Apartments in Cudjoe Key, FL: Reviews & Research
1 property profiles · Compare recorded details, advertised rents and editorial feedback summaries where available.
Cudjoe Key is an unincorporated Lower Keys community in Monroe County spanning roughly mile marker 21 to 23 on the Overseas Highway, historically built out with single-family stilt homes and a small commercial strip. Multifamily rental supply is extremely limited given the island's land constraints, with most nearby listings actually belonging to Summerland Key, Big Pine Key, or Key West.
As of mid-2026, purpose-built rental supply inside Cudjoe Key itself is essentially limited to one small new-construction community, with rents running high ($2,500+/mo for a 2-bedroom) due to scarce buildable land in the Lower Keys.
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Quick comparison
| Complex | Neighborhood | Beds | Advertised rents | Built |
|---|---|---|---|---|
| Coco Palms | 2 bedrooms | $2,500 monthly base rent as advertised on 2026-07-30. | 2025 |
Rents are approximate, from public listings at the research date — confirm with the property.
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Florida renter essentials
Renters insurance is not optional here. Many Florida leases require it, and standard policies generally do not cover flood damage — that may require separate coverage, even in an apartment. Before signing, look up the building's flood zone on FEMA's flood map service and ask which evacuation zone it sits in.
Ask about the real monthly cost. A recurring theme in public resident feedback is fee stacking: valet trash, common-area electric, mandatory bulk internet, pest control, admin and tech fees. Get the full itemized monthly figure in writing before you apply.
Tour with the AC running and ask about hurricanes. Humidity control is the difference between a fine unit and a moldy one; ask how old the AC is. And ask directly how the building handled the last major storm — communities that performed well say so happily, and reviewers call out the ones that didn't.
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