CLARK ISLAND, CEDAR KEY, FL, 32625
Active184 days on marketListed Jan 20, 2026MLS #O6375079
About this home
CLARK ISLAND
Own a slice of your very own private island off the west coast of Florida! Enjoy unlimited sunrises and sunsets from this naturally beautiful, 10-acre lot (4-acre upland) located south of the historic Suwannee River and north of Cedar Key. Clark Island presents an opportunity to complete privacy and tranquility. If birdwatching is a favorite pastime, there is an abundant wildlife in the area. Whether you seek a serene retreat, an angler's haven, or a place to immerse yourself in nature, this island has it all. Future land use and zoning is Forestry/Rural Residential.
Facts & features
The home at a glance
10 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.
$921 /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
$921/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 7% below the CEDAR KEY 32625 median. See the full Cedar Key market guide →
Paper trail
This home's history
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 CLARK ISLAND — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for CLARK ISLAND — 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
CLARK ISLAND FAQs
What would the monthly payment be for CLARK ISLAND?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $921/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 CLARK ISLAND?+
The most recent tax bill on record (2025) was $14. 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 $120,000, this home is listed about 70% 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
$120,000 is 7% 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.
03Time on market is leverage
184 days on market against a Cedar Key median of 62 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of RADIUS REALTY GROUP LLC · Toni Xavier. MLS #O6375079.
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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