Cudjoe Gardens (21.0) Homes with FHA Finance Terms

Cudjoe Gardens (21.0) Homes with FHA Finance Terms

Welcome to Cudjoe Gardens, a hidden gem nestled in the enchanting Florida Keys! Located in beautiful Monroe County, this charming subdivision in the city of Cudjoe offers a unique blend of tranquility and vibrant island living. With its picturesque landscapes and close-knit community, Cudjoe Gardens is the perfect place to call home.

The homes in Cudjoe Gardens are not only inviting but also accessible for a wide range of buyers, thanks to the availability of FHA financing options. This means that first-time homebuyers and those looking for a more affordable path to homeownership can take advantage of flexible financing terms, making it easier to invest in your dream home in this tropical paradise.

Cudjoe Gardens boasts a variety of homes, from cozy single-family residences to spacious properties with lush gardens, perfect for entertaining or simply enjoying the serene surroundings. Many homes feature modern amenities, open floor plans, and beautiful outdoor spaces, allowing residents to fully embrace the Florida lifestyle.

Living in Cudjoe Gardens means being just a short drive away from stunning beaches, world-class fishing spots, and an array of recreational activities. Whether you enjoy kayaking through mangroves, exploring local wildlife, or savoring fresh seafood at nearby restaurants, there’s something for everyone in this idyllic community.

Discover the charm of Cudjoe Gardens and make your dream of owning a home in the Florida Keys a reality. With FHA financing available, your tropical retreat is closer than you think!

Newest Cudjoe Gardens (21.0) Homes with FHA Finance Terms

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

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