Lower Keys · MM 21–23
Cudjoe Key
Mid-Lower-Keys canal living with deepwater access.
Cudjoe sits between Sugarloaf and Summerland and is a primary residence favorite — deeper canals, decent infrastructure, fewer tourists. The Cudjoe Gardens subdivision is the canonical waterfront pocket.
Parcels
1,700
Median assessed value
$690,000
% in AE/VE flood zone
74%
% waterfront
62%
What to expect in Cudjoe Key
- Cudjoe Gardens canal subdivision is the marquee pocket
- Deepwater canals (8–10 ft) suit larger boats
- Unincorporated Monroe VR rules apply
Sample parcels in Cudjoe Key
Public-records risk and insurance data on representative parcels.
Find a Cudjoe Key realtor
Lower- and Middle-Keys leads route to Gracie Dorr at Keyscations Realty. I live on Ramrod. I sell here because it's home.
How we score Cudjoe Key
Every parcel on this site is scored against the same six-factor KeysIQ engine: flood risk, insurance cost, ROGO buildability, VR income eligibility, climate resilience, and the composite KeysIQ Score™. Read the methodology →