7890 SW 129TH AVENUE, CEDAR KEY, FL, 32625
Active81 days on marketListed May 5, 2026MLS #OM724091
About this home
7890 SW 129TH AVENUE
Welcome to this nearly new 2023 block home located in a desirable homes-only, deed-restricted community in Cedar Key! Offering 3 bedrooms, 2 bathrooms, and 1,912 square feet of living space (3,088 total under roof), this home blends quality construction with thoughtful design and modern finishes. Step inside to an open-concept living, dining, and kitchen area featuring soaring 10’8” ceilings and durable luxury vinyl plank flooring throughout. The kitchen is designed for both function and style with white shaker cabinets, quartz countertops throughout, a spacious walk-in pantry with custom wood-stained shelving, and an impressive 8-foot island perfect for entertaining. The primary suite is a true retreat, complete with a tray ceiling, oversized walk-in closet, and a luxurious ensuite bath featuring an 8-foot vanity with a linen cabinet and a custom tile walk-in shower. The guest bathroom is equally well-appointed with a custom tile tub/shower combination. Additional interior features include a dedicated laundry room with tile floors, cabinetry, and built-in shelving for added convenience and storage. Enjoy outdoor living on the screened-in porch overlooking a huge fenced backyard—ideal for pets, gatherings, or future additions. The home also features elegant travertine steps and front porch, a carport, and a gravel driveway all tied in together with beautiful landscaping. A standout feature is the 12x16 detached shop, fully finished with drywall, LVP flooring, and air conditioning—perfect for a home office, gym, or hobby space. Located in Flood Zone X for added peace of mind, this property offers both comfort and convenience in a quiet Cedar Key setting.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,912
Sqft
1.44 ac
Lot size
2023
Year built
One
Levels
$259
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.
$3,665 /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
$3,665/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
$259 vs $269
Days on market
81 vs 62 typical
Where $259/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 313% 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 7890 SW 129TH AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$375,000
13481 SW 75TH STREET
3 bd · 2 ba · 1,540 sqft · $244/sqft · 241 DOM
Sold · Jan ’26$346,000
7790 SW 129TH AVENUE
3 bd · 2 ba · 1,331 sqft · $260/sqft · 144 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 7890 SW 129TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 7890 SW 129TH 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
7890 SW 129TH AVENUE FAQs
What would the monthly payment be for 7890 SW 129TH AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,665/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 7890 SW 129TH AVENUE?+
The most recent tax bill on record (2025) was $4,461. 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 $495,000, this home is listed about 22% above 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
$495,000 runs 313% above the CEDAR KEY 32625 median — but at 1,912 sqft it's also 57% larger than the typical Cedar Key listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $505,000, now $495,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CMTG REAL ESTATE GROUP · Gena Bullard. MLS #OM724091.
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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