Home22542 Jolly Roger, FL 33042

Oceanfront living on Cudjoe Key, where broad covered balconies, generous outdoor space, and a private boat launch put Keys waterfront life within reach. This four-bedroom, three-bath home is a study in coastal architecture -- large impact glass doors and windows frame open water views and pull natural light into every room. Soaring 26' ceilings and rich wood beams anchor the open-concept main level, which includes a renovated kitchen, dining space, living room, laundry, and two bedrooms with two full baths. Upstairs, a third bedroom sits at the top of the stairs, and a catwalk leads to the fourth bedroom with ensuite bath and a walkout deck framing panoramic open water views. The home has been restored to its former glory with modern updates layered in -- rustic accents meet open, light-filled spaces that let the oceanfront setting do the talking. Adjacent lot also available for even more ocean enjoyment. Seller financing available: 50% down, 6% for 15 years, no flood or wind insurance required. This home needs to be seen to be fully appreciated. Schedule your showing today.

Property Highlights

Roof

  • Metal

View

  • Direct Ocean

Sewer

  • Public Sewer

Levels

  • Two

Cooling

  • Ceiling Fan(s)
  • Central Air

Heating

  • Central

Flooring

  • Tile

Amenities

  • None

Appliances

  • Dishwasher
  • Dryer
  • Refrigerator
  • Washer

Possession

  • Close Of Escrow

Room Types

  • Other

Water View

  • Direct Ocean

LotFeatures

  • Room for Pool

WaterSource

  • Public

Lot Features

  • Room for Pool

Restrictions

  • Other Restrictions

Water Access

  • No Fixed Bridge

Water Source

  • Public

Listing Terms

  • Owner Will Carry

Porch Details

  • Porch - Open

Balcony Details

  • Balcony - Open

ParkingFeatures

  • Covered

ExteriorFeatures

  • Balcony

InteriorFeatures

  • Built-in Features
  • Entrance Foyer
  • Vaulted Ceiling(s)
  • Walk-In Closet(s)

Parking Features

  • Covered

Interior Features

  • Built-in Features
  • Entrance Foyer
  • Vaulted Ceiling(s)
  • Walk-In Closet(s)

Master BedroomBath

  • None

WaterfrontFeatures

  • No Fixed Bridge
  • Ocean

Special Information

  • Flood Zone
  • Sold As-Is

Waterfront Features

  • Ocean

AssociationAmenities

  • None

Showing Requirements

  • Call Listing Agent

Outdoor Living Spaces

  • Balcony
  • Deck
  • Porch

PatioAndPorchFeatures

  • Porch - Open
  • Porch
  • Deck

Construction Materials

  • Frame

Property Details

Property TypeResidential
StyleSingle Family Residence
Year Built1982
CountyMonroe
SubdivisionCUTTHROAT HARBOR ESTS
Living Area2,440 sq ft
Bedrooms4
Baths4
Half Baths0
WaterfrontYes
Annual Tax$12,646 (2025)
Listing OfficeColdwell Banker Schmitt R.E.
Listing AgentLauren Dunn
Office Phone305-451-4422

22542 Jolly Roger, FL 33042, FL 33042