1170 WHIDDON AVENUE, CEDAR KEY, FL, 32625
Active97 days on marketListed Apr 24, 2026MLS #GC539563
About this home
1170 WHIDDON AVENUE
This Cedar Key property presents a rare opportunity for buyers looking to rebuild or reimagine a coastal home in one of Florida’s most unique waterfront communities. Previously impacted by storm damage, the property is now positioned for potential repair or reconstruction under current FEMA and local guidelines. Based on guidance from local officials, rebuilding may be possible depending on the scope of work and overall project cost relative to the structure’s pre-storm value. This creates a unique opportunity for buyers to design and execute a project that fits within those parameters—whether restoring the existing footprint or creating a thoughtfully updated coastal retreat. The value calculation is based on the structure only (excluding land), giving buyers a clear framework to explore renovation or rebuilding options. Due to FEMA regulations and the 50% rule, buyers are encouraged to work with the City of Cedar Key, contractors, and design professionals to fully understand allowable improvements, elevation requirements, and permitting options. If you’ve been looking for a project with flexibility, upside, and the ability to create something truly your own, this is an opportunity worth exploring.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
962
Sqft
0.22 ac
Lot size
1950
Year built
One
Levels
$249
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.
$2,097 /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
$2,097/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
$249 vs $269
Days on market
97 vs 62 typical
Where $249/sqft sits among the 10 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)
6 of 10
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 93% 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 1170 WHIDDON AVENUE
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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1170 WHIDDON AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1170 WHIDDON 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
1170 WHIDDON AVENUE FAQs
What would the monthly payment be for 1170 WHIDDON AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,097/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 1170 WHIDDON AVENUE?+
The most recent tax bill on record (2025) was $5,011. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 1170 WHIDDON AVENUE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Cedar Key?+
At $240,000, this home is listed about 41% 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
01Positioned at the premium end
$240,000 runs 93% 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.
03The price has already moved
Listed at $250,000, now $240,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HOME ENV REALTY · Chad Shaffer. MLS #GC539563.
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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