Cudjoe Gardens (21.0) Homes with Conventional Finance Terms

Cudjoe Gardens (21.0) Homes with Conventional Finance Terms

Welcome to Cudjoe Gardens, a hidden gem nestled in the heart of Cudjoe, Florida, within the stunning Monroe County. This charming subdivision offers a unique blend of serene living and vibrant community spirit, making it an ideal place for families, retirees, and anyone looking to embrace the idyllic Florida lifestyle.

Cudjoe Gardens is characterized by its lush landscapes and friendly atmosphere, providing a perfect backdrop for your dream home. The subdivision features a variety of well-maintained properties that cater to diverse tastes and preferences. Whether you’re seeking a cozy single-family home or a spacious retreat, Cudjoe Gardens has something for everyone. The homes here are not only aesthetically pleasing but are also designed with functionality and comfort in mind.

One of the significant advantages of Cudjoe Gardens is the availability of conventional financing options. This means that prospective homeowners can explore flexible mortgage solutions, making it easier to secure their slice of paradise. With conventional finance terms available, you can rest assured that your investment in this beautiful community is both attainable and manageable.

The location of Cudjoe Gardens is another highlight, offering easy access to nearby attractions, stunning beaches, and an array of outdoor activities. From boating and fishing to exploring local parks, residents can enjoy the best of Florida's natural beauty right at their doorstep.

If you are looking for a place that combines tranquility with a sense of community, look no further than Cudjoe Gardens. Come discover your new home in this enchanting subdivision and start creating memories that will last a lifetime!

Newest Cudjoe Gardens (21.0) Homes with Conventional Finance Terms

20731 W 2nd Ave, Cudjoe
$3,200,000
5 Beds ⋅ 4 Baths ⋅ 621433 MLS
Experience exceptional boating and effortless Florida Keys living from this meticulously maintained Cudjoe Key residence, ideally positioned on a wide canal just 2 homes from open water. Lush tropical landscaping surrounds the property, while protected wetlands across the canal create a peaceful, private backdrop. Offering 4 Bedrooms plus an Office and 4 Baths, the home features 112' of concrete seawall and dockage, a 20,000 lb. boat lift and quick access to open water. Designed to embrace indoor-outdoor living, the living room features a Euro Door Wall System with sliders that open completely to the expansive screened porch with sitting and dining areas. Remote-controlled Kevlar hurricane screens provide added protection, while the waterfront retreat features a heated and chilled saltwater pool, poolside tiki, travertine decking and outdoor shower. With the rear of the home facing west, unforgettable Florida Keys sunsets unfold over the water and protected wetlands. The kitchen features granite countertops, Wolf cooktop, Electrolux large capacity refrigerator, wine cooler and dedicated ice maker. The spacious primary suite offers a soaking tub, walk-in shower and dual vanities. One guest bedroom features an ensuite bath, while 2 additional guest bedrooms share a Jack-and-Jill bath. A dedicated office adds flexible space. Additional features include a laundry room with dog wash, 2-car garage with convenient side access to the waterfront, and impact windows and doors. A nearby full-service marina and waterfront restaurant add to the ease of this sought-after boating neighborhood. Beautifully maintained inside and out, this property captures the privacy, boating access and outdoor lifestyle that make the Florida Keys so special.

20731 W 2nd Ave, Cudjoe
459 Pattison Dr, Cudjoe
$2,299,995
3 Beds ⋅ 2 Baths ⋅ 621419 MLS
Set on a large, private lot at the corner of two canals, this 3-bedroom, 2-bath, 2,020 sq. ft. waterfront home offers exceptional outdoor living, quick boating access and multiple spaces designed to enjoy the Florida Keys lifestyle. Boaters will enjoy the updated dock and 15K-lb boat lift. The outdoor space is built for entertaining, featuring a waterfront pool with paver decking, a poolside screened lanai, a main-floor screened porch, and an expansive rooftop deck with sweeping ocean views. Inside, the Great Room is filled with natural light, highlighted by an arched window framing views of the pool and canal, with easy access out to the rooftop deck and screened porch. The adjacent kitchen comes fully equipped with granite countertops, stainless steel appliances, and a pantry closet. The main level houses a dedicated guest wing with two bedrooms, one opening to a front porch balcony and the other stepping directly out to the rear screened porch, plus a full guest bathroom with a jetted soaking tub. Upstairs, the top floor serves as a completely private primary suite and second living area. This retreat features a soaking tub, walk-in closet, direct sun deck access showcasing open water views, and steps leading up to the rooftop deck. Additional features include impact-resistant windows and doors, a one-car garage, carport and plenty of storage for your island essentials. The neighborhood also offers the convenience of a full-service marina and waterfront restaurant close to home. With quick open-water access putting world-class fishing, diving and snorkeling within easy reach, this home is perfectly positioned to enjoy the best of the Florida Keys waterfront lifestyle.

