Lot 2 SW 165TH AVENUE, CEDAR KEY, FL, 32625
Active43 days on marketListed Sep 1, 2026MLS #C7530260
About this home
Lot 2 SW 165TH AVENUE
BUILD YOUR CEDAR KEY DREAM HOME! Discover the charm of Old Florida with this beautiful 12,000-square-foot residential building lot, ideally located less than 2 miles from downtown Cedar Key. With paved road access, public utilities available, NO HOA FEES and NO DEED RESTRICTIONS, this oversized homesite offers the freedom and space to create your own coastal retreat. Imagine building an elevated Florida home surrounded by beautiful mature trees, with plenty of room for boat and vehicle parking, outdoor living, and all the toys that come with the Gulf Coast lifestyle. Hop on your golf cart or bike and head into downtown Cedar Key, where you'll find fresh seafood restaurants, local shops, ice cream, the library, city park, beach, post office, and marina. Cedar Key captures the character of a quiet, historic fishing village while offering access to some of Florida's most beautiful natural surroundings. Spend your days boating, fishing, kayaking, exploring the Cedar Keys National Wildlife Refuge and Cedar Key Museum State Park, or simply relaxing along the waterfront and enjoying spectacular Gulf sunsets. As Florida's Gulf Coast continues to grow, Cedar Key remains a special destination with a relaxed pace and unmistakable Old Florida appeal. Whether you're considering a full-time residence, seasonal getaway, or future investment, this generous homesite offers an exciting opportunity to secure your piece of Florida's Nature Coast. Bring your house plans, boat and golf cart—and start imagining life in Cedar Key!
Facts & features
The home at a glance
0.27 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.
$637 /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
$637/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
89.2%
Sale-to-list ratio (12 mo)
Median sold price, Cedar Key, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 60% below the CEDAR KEY 32625 median. See the full Cedar Key market guide →
Paper trail
This home's history
Reality check
What actually sold near Lot 2 SW 165TH AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$208,500
1149 SHELL CREST AVENUE
2 bd · 2 ba · 1,104 sqft · $189/sqft · 344 DOM
Sold · Feb ’26$148,000
12303 CEDAR STREET
2 bd · 2 ba · 1,248 sqft · $119/sqft · 113 DOM
Sold · Sep ’26$410,000
12631 HODGSON AVENUE
2 bd · 2 ba · 1,262 sqft · $325/sqft · 549 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
Kemarie Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about Lot 2 SW 165TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for Lot 2 SW 165TH AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
Lot 2 SW 165TH AVENUE FAQs
What would the monthly payment be for Lot 2 SW 165TH AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $637/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 Lot 2 SW 165TH AVENUE?+
The most recent tax bill on record (2025) was $601. 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 $67,500, this home is listed about 83% below the Cedar Key median of $391,450. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ISLAND LIFE REAL ESTATE · Traci Creighton. MLS #C7530260.
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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