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For sale
    • $2,795,000

    20844 4th Ave W, Summerland Key, FL 33042

    4beds
    2,951sqft
    : 
    Single Family Residence
    Built in 1997
    0.29 Acres Lot
    $-- Zestimate®
    $947/sqft
    $6/mo HOA

    What's special

    Huge islandGranite countertopsOutdoor kitchen and barBrand-new acCustom cabinetryNew wine coolerCustom plantation shutters
    FISHERMAN'S DREAM! BIG BOATS WELCOME! DEEP WATER! LARGE WATERFRONT HOME in the prestigious neighborhood of Cudjoe Gardens. When you first walk up you will notice the beautiful landscaping, tropical fruit trees, key limes, mangoes, lemons, bananas and avocados! This stunning and elegant concrete residence on elevated lot, offers the perfect harmony of luxury and comfort. All new impact windows & doors, framed by custom plantation shutters. Every space has been meticulously curated, brand-new AC, and more! This incredible property with almost 3,000sf offers an open and spacious floor plan. The living area blends seamlessly with the screened in lanai with full bar, concrete heated, saltwater pool and overflow hot tub, offering full sun during the day. Leave the full wall of glass doors open to allow the fresh breeze of the Florida Keys as well as the gentle sound of the pool's waterfall. The Custom Chef's Kitchen has top of the line Stainless Steel Appliances, new wine cooler, Granite Countertops, huge island, and Custom Cabinetry. The home has a large master bedroom suite with its own living room/office/exercise area, sliders to back yard, 2 closets, and wonderful bathroom with spa like shower. 2 large guest bedrooms with full bath, an incredible Mother In Law/Guest Suite set up as bedroom sleeping 4-8 people with living area, with it's own driveway and private entrance and access to lanai, gorgeous bamboo flooring with inlayed Compass Rose and ceiling made of river recovered heart cypress, walk in closet designed as storm shelter, and full bath. Other features, outdoor kitchen and bar, 1 car garage with ample storage, double boat lift 20,000lb, 5 ft draft, 2 Ace 5,500lb davits, 100x10 concrete dock, Killer Dock brand fish cleaning station, commercial ice maker, and 5 min. Ride from the Ocean or Gulf, Fuel, Marina, and Tackle store, perfect for the avid fisherman. Wide canal, flow thru canal. This property is a boat lover, fisherman, and chef's Dream Home
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    Zillow last checked: 7 hours ago

    Listing updated: April 01, 2026 at 02:44am

    Listed by:

    Stacey Nash Pillari 305-906-0144,

    Berkshire Hathaway HomeServices Knight & Gardner Realty

    Source: FLKMLS,MLS#: 619299MLS LogoOriginating MLS: Key West Association

    Tour with a local agent

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 3
      • Full bathrooms: 3
      Heating
      • Central, Propane Stove, Electric
      Cooling
      • Central Air, Ceiling Fans(s)
      Appliances
      • Included: Washer, Stainless Steel Appliance(s), Wine Cooler, Ice Machine, Gas Appliances, Freezer, Disposal, Microwave, Oven, Range, Refrigerator, Dishwasher, Dryer
      • Laundry: Laundry Room
      Features
      • Built-in Cabinets, Bar, Other, Whirlpool Bath Tub, Walk-In Closet(s), Storage, Granite Counters, Entrance Foyer, Pantry, Split Bedroom, Wet Bar
      • Flooring: Tile, Wood
      • Doors: Glass Doors, Impact Rstnce Doors, Sliding Glass Doors
      • Windows: Drapes/Blinds Incl, Window Treatments, Impact Rstnce Window
      Interior area
      • Total interior livable area: 2,951 sqft

      Property

      Parking
      • Total spaces: 4
      • Parking features: Garage, Trailer Storage, Off Street, Guest, Open, Garage Door Opener, Attached
      • Has attached garage: Yes
      • Has uncovered spaces: Yes
      Accessibility
      • Accessibility features: Yes, Accessible Doors, Parking, Accessible Kitchen
      Features
      • Levels: Ground Level
      • Patio & porch: Lanai, Open Porch/Balcony, Patio, Screened Patio, Screened P/B
      • Exterior features: Bar, Water Display, Storage, Sprinkler System, Outdoor Shower, Outdoor Kitchen, Lighting, Rain Gutters, Built-in Barbecue
      • Has private pool: Yes
      • Pool features: Heated, In Ground, Screen Enclosure, Decked, Concrete, Salt Water
      • Has spa: Yes
      • Spa features: Private
      • Fencing: Privacy,Fenced
      • Has view: Yes
      • View description: Canal
      • Has water view: Yes
      • Water view: Canal
      • Waterfront features: Canal Front, Waterfront, Seawall: Concrete, Dock: Concrete, Dock Length: 100, Dockage: Davits, Boat Lift
      Lot
      • Size: 0.29 Acres
      • Features: 1/4 - 1/2 Acre
      • Residential vegetation: Fruit Tree(s)
      Details
      • Parcel number: 00174635000700
      • Zoning: IS
      • Zoning description: Improved Subivision District

