12301 CEDAR STREET, CEDAR KEY, FL, 32625
Active433 days on marketListed May 16, 2025MLS #W7875633
About this home
12301 CEDAR STREET
This beautiful brick home in Cedar Key has never flooded and is high and dry! The home is laid out with a split floor plan, a kitchen with brand new refrigerator and stove, gorgeous cedar butcher-block plank countertops with a matching pass through/bar to the dining room. White wood cabinets in the kitchen with a large pantry. Wood baseboards throughout, updated kitchen AND bathrooms. Large Master bedroom with a walk-in shower, the same beautiful wood countertops and dual sinks. There's 2 more bedrooms (one with a walk-in closet!), one has an exterior door that would make a great office and a guest bath (same wood countertops and beautiful tile in the shower/tub combo) on the other end of the home. It's on a corner lot and plenty of storage in the shed! Cedar Key is very popular with plenty to do! Prime fishing, shops, restaurants and a beach! Call today to see this gem.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,459
Sqft
0.14 ac
Lot size
1965
Year built
One
Levels
$239
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.
$2,915 /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
$2,915/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 180% above 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 12301 CEDAR STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12301 CEDAR 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
12301 CEDAR STREET FAQs
What would the monthly payment be for 12301 CEDAR STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,915/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 12301 CEDAR STREET?+
The most recent tax bill on record (2024) was $6,549. 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 $349,000, this home is listed about 14% 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
$349,000 runs 180% above the CEDAR KEY 32625 median — but at 1,459 sqft it's also 20% larger than the typical Cedar Key listing.
02Time on market is leverage
433 days on market against a Cedar Key median of 62 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $379,000, now $349,000 — a $30K cut. The full history is in the market section below.
Listing courtesy of BIG BEND HOME & LAND LLC · Nancy Zubler-Turner. MLS #W7875633.
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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