing broker. NOAA chart data is public domain and for reference only, not for navigation. Full MLS Compliance

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+20

20833 W 4Th Avenue

Cudjoe Key, FL, 33042

Active

$2,699,999

20833 W 4Th Avenue

Cudjoe Key, FL, 33042

Active

$2,699,999

4

Bedrooms

3

Bathrooms

2,452 sqft

Living Area

2018

Year Built

$2,699,999Tour the dockSchedule a Showing
Navigation note: Navigation routes show the shortest mapped path to open water. A vessel taller than the binding bridge clearance may still reach open water via a longer alternate route that we don't currently map. Verify navigability with a local captain or surveyor before relying on it.

11,735

Lot Size (sqft)

$75

HOA / Yearly

36

Days on Market

Dock Score™

DockOnly
90
Excellent

What shaped this score

✓Canal
✓Dock with boat lift
✓Fits boats up to ~100ft+ (est.)
✓Premium waterfront location

DockOnly.com rating, not provided by the MLS or listing broker.

Dock & Water AccessMLS

Canal Front📝 10K-lb boat lift📝 deep water

AI Aerial Imagery Detection

Dock DetectedSeawall Detected~89-121 ft dock

Detected by AI from open-source aerial mapping imagery and may not reflect current conditions. This information was not provided by the MLS or listing broker. Always verify dock infrastructure with the listing agent.

Canal GeometryDockOnly

Canal Width

SFWMD Verified
90ft at dock

Range 45–99 ft over the next 200 ft of canal

dock90 ft45879090

Measured every 10 ft along the canal boundary · perpendicular measurement

Will it turn around?

Up to 32 ft

Easy
handling

32–42 ft

Fits
with care

42–49 ft

Tight
(back-in)

Boats over 49 ft typically back in/out rather than turning here. Clear channel ≈ 64 ft with boats moored both sides (~13 ft per side for dock + beam). Wide-beam yachts need the upper end of each range.

Navigation RouteDockOnly

Data sources: SFWMD AHED waterway polygons · FHWA National Bridge Inventory 2024 · Not provided by the MLS or listing broker.

Description

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

Schedule a Showing

See the property and tour the dock. A licensed waterfront specialist will arrange your private showing.

Select a date

Location

Cudjoe Key, FL, 33042

No price history available for this property.

Displayed by Blue Mar Real Estate Group Inc., Licensed Florida Real Estate Broker (DBPR CQ1018554) · [email protected]

Listing courtesy of Coldwell Banker Schmitt Real Estate Co via Florida Keys MLS

Last updated: 7/17/2026

© 2026 Florida Keys Board of REALTORS®, Inc. All rights reserved. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Florida Keys Board of REALTORS®. Information is deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change, or withdrawal.

IDX information is provided exclusively for consumers' personal, non-commercial use. It may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Dock Score™

DockOnly
90
Excellent

What shaped this score

✓Canal
✓Dock with boat lift
✓Fits boats up to ~100ft+ (est.)
✓Premium waterfront location

DockOnly.com rating, not provided by the MLS or listing broker.

Nearest Bridge Clearances

Florida Keys, critical for tall/large vessels

No bridge data available for this location.
FEMA Flood Zone AE
BFE: 9ft

Special Flood Hazard Area

View FEMA Flood Map →
Loading nearby marinas…
Loading nearby sandbars…

Mortgage Calculator

Estimate your monthly payment for this waterfront property

20%

$540,000 down

%
Principal & Interest$14,010/mo
Property Tax (est. ~1.2%, varies by county)$2,700/mo
Home Insurance (est.)$250/mo
HOA Fees$6/mo
Total Monthly Payment$16,966
Loan Amount: $2,159,999Rate: 6.75%
Get Pre-Qualified

Estimated payments only. Actual rates and terms may vary.

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