21640 Overseas Highway, Cudjoe Key, FL

$2,800,000

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4

Beds

3

Baths

3,286

Square feet

1.17

Acres

About 21640 Overseas Highway

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!!!

Features of 21640 Overseas Highway

MLS® # 619615
Price $2,800,000
Bedrooms 4
Bathrooms 3.00
Full Baths 3
Square Footage 3,286
Acres 1.17
Year Built 1985
Type Residential
Sub-Type Single Family Residence
Status Active

Community Information

Address 21640 Overseas Highway
Area 07 - Cudjoe Key
Subdivision Sacarma (21.0)
City Cudjoe Key
County Monroe
State FL
Zip Code 33042

Amenities

Utilities FKAA, Municipal Sewer
Parking Spaces 4
Parking Garage, Assigned Parking, Guest Parking, RV Parking Covered, Airplane Hanger, Covered Parking
View Ocean View, Open Water View
Is Waterfront Yes
Waterfront Oceanfront, Open Water
Has Pool Yes
Pool In Ground

Interior

Interior Features Cathedral Ceilings, Fireplace(s), Built-in Cabinets, Granite Counter Top, Dade County Pine, Smoke Alarms, Walk-in Closet(s), Whirlpool Bath Tub, Other
Appliances Washer, Dryer, Dishwasher, Refrigerator, Range, Oven, Disposal, Freezer
Cooling Central Air, Heat Pump, Ceiling Fans(s), Attic Fan
Fireplace No
Stories 2 Stories
Has Basement No

Exterior

Exterior Features Chickee Hut, Hot Tub, Privacy Wall/Fence, Sandy Beach, Storage
Lot Description 1 Less Than 2 Acres
Windows Sliding Glass Doors, Aluminum Windows
Roof Metal Roof
Construction Hardi Board Siding

Additional Information

Date Listed April 23rd, 2026
Days on Market 5
Zoning URM - Urban Res Mobile Home District
Short Sale No
RE / Bank Owned No

Listing Details

AgentDan R Serban
OfficeKey West Luxury Real Estate Inc (KW)

Listing Map

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