David Ramirez
$525,000$624,3002 bd2 ba2,184 sqft$240 /sqft$4,439 /mo all-in ↓

16791 SANDRA STREET, CEDAR KEY, FL, 32625

Active270 days on marketListed Oct 27, 2025MLS #GC534959

Reduced $99KSingle Family ResidenceCEDAR KEY SHORES #5

About this home

16791 SANDRA STREET

WHY DREAM OF A VACATION ON THE COAST OF FLORIDA WHEN YOU CAN OWN A PIECE OF PARADISE If you’ve been considering a home in the Sunshine State of Florida this is the perfect time to turn that dream into reality. This exceptional property was custom constructed in 1988 by skilled local builders and craftsmen. The home showcases solid woodwork throughout and dramatic vaulted heart-pine beams that anchor the main living area. It offers two generously sized bedrooms and two baths designed for comfort and functionality. Expansive covered porches wrap around the entire home, providing access to three 12-foot sliding glass doors that flood the interior with natural light and coastal breezes. You’ll feel like you are in a glamorous, well-appointed treehouse that says…Relax and enjoy life! Bubbling jacuzzi time is a bonus. On the ground level, you’ll find a versatile garage/game room, an attached workshop, and two covered carports. The fenced backyard offers a safe haven for pets. This thoughtfully designed and solidly constructed residence stands out even among the most impressive homes in Cedar Key. Adding to its appeal, the property includes three platted and buildable 1/3-acre lots. One lot holds the home, while the front lot extends to within approximately 50 feet of the Gulf. Those final feet are owned by the City of Cedar Key and designated as conservation land—ensuring protected water views for generations to come. While the property could be subdivided into separate parcels, it is currently offered as one expansive homesite, presenting endless possibilities. This extraordinary property boasts a main living elevation of 13 feet above sea level, supported by substantial concrete pillars rising an additional 9 feet. The result? Superior storm protection—rare for the island—and breathtaking sunrise and sunset views that never disappoint. Cedar Key itself is a cluster of small islands along the Gulf Coast, north of Tampa and south of Tallahassee. Once a historic fishing village, it is now home to roughly 800 residents—a blend of longtime locals, clam and oyster farmers, and small business owners. The island is beloved for its natural beauty, water activities, outstanding local restaurants, and welcoming community. Your friends can fly in for lunch utilizing the community’s 2303 foot asphalt runway, take time to kayak with the dolphins, reserve a seat for a sunset boat tour, explore the many islands. There is a reason UF set up a biological research station in the fascinating town. Life here moves at a deliberately relaxed, Old Florida pace. Come experience this rare, one-of-a-kind property—and bring your dreams home.

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

2,184

Sqft

0.99 ac

Lot size

1

Garage

1988

Year built

Two

Levels

$240

Per sqft

Trees/Woods & Water view

Inside

FlooringCarpet · Ceramic Tile
AppliancesBar Fridge · Built-In Oven · Dryer · Electric Water Heater · Exhaust Fan · Microwave · Range · Range Hood · Refrigerator
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · Living Room/Dining Room Combo · Open Floorplan · Solid Wood Cabinets
LaundryIn Garage
CoolingCentral Air
HeatingCentral · Electric · Heat Pump · Reverse Cycle · Wall Units / Window Unit

Outside & construction

RoofMetal
ConstructionWood Frame · Wood Siding
FoundationPillar/Post/Pier
ViewTrees/Woods · Water
FacesSouth
ParkingBoat · Covered · Off Street · Open · Workshop in Garage
ExteriorPrivate Mailbox · Sliding Doors

Community & fees

Taxes (2024)$11,473/yr

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Fire Hydrant · Sewer Connected · Street Lights · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$4,439 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$3,091
FHA mortgage insurance (est.)$232
Property tax — 2024 actual bill$956
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $18,375Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $18,375
Interest rate6.00%
Loan term

Estimated payment

$4,439/mo

Principal & interest$3,091
FHA mortgage insurance (est.)$232
Property taxes (actual bill)$956
Est. insurance$160

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

$240 vs $269

Days on market

270 vs 62 typical

Where $240/sqft sits among the 11 Cedar Key actives

7 · this home
3
0
0
0
1
$239–335$335–431$431–527$527–623$623–719$719+

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

Map of 16791 SANDRA STREET

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

Seller’s marketLeans buyer14.0 months of inventoryBuyer’s market

$309K$75K

Cedar Key median sold, yr/yr

89.8%

Sale-to-list ratio (12 mo)

8 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 322% above the CEDAR KEY 32625 median. See the full Cedar Key market guide →

Paper trail

This home's history

CurrentPrice reduced to $525,000 $99K
Oct 27, 2025Listed at $624,300 · 270 days on market since
1988Built · CEDAR KEY SHORES #5

Reality check

What actually sold near 16791 SANDRA STREET

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

12303 CEDAR STREETSold · Feb ’26

$148,000

12303 CEDAR STREET

2 bd · 2 ba · 1,248 sqft · $119/sqft · 113 DOM

511 1ST STREETSold · Sep ’25

$190,000

511 1ST STREET

2 bd · 1.5 ba · 1,152 sqft · $165/sqft · 54 DOM

1149 SHELL CREST AVENUESold · 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 16791 SANDRA STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 16791 SANDRA STREET — 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.

Goes straight to David’s phone and CRM.

Straight answers

16791 SANDRA STREET FAQs

What would the monthly payment be for 16791 SANDRA STREET?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,439/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 16791 SANDRA STREET?+

The most recent tax bill on record (2024) was $11,473. 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 $525,000, this home is listed about 30% 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

$525,000 runs 322% above the CEDAR KEY 32625 median — but at 2,184 sqft it's also nearly twice the size of the typical Cedar Key listing.

02Trees/Woods & Water views

The trees/woods and water view is part of what you're buying — views hold value independently of the structure.

03Time on market is leverage

270 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 $624,300, now $525,000 — a $99K cut. The full history is in the market section below.

Listing courtesy of UNITED COUNTRY SMITH & ASSOCIATES - NEWBERRY · Brad Smith. MLS #GC534959.

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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