459 Pattison Dr, Cudjoe
21023 2nd Ave, Cudjoe
$2,499,000
4 Beds ⋅ 2 Baths ⋅ 620071 MLS
Experience the ultimate Florida Keys boating lifestyle at this exceptional waterfront residence in prestigious Cudjoe Gardens. Situated on a rare double lot encompassing 16,827 square feet, this CBS-built, ground-level home sits above the flood plain and offers approximately 225 feet of waterfront on two sides, deep-water dockage, and remarkably quick ocean access. Designed for comfort and effortless waterfront living, the 2,739-square-foot home features 4 bedrooms, a spacious open-concept great room, bamboo flooring, impact windows and doors, and a durable metal roof. The chef's kitchen is the heart of the home, offering a large center island, stainless steel appliances, abundant cabinetry, and a wine refrigerator and is the perfect gathering place for entertaining family and friends. Step outside to a beautifully landscaped tropical setting with expansive screened lanai overlooking the water and an 82-foot dock complete with boat lift and kayak launch. Whether you're heading offshore for a day of fishing, enjoying sunset cruises, or simply relaxing by the water, this property delivers the Keys lifestyle you've been dreaming about. The 2- car Garage offers plenty of parking and room for all or your toys while the oversized double lot provides privacy and space to enjoy the outdoors while taking advantage of the home's unique corner-like waterfront setting. Located in one of the Lower Keys' most desirable boating communities, Cudjoe Gardens offers deep-water canals capable of accommodating larger inboard vessels, plus convenient access to a full-service marina with fuel, bait, boat ramp, refreshments, and a waterfront restaurant. Just 20 minutes from Key West, you'll enjoy world-class dining, entertainment, and island living while returning home to a peaceful waterfront retreat.

21023 2nd Ave, Cudjoe
21012 6th Ave, Cudjoe
$1,399,000
2 Beds ⋅ 2 Baths ⋅ 619865 MLS
Island living becomes effortless at this beautifully maintained waterfront retreat in the heart of Cudjoe Gardens. Located on a deep-water canal with quick ocean access, this CBS pool home offers the rare combination of ground-level convenience while above the flood plain. From the moment you arrive the property feels inviting and relaxed. Tropical landscaping and manicured grounds create a private island atmosphere while the standing seam galvanized roof and concrete construction provide lasting durability and peace of mind. Inside, the home radiates warmth and coastal character. Vaulted wood tongue-and-groove ceilings draw your eyes upward and create an airy, open feel throughout the living spaces. The thoughtfully designed floor plan flows seamlessly between the kitchen, dining, and living areas, making the home ideal for entertaining family and friends after a day on the water. The kitchen is both stylish and functional with updated stainless appliances, generous cabinetry, pantry and a large dining bar for casual dining. Picturesque pool and water views are enjoyed from the living areas and primary suite. Outside is where this property truly shines. The new waterfront pool creates a resort-style centerpiece from the living area and is surrounded by multiple lounging and entertaining spaces. Relax beneath the tiki hut with a morning coffee, gather around the waterfront firepit at sunset, or enjoy evenings under the stars with the gentle breeze coming off the canal. For boating enthusiasts the deep-draft canal accommodates larger boats with a new 17K boat lift and quick ocean access. The nearby full-service marina offers fuel, bait, refreshments and boat ramp access while the neighborhood waterfront restaurant adds another layer of convenience and charm. Plenty of room for of your gear and toys in the 2-car attached garage. Located 20 minutes from Key West offering the perfect balance between peaceful island living and access to world-class dining and culture.

21012 6th Ave, Cudjoe
20868 W 5th Ave, Cudjoe
$1,150,000
2 Beds ⋅ 2 Baths ⋅ 619465 MLS
Welcome to your cozy coastal retreat in Cudjoe Gardens in the beautiful Florida Keys! This well maintained 2bedroom, 2bath CBS home offers 1,344 sq ft of comfortable island living with thoughtful upgrades throughout. Step inside to find custom cabinetry, adding both style and functionality to the home's inviting interior. Outside is where this property truly shines, featuring a private, small man made sandy beach, concrete seawall, and boat lift, making it a boater's dream with easy access to open water. Relax and entertain in true Keys fashion with a spacious patio, tiki hut, and outdoor shower Perfect after a day on the water. The garage provides added storage and convenience, while the cozy layout makes this home ideal as a full time residence, vacation getaway, or investment property. Located just minutes from Cudjoe Gardens Marina, local dining favorites, and world-class fishing and diving, this home offers the perfect blend of tranquility and adventure. Experience laid back coastal living at its finest your Keys escape awaits!

