Residential

21640 Overseas Highway, Cudjoe Key

$2,800,000.00

Bedroom 4 bedrooms
Bathroom 3 baths

  • MLS #: 619615
  • Address: 21640 Overseas Highway, Cudjoe Key, FL 33042
  • Date Listed: 4/23/2026
  • Days on Market: 48
  • SQFT: 3286
  • Acres: 1.17
  • Restrictions: Unknown
  • Subdivision: Sacarma (21.0)

Location Location

Agent Comments Agent Comments
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!!!

Amenities Amenities
  • Dishwasher
  • Disposal
  • Dryer
  • Freezer
  • Oven
  • Range
  • Refrigerator
  • Washer

Interior Features Interior Features
  • Cool System: Heat Pump, Central Air, Ceiling Fans(s), Attic Fan
  • Floors: Combo
  • Rooms: Other11
  • Interior: Walk-in Closet(s), Built-in Cabinets, Cathedral Ceilings, Dade County Pine, Fireplace(s), Granite Counter Top, Smoke Alarms, Whirlpool Bath Tub, Other

Exterior Features Exterior Features
  • Parking: Guest, Covered, RV Access/Parking, Assigned
  • Roof: Metal
  • Pool: Yes
  • Exterior: Chickee Hut, Hot Tub, Privacy Wall/Fence, Sandy Beach, Storage

Additional Features Additional Features
  • County: Monroe
  • Property Type: Single Family Residence
  • Tax Number: 2147483647
  • Waterfront Features: Oceanfront, Open Water
  • Water/Sewer: FKAA, Municipal Sewer
  • Stories: 2 Stories
  • Year Built: 1985