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21090 5Th Avenue

Cudjoe Key, FL, 33042

Active

$3,099,000

4

Bedrooms

3

Bathrooms

3,056 sqft

Living Area

2011

Year Built

12,738

Lot Size (sqft)

124

Days on Market

Dock Score™

DockOnly
80
Good

What shaped this score

Canal
Dock with boat lift for up to 30ft
Fits boats up to ~100ft+ (est.)
Premium waterfront location
·Draft not independently verified
Est. waterfront~235 ft

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

Dock & Water AccessMLS

Canal Front📝 15K-lb boat lift

AI Aerial Imagery Detection

Dock DetectedBoat Lift DetectedSeawall Detected

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
40ft at dock

Range 3865 ft over the next 200 ft of canal

dock40 ft523941

Measured every 10 ft along the canal boundary · perpendicular measurement

Will it turn around?

Up to 9 ft

Easy
handling

913 ft

Fits
with care

1315 ft

Tight
(back-in)

Boats over 15 ft typically back in/out rather than turning here. Clear channel ≈ 20 ft with boats moored both sides (~10 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 a refined waterfront pool home in the highly desirable Cudjoe Gardens neighborhood, where luxury meets laid-back island living. Located on a corner canal with 235' of waterfront this home is designed with life on the water in mind. Featuring two boat lifts, 15,000 lb and 12,000 lb, providing flexibility for multiple vessels along with a 2-car Garage for additional storage for all of your gear. Inside, the spacious 3 Bedroom, 3 Bath 3,056 sq. ft. home comfort and style blend with ease. The kitchen stands out with 6-burner Viking Range, Viking dishwasher, cabinet-front refrigerator, stainless appliances, pantry and generous space for entertaining, flowing seamlessly into the main living areas. Soaring ceilings fills the home, creating a bright and inviting atmosphere throughout. Upstairs a loft-style office and a dedicated theatre room offering a bar with beverage center provides the perfect setting for movie nights or game-day gatherings. The primary suite serves as a private retreat, complete with a lavish bath with bidet, separate shower and a relaxing jet tub, ideal for unwinding at the end of the day. Porches on both sides of the home overlook the canals and lead to a unique sandy point at the corner, offering a peaceful setting to take in water views and stunning sunset skies. After a day on the water relax by your waterfront heated salt pool or enjoy sipping cocktails on the screened lanai. Additional amenities include impact windows and doors, whole house generator and ice machine. Cudjoe Gardens is an upscale waterfront community known for its ground-level concrete homes thoughtfully built above the floodplain. The neighborhood is home to Cudjoe Gardens Marina, a convenient full-service stop for fuel, bait, and refreshments on your way to world-class fishing and diving. Residents also enjoy The Bent Prop, a beloved waterfront restaurant offering a true taste of the Keys lifestyle.

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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 checked: 1 hour ago

Listing updated: August 23, 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.

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 →
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Mortgage Calculator

Estimate your monthly payment for this waterfront property

20%

$619,800 down

%
Principal & Interest$16,080/mo
Property Tax (est. ~1.2%, varies by county)$3,099/mo
Home Insurance (est.)$250/mo
Total Monthly Payment$19,429
Loan Amount: $2,479,200Rate: 6.75%
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Estimated payments only. Actual rates and terms may vary.

$3,099,000Tour 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.