20868 W 5th Ave, Cudjoe
51 Sawyer Dr, Cudjoe
$1,799,000
3 Beds ⋅ 3 Baths ⋅ 618500 MLS
Tucked into the sought-after waterfront enclave of Cudjoe Gardens, 51 Sawyer Drive offers the rarest of Florida Keys luxuries: ground-level living above base flood elevation. Built with integrity from solid concrete block and enhanced by Pella windows and a standing seam metal roof, this residence delivers peace of mind and timeless appeal. Boaters will appreciate the 80-foot concrete dock, direct ocean access via a 60-ft wide canal, and proximity to the neighborhood marina. Enter through a covered entry into an airy Great Room with soaring ceilings and newly installed marble-look tile, giving the space a crisp, clean feel. The spacious kitchen features warm wood cabinetry, generous counter space, and casual bar seating—ideal for entertaining. A primary suite retreat includes his-and-hers closets and a spa-like bath, plus an adjacent den that offers flexibility as a 4th bedroom, home office, or studio. The attached 2-car Garage allows plenty of space for all your toys. The tropically landscaped yard with shady palms and pretty brick drive boasts picturesque curb appeal. Cudjoe Gardens offers a full-service marina, fueling station, and a charming canal-side restaurant—all moments from your front door. Just 20 miles to Key West, this is an exceptional opportunity to enjoy world-class boating and tropical elegance without stairs or compromise.

51 Sawyer Dr, Cudjoe
20920 5th Ave, Cudjoe
$2,795,000
4 Beds ⋅ 3 Baths ⋅ 618526 MLS
Florida Keys luxury island living at its finest. Welcome to your private slice of tropical island living in coveted Cudjoe Gardens—a true boater's dream set on an oversized double canal-front lot (approx. 15,200 sq. ft.) with an impressive close to 200 feet of concrete seawall. This beautifully designed CBS home offers 4 bedrooms, 3 baths, and nearly 3,000 sq. ft. of living space, thoughtfully arranged for relaxed living and effortless entertaining. Recent renovations elevate the home even further, with the kitchen and primary bath completely and tastefully reimagined by D'Asign Source. The stunning chef's kitchen now features Omega cabinetry, elegant quartzite stone surfaces, premium KitchenAid appliances, and a striking black walnut round dining table that anchors the space with warmth and natural beauty—perfect for gathering with family and friends. Pocket sliding doors open the living areas to a spacious screened Florida Room (approx. 494 sq. ft.), seamlessly blending indoor and outdoor living. Outside, enjoy mature tropical landscaping, extensive paved driveways and walkways, and resort-style spaces designed for relaxing and entertaining. For boating enthusiasts, this property truly shines: approx. 4' control depth, quick access to the reef and backcountry, protected canals, and proximity to a full-service marina. The seawall is fully equipped with a cut-in boat slip, 15,000 lb. boat lift, davits, swim ladder, and outdoor shower—everything you need for life on the water. Additional highlights include a barrel tile roof, an attached 2 car garage, a versatile 676 sq. ft. garage space ideal for storage, hobbies, or island toys. Whether you're hosting sunset gatherings by the pool, heading out for a day on the water, or simply unwinding in your own tropical retreat, this remarkable property offers the perfect blend of comfort, style, and true Florida Keys lifestyle. Come see this exceptional canal-front retreat, where every day feels like a getaway.

20920 5th Ave, Cudjoe
51 Drost Dr, Cudjoe
$1,399,000
3 Beds ⋅ 2 Baths ⋅ 617709 MLS
Originally built as the developer of Cudjoe Gardens personal residence, this exceptional Mid-Century Modern waterfront Turn-Key home captures the effortless glamour of Palm Springs design blended with the laid-back sophistication of the Florida Keys. Offered fully furnished with 3 Bedrooms and 2 Baths, the residence has been beautifully remodeled with meticulous attention to detail, honoring its architectural roots while embracing modern luxury. Impact doors and windows, wide-plank engineered wood flooring, and an updated chef's kitchen with gas range create interiors that are both stylish and functional—ideal for relaxed living and elegant entertaining. The serene Primary Suite is a private sanctuary, featuring expansive picture windows that frame stunning views of the home's massive, newly refurbished waterfront pool, evoking a true resort-style experience. Designed for the boating enthusiast, the property offers deep-water dockage on a flow through canal with a concrete dock and 10,000-lb boat lift, providing effortless access to open water. A whole-house generator with automatic transfer switch ensures uninterrupted comfort and peace of mind year-round. Located within one of the Keys' most desirable waterfront neighborhoods, residents enjoy access to the Cudjoe Gardens Marina a full-service marina with fuel, bait, refreshments, and boat ramp, along with a beloved Bent Prop waterfront restaurant—all just moments from home This is a rare opportunity to own a historically significant, architecturally distinctive residence that seamlessly blends mid-century design, modern upgrades, and an unparalleled waterfront lifestyle.

51 Drost Dr, Cudjoe
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