12425 CEDAR ST, CEDAR KEY, FL, 32625
Active6 days on marketListed Jul 14, 2026MLS #A4700020
About this home
12425 CEDAR ST
Discover this 8,712 sq. ft. waterfront residential lot in the Cedar Key area of Levy County, Florida. Featuring flat, partially wooded terrain, the property offers a peaceful coastal setting with beautiful waterfront surroundings. Public utilities are available, including water and sewer, and there are no HOA restrictions, providing flexibility for future development. Located in the charming island community of Cedar Key, known for its natural beauty, boating, fishing, wildlife, and relaxed coastal lifestyle, this property offers the perfect opportunity to enjoy the unique character of Florida’s Gulf Coast. Conveniently located near local shops, restaurants, outdoor recreation, and waterfront attractions, this lot provides an ideal setting for a coastal retreat or future home. Street addresses can be for listing purposes only and vacant land will receive a true street address once improved.
Facts & features
The home at a glance
0.2 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$903 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$903/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Cedar Key
Get to know Cedar Key. See the full Cedar Key guide →
CEDAR KEY 32625 — neighborhood snapshot
Population
1,255
Median age
62.3
Median income
$59,036
Median home value
$267,200
Avg household
1.83
Households w/ children
49%
The numbers that matter
The Cedar Key market
$309K → $75K
Cedar Key median sold, yr/yr
89.8%
Sale-to-list ratio (12 mo)
Median sold price, Cedar Key, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 22% below the CEDAR KEY 32625 median. See the full Cedar Key market guide →
Paper trail
This home's history
Reality check
What actually sold near 12425 CEDAR ST
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’25$550,000
16360 AIRPORT ROAD
2 bd · 2 ba · 928 sqft · $593/sqft · 95 DOM
Sold · Mar ’26$208,500
1149 SHELL CREST AVENUE
2 bd · 2 ba · 1,104 sqft · $189/sqft · 344 DOM
Sold · Sep ’25$190,000
511 1ST STREET
2 bd · 1.5 ba · 1,152 sqft · $165/sqft · 54 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Dan Schriver
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 12425 CEDAR ST — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12425 CEDAR ST — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Dan's phone and CRM.
Straight answers
12425 CEDAR ST FAQs
What would the monthly payment be for 12425 CEDAR ST?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $903/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 12425 CEDAR ST?+
The most recent tax bill on record (2025) was $1,319. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Cedar Key?+
At $99,999, this home is listed about 75% below the Cedar Key median of $404,900. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Under the CEDAR KEY 32625 market on paper
$99,999 is 22% below the CEDAR KEY 32625 median of $128,900.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 6 days on market in a Cedar Key market that averages 62 — if it fits, move quickly.
Listing courtesy of NEW ALLIANCE GROUP REALTY · Zach Hilferding. MLS #A4700020.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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