CUDJOE ACRES
Homes for Sale in Cudjoe Key, FL
True comps, carrying-cost math, and listings before the portals.
Cudjoe Acres sits on Cudjoe Key in Monroe County — the Florida Keys — where land scarcity and coastal exposure are the primary price drivers, not square footage or finishes. The median sale price is $870,000 against a median living area of roughly 1,541 square feet, which tells you that buyers are paying for the lot, the water access, and the address as much as the structure itself. With only four closings in the most recent tracking window across a community of 73 homes, transaction volume is thin, and individual sales move the median meaningfully — treat any single data point with appropriate skepticism.
The median days on market is 84 days, which is deliberate pacing, not distress. Keys inventory at this price point draws a selective buyer pool, and sellers who price to the comps rather than to aspiration tend to find their buyer within that window. The roughly 39 percent homestead rate signals that a substantial share of ownership is investment- or vacation-oriented — a fact that shapes how quickly listings appear and how motivated sellers are when they do surface.
The 60-Second Overview
CUDJOE ACRES market snapshot (as of July 27, 2026): the median sale price is about $870K, and a median 84 days on market for closed sales.
CUDJOE ACRES is a community of 73 homes in Cudjoe Key, Monroe County, built between 1943 and 2024 (median 1986), with a median living area of about 1,541 square feet. 39% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Cudjoe Acres is a low-density residential enclave on Cudjoe Key where the stock ranges from mid-century cottages built as early as 1943 to newer construction completed through 2024, with a median build year of 1986 — a mix that means condition and flood-mitigation upgrades vary considerably from parcel to parcel.
Who CUDJOE ACRES is best for.
Best for
- A buyer targeting a Keys vacation or second property near the $870K median who understands that insurance and carrying costs require their own underwriting analysis before the offer goes in.
- An owner-occupant comfortable with a non-HOA environment and willing to manage individual property upkeep on a lot-level basis.
- A buyer whose primary goal is Keys access and is less focused on living-area size — the median footprint here is practical, not expansive, and the price reflects location over square footage.
Probably not for
- A buyer who needs to close quickly or cannot tolerate a market where 84 days on market is typical and comp data is limited to a handful of recent closings.
- Anyone whose budget requires financing that depends on predictable, low insurance costs — the Keys insurance environment demands a full cost model before any offer, and older vintage homes carry the most uncertainty.
- A buyer expecting community amenities, organized common spaces, or HOA-managed infrastructure — none are identified here, and the neighborhood functions as a collection of independent parcels.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending July 27 of each year, from record-level floridakeys closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($870K) IS the median in the snapshot above.
Windows contain 0 to 4 sales each (4 in the current window); every figure carries its sample size, and thin markets swing on single closings. Listing data provided by Florida Keys MLS, Inc. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
The CUDJOE ACRES buying strategy.
If we were buying in CUDJOE ACRES today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in CUDJOE ACRES.
Stock, Vintage, and What the Numbers Hide
The build-year spread — 1943 through 2024 — is unusually wide for a community this size, and it matters enormously in the Keys. Older structures may predate modern hurricane codes and current FEMA flood-zone requirements, while newer builds are more likely to carry the elevation certificates and construction standards that reduce insurance costs and lender friction. At a median year built of 1986, the typical home in Cudjoe Acres sits squarely in a transitional era: post-Andrew codes were still a decade away, so due diligence on wind mitigation ratings, roof condition, and flood-zone classification is not optional — it is the transaction.
No community amenities were identified from current MLS listings, which means Cudjoe Acres functions as a neighborhood of individual parcels rather than a managed association environment. For buyers who want to avoid HOA oversight and fees, that is a feature. For those expecting shared infrastructure or common-area maintenance, it is an absence worth understanding before writing an offer. The median living area of 1,541 square feet keeps these homes in a practical, non-estate footprint — value here is anchored to land and location, and the price reflects that reality plainly.
The location and the amenities are priced into every listing in CUDJOE ACRES. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
Monroe County transactions carry layers that inland deals do not: flood zone classification, elevation certificates, wind mitigation inspections, and the insurance underwriting environment can each reshape a deal's economics more than the negotiated price. Momentum's brokerage experience in Northeast Florida's coastal and barrier-island markets means we come to the table already fluent in that due-diligence language — and in a thin-volume community where four closings define the recent comp set, the ability to read limited data correctly and negotiate from a grounded position is the difference between a sound purchase and an expensive lesson.
CUDJOE ACRES in 15 seconds.
HOA, CDD & Fees
- Mandatory HOA — confirm current dues
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a CUDJOE ACRES buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed CUDJOE ACRES sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in CUDJOE ACRES, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your CUDJOE ACRES home worth?
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Frequently Asked Questions
What is the median home price in CUDJOE ACRES?
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When were the homes in CUDJOE ACRES built?
Do cash buyers compete in CUDJOE ACRES?
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How do I find a top Cudjoe Key real estate agent who knows CUDJOE ACRES?
Can Momentum Realty connect me with an agent for CUDJOE ACRES?
Should you buy in CUDJOE ACRES?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Community market stats | floridakeys closed sales, 12-month windows ending July 27, 2026 |
| Housing stock & ownership | Florida DOR 2025 assessment roll (street-list match (4 streets, ZIP 33042)) |
| Historical depth | Closed-sale records back to 2001 (28 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of floridakeys records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
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The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the floridakeys member average and 8 days faster, and we’ll price yours against live your area comps.
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More Cudjoe Key & The Florida Keys & Monroe County guides
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