      Construction

      Type & style
      • Home type: SingleFamily
      • Property subtype: Single Family Residence
      Materials
      • CBS, Concrete
      • Roof: Metal
      Condition
      • Updated/Remodeled
      • New construction: No
      • Year built: 1997

      Utilities & green energy

      • Electric: Elect Separate Meter
      • Sewer: Municipal Sewer, Public Sewer
      • Water: Water Separate Meter
      • Utilities for property: FKAA, Propane, Cable Connected
      Green energy
      • Energy efficient items: Thermostat

      Community & HOA

      Community
      • Features: Community Boat Ramp, Other
      • Security: Smoke Detector(s), Patrolled Area, Other
      • Subdivision: Cudjoe Gardens (21.0)
      HOA
      • Has HOA: Yes
      • Services included: Maintenance Grounds, Other
      • HOA fee: $75 yearly
      Location
      • Region: Summerland Key

      Financial & listing details

      • Price per square foot: $947/sqft
      • Tax assessed value: $2,431,616
      • Annual tax amount: $21,893
      • Date on market: 4/1/2026
      • Listing terms: Cash,FHA,VA Loan,Conventional
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        Estimated market value

        Not available

        Estimated sales range

        Not available

        Not available

        Price history

        Price history
        DateEventPrice
        4/1/2026Listed for sale$2,795,000$947/sqft
        Source: FLKMLS #619299 Report a problem
        4/1/2026Listing removed$2,795,000$947/sqft
        Source: FLKMLS #616783 Report a problem
        2/12/2026Price change$2,795,000-2.8%$947/sqft
        Source: Key West AOR #616783 Report a problem
        1/1/2026Price change$2,875,000-2.5%$974/sqft
        Source: Key West AOR #616783 Report a problem
        10/8/2025Listed for sale$2,950,000+13.5%$1,000/sqft
        Source: FLKMLS #616783 Report a problem
        8/26/2022Sold$2,599,000$881/sqft
        Source: FLKMLS #601734 Report a problem
        8/19/2022Pending sale$2,599,000$881/sqft
        Source: FLKMLS #601734 Report a problem
        7/11/2022Contingent$2,599,000$881/sqft
        Source: Key West AOR #601734 Report a problem
        7/9/2022Listed for sale$2,599,000-3.6%$881/sqft
        Source: Key West AOR #601734 Report a problem
        6/9/2022Listing removed--
        Source: FLKMLS #598777 Report a problem
        5/3/2022Price change$2,695,000-3.7%$913/sqft
        Source: Key West AOR #598777 Report a problem
        2/23/2022Price change$2,799,000-5.1%$948/sqft
        Source: Key West AOR #598777 Report a problem
        12/10/2021Listed for sale$2,950,000+709.3%$1,000/sqft
        Source: FLKMLS #598777 Report a problem
        10/21/1998Sold$364,500+507.5%$124/sqft
        Source: Public Record Report a problem
        6/6/1995Sold$60,000$20/sqft
        Source: Public Record Report a problem

        Public tax history

        Public tax history
        YearProperty taxesTax assessment
        2025$21,894 -0.4%$2,431,616 -1.5%
        2024$21,976 +11.3%$2,468,142 +10%
        2023$19,744 +213.1%$2,243,765 +222.3%
        2022$6,306 -3.1%$696,165 +3%
        2021$6,506 +0.5%$675,889 +1.4%
        2020$6,477 $666,558 +2.3%
        2019$6,477 +1.8%$651,572 +2.3%
        2018$6,360 -0.3%$637,074 +1.7%
        2017$6,381 +2.5%$626,271 +2.1%
        2016$6,226 -0.7%$613,390 +0.7%
        2015$6,271 $609,126

        Find assessor info on the county website

        BuyAbility℠ payment

        Est. payment
        $15,797/mo
        Principal & interest
        $13881
        Property taxes
        $1910
        HOA Fees
        $6
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          Climate risks

          Neighborhood: 33042

          Getting around

          13 / 100
          Car-Dependent
          46 / 100
          Somewhat Bikeable

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