16931 SW 133RD STREET, CEDAR KEY, FL, 32625
Active284 days on marketListed Oct 22, 2025MLS #OM711795
About this home
16931 SW 133RD STREET
Welcome to your dream retreat in the heart of Cedar Key! This beautifully renovated waterfront home offers unobstructed views of the Gulf and breathtaking Levy County sunsets — truly the best of this special area of north Florida. Situated on a large, landscaped lot at the end of a quiet cul-de-sac, this home is the perfect blend of peaceful seclusion and modern luxury. The upper main level features a spacious open-concept living room, dining area, and gourmet kitchen — all with expansive water views that will steal your heart. High-end appliances, elegant finishes, and thoughtful design make this home completely move-in ready. Step out onto the huge open deck, ideal for outdoor entertaining, or enjoy a quiet evening on the screened-in porch. Upstairs bedrooms offer cozy comfort with serene views, while the lower level provides a spacious family room, a two-car garage, and a separate workshop — perfect for hobbies, projects, or extra storage. Located adjacent to the Cedar Key Airstrip, you’ll enjoy both convenience and privacy in this tucked-away paradise. Fish right off the oyster bars behind the house when the tide is in, or head out for world-class inshore and offshore fishing just minutes away with your own boat or hire one of the many local guides! (we can "hook" you up to limit out on redfish and trout!) Live the Cedar Key lifestyle with local festivals, unique gift shops, vibrant restaurants and bars, fresh local clams and oysters, and a warm, welcoming community. The highly rated Cedar Key School (Pre-K through 12th grade), active civic groups, churches, library, chamber of commerce and a community garden all contribute to the small-town charm that makes Cedar Key so special. And the island is totally golf cart friendly, which only adds to the sense of community! Don't miss your chance to own this rare waterfront gem — it's the whole package! Call today to schedule your private showing and experience the magic of Cedar Key living.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,612
Sqft
0.85 ac
Lot size
2
Garage
1974
Year built
Multi/Split
Levels
$344
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.
$5,866 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,866/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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 NOT IN SUBDIVISION
$344 vs $253
Days on market
284 vs 62 typical
Where $344/sqft sits among the 123 homes for sale in NOT IN SUBDIVISION
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)
57 of 123
NOT IN SUBDIVISION have cut their price
Median sold price, Cedar Key, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 816% 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 16931 SW 133RD STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$485,000
4510 CINDY ROAD · same community
4 bd · 4 ba · 2,520 sqft · $192/sqft · 86 DOM
Sold · Jan ’26$35,658
308 MARTIN LUTHER KING BOULEVARD · same community
4 bd · 2 ba · 2,712 sqft · $13/sqft · 43 DOM
Sold · Mar ’26$1,450,000
3800 GERBER DAIRY ROAD · same community
3 bd · 2 ba · 2,406 sqft · $603/sqft · 14 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 16931 SW 133RD STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 16931 SW 133RD 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.
Straight answers
16931 SW 133RD STREET FAQs
What would the monthly payment be for 16931 SW 133RD STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,866/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 16931 SW 133RD STREET?+
The most recent tax bill on record (2024) was $6,320. 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 $897,500, this home is listed about 122% 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
$897,500 runs 816% above the CEDAR KEY 32625 median — but at 2,612 sqft it's also nearly twice the size of the typical Cedar Key listing.
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
284 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 $937,700, now $897,500 — a $40K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COOKIE KING REAL ESTATE, INC · Cookie King. MLS #OM711795.
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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