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21640 Overseas Highway, Cudjoe, FL 33042

$2,800,000
  • 21640 Overseas Highway, Cudjoe, FL 33042 Main Photo
New to the Market Active
BEDS4 BATHS4 full SQUARE FEET3,286 MLS#619615
STATUSActive PROPERTY TYPEResidential - Single Family SUBDIVISIONSacarma (210)

Property Description

SPECIAL DAILY TRANSIENT LICENSE!!!Experience one of the Lower Keys' rarest offerings at 21640 Overseas Highway,an extraordinary 1.2 acre open-water estate with panoramic ocean views, resort style amenities, and true investment upside. Opportunities like this almost never come to market from Key West to Summerland. With 3,286 sq ft per appraisal, this 4-bedroom waterfront residence delivers the scale, privacy, and setting luxury buyers search for but rarely find. From the moment you enter, the home is designed around the water. Expansive living areas, soaring ceilings, and oversized windows frame endless blue views while natural light fills the interior. The spacious layout offers multiple entertaining zones, generous bedroom suites, and the kind of footprint that allows a buyer to enjoy immediately or elevate into a signature Keys showplace.Outside is where this property separates itself from nearly everything else on the market. The massive parcel creates room to breathe, entertain, and enjoy waterfront living on a level almost impossible to replicate today. A private pool, sandy beach area, dockage, mature tropical grounds, and open-water backdrop combine to create a true resort atmosphere. Sunrise coffee, sunset cocktails, paddleboarding, boating, and stargazing all happen from your own backyard.Under the home, an immense garage / storage / workshop space offers rare functionality for collectors, boating gear, vehicles, trailers, hobbies, or business use. Very few waterfront homes in the Keys offer this level of usable enclosed space.For investors, this property's transient rental license potential is a major value driver. Large open-water estates with acreage and premium amenities command exceptional demand in the vacation market. With the right presentation and management plan, this is the type of asset that can serve as both a personal retreat and a high-performing income property. Lets take a look!!!

21640 Overseas Highway | MLS# 619615

This single family home located at 21640 Overseas Highway, Cudjoe, FL 33042 is currently listed for sale with an asking price of $2,800,000. This property was built in 1985 and has 4 bedrooms and 4 full baths with 3286 sq. ft. Overseas Highway is located in the Sacarma (210) subdivision. Search Sacarma (210) real estate on jeffwright.adamscameron.com today.

Property Features

Property Type: Residential - Single Family
Cooling: Central Air, Attic Fan, Ceiling Fans(s), Heat Pump
Fenced: Yes
Garage: 4
Lot Size: 1.17 Acres
Roof Type: Metal Roof
Stories: 2.0
Taxes: $17,431
Year Built: 1985

Feature Descriptions

Appliances: Washer, Freezer, Disposal, Oven, Range, Refrigerator, Dishwasher, Dryer
Building Above Flood: Unknown
Building Stilt Column Height: Tall - 10Ft & Over
Days on Site: 3
Dock: Wood
Exterior: Chickee Hut, Storage, Sandy Beach, Privacy Wall/Fence, Hot Tub
Exterior: Hardi Board Siding
Flooring: Combo
Furnished: Furnished
Furnished: Yes
HOA (1st Right of Refusal) Y/N: No
HOA (Mandatory) Y/N: No
Hot Tub: Yes
Interior: Cathedral Ceilings, Other, Whirlpool Bath Tub, Walk-in Closet(s), Smoke Alarms, Dade County Pine, Granite Counter Top, Built-in Cabinets, Fireplace(s)
Key/Island: Cudjoe Key
Listing Board: Key West Association
Lot Dimensions: 1.17Acre(s)
Parcel #: 00174830000000
Parking: Garage, Covered Parking, RV Parking Covered, Airplane Hanger, Guest Parking, Assigned Parking
Parking Space(s): 4+
Pets: Pets Allowed
Pool: In Ground
Porch/Balcony: Screened P/B, Deck, Screened Patio, Patio
Property Condition: Updated/Remodeled
Sewer Hookup: Yes
Specialty Rooms: Other
Swimming Pool: Yes
Tax exemptions: None
Utilities: FKAA, Municipal Sewer
Waterfront: Oceanfront, Open Water
Waterview: Ocean View, Open Water View
Windows/Doors: Sliding Glass Doors, Aluminum Windows
Zoning: URM - Urban Res Mobile Home District

Listed By / Shown By

Listed By

Agency Name: Key West Luxury Real Estate Inc (KW)
Agency Phone: (305) 849-8683

Shown By

Agent Name: Jeff Wright
Agent Phone: (386) 679-5063 Cell
Agency Title: Adams Cameron & Co. REALTORS

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Estimated Payment

$ 17,172.03 per month $14,902.78 Principal & Interest $1,452.58 Property Tax $816.67 Homeowner's Insurance

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Disclaimer: All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information on this site was last updated 04/27/2026. The listing information on this page last changed on 04/27/2026. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of Delta Media Group MLS (last updated Mon 04/27/2026 7:59:15 AM EST) or Miami MLS (last updated Mon 04/27/2026 7:54:55 AM EST) or Stellar MLS (last updated Mon 04/27/2026 1:58:49 AM EST) or Daytona MLS (last updated Mon 04/27/2026 7:56:44 AM EST) or Tallahassee MLS (last updated Mon 04/27/2026 6:48:02 AM EST) or Northeast Florida MLS (last updated Mon 04/27/2026 12:18:53 AM EST) or My State MLS (last updated Sun 04/26/2026 11:30:13 PM EST) or Florida Keys MLS (last updated Mon 04/27/2026 12:28:36 AM EST). Real estate listings held by brokerage firms other than Adams Cameron & Co. REALTORS may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved.
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