12631 HODGSON AVENUE, CEDAR KEY, FL, 32625
Pending554 days on marketListed Jan 21, 2025MLS #GC527475
About this home
12631 HODGSON AVENUE
Welcome to the Sun Kissed Tree House in Cedar Key! Discover the charm of Cedar Key with the "Sun Kissed Tree House," a delightful 2-bedroom, 2-bathroom home boasting vaulted ceilings and a unique elevated design. Situated safely above the base flood elevation, this home stood resilient through recent historic storms, offering peace of mind. Currently a successful vacation rental, it presents a versatile opportunity for continued income or personal use as a tranquil residence or vacation getaway. About Cedar Key: Nestled along Florida's Nature Coast, Cedar Key blends quaint coastal living with rich history. Originally a thriving port for shipping goods, it now beckons with its artistic community, local seafood delicacies, and breathtaking sunsets over the Gulf. Embrace island living with outdoor activities like fishing, kayaking, or simply strolling through historic streets lined with colorful cottages and shops. Don't miss your chance to own a piece of Cedar Key's charm at the "Sun Kissed Tree House." Whether you're seeking a new home or an investment property, this is your opportunity to live amidst natural beauty and historic allure.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,262
Sqft
0.29 ac
Lot size
1990
Year built
Two
Levels
$357
Per sqft
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.
$3,625 /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
$3,625/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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Cedar Key actives
$357 vs $259
Days on market
554 vs 62 typical
Where $357/sqft sits among the 11 Cedar Key actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
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)
7 of 11
Cedar Key actives have cut their price
Median sold price, Cedar Key, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 262% above the CEDAR KEY 32625 median. See the full Cedar Key market guide →
Paper trail
This home's history
Reality check
What actually sold near 12631 HODGSON AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$148,000
12303 CEDAR STREET
2 bd · 2 ba · 1,248 sqft · $119/sqft · 113 DOM
Sold · Sep ’25$190,000
511 1ST STREET
2 bd · 1.5 ba · 1,152 sqft · $165/sqft · 54 DOM
Sold · Mar ’26$208,500
1149 SHELL CREST AVENUE
2 bd · 2 ba · 1,104 sqft · $189/sqft · 344 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 12631 HODGSON AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12631 HODGSON AVENUE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
12631 HODGSON AVENUE FAQs
What would the monthly payment be for 12631 HODGSON AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,625/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 12631 HODGSON AVENUE?+
The most recent tax bill on record (2023) was $7,398. 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 $450,000, this home is listed about 11% above the Cedar Key median of $404,900. The market section on this page shows how the area is trending.
The brief
Four things that matter here
01Positioned at the premium end
$450,000 runs 262% above the CEDAR KEY 32625 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
554 days on market against a Cedar Key median of 62 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $599,900, now $450,000 — a $150K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HOME ENV REALTY · Chad Shaffer. MLS #GC527475.
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.
Never miss a listing
New Cedar Key homes, in your inbox
Like 12631 HODGSON AVENUE but not quite? A daily digest of every new listing in Cedar Key — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →