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About This Home

This 2-bedroom, 2-bathroom single family at 12226 Franko Cir in Cedar Key, FL is listed for $605,000 ($360 per sqft). Built in 1960, the home offers 1,680 sqft of living space on a 0.21 acres lot.

Agent Description

Tucked away in the laid-back charm of Cedar Key, this waterfront retreat offers the perfect blend of coastal serenity and opportunity. Whether you're looking for a full-time residence, vacation getaway, or investment property, this home delivers unbeatable Gulf views and endless potential.

Upstairs, you'll find a bright and inviting 2-bedroom, 2-bath layout designed to capture the beauty of waterfront living. Natural light pours in, while the open living spaces create a relaxed, airy feel perfect for entertaining or unwinding after a day on the water.

Step outside onto your expansive deck overlooking the water, where you can enjoy morning coffee with sunrise reflections and evening breezes off the Gulf. Just steps away, your private dock provides direct access to some of the best fishing, boating, and kayaking that Cedar Key has to offer.

The ground level presents a rare opportunity for customization, already primed for renovation into additional living space. Envision a game room, guest suite, extra bedroom and bath, or a spacious entertainment area-the possibilities are wide open to fit your lifestyle and needs.

Highlights include: Prime waterfront location with stunning views Private dock for boating and fishing Large deck perfect for outdoor living 2 bedrooms / 2 baths upstairs Ground floor ready to be transformed into additional living space Ideal for full-time living, vacation home, or income-producing rental This is more than just a home-it's a chance to create your own piece of paradise in one of Florida's most beloved island communities.

Key Features

  • Built in 1960
  • 0.21 acre lot
  • Waterfront

Property Details

2 full
1960

Amenities

Waterfront

Monthly Cost Estimate

$3,236/mo

20% down · 6.5% · 30 years

Principal$438
Interest$2,622
Insurance$176

Estimates only. Actual payments may vary.

Location

12226 Franko Cir

Cedar Key, FL 32625

Features & Amenities

Interior Features

BlindsCeiling FansLaundry/Utility Room

Exterior Features

BalconyOpen Deck

Property Details

Flooring

Vinyl

Construction

Frame

Pool Features

Deck

Heating

Ductless (Heating)CentralElectric (Heating)

Questions & Answers

This 2-bedroom, 2-bathroom single family at 12226 Franko Cir is listed at $605,000 ($360/sqft). The estimated monthly payment is $2,622 based on 20% down at 6.5% interest.

Key features include: Built in 1960, 0.21 acre lot, Waterfront. Interior Features: Blinds, Ceiling Fans, Laundry/Utility Room. Exterior Features: Balcony, Open Deck.

This property is listed by Angela Beckham and can be reached at 9042061257 or angiebeckham@me.com.

AB

Angela Beckham

Agent at Cedar Key Realty, Inc.

(904) 206-1257

Listed by Cedar Key Realty, Inc. · View on Broker Site

MLS# 798915· Source: listhub· Updated 63 days ago

Copyright © 2026 Dixie-Gilchrist-Levy Multiple Listing Service. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

12226 Franko Cir, Cedar Key, FL 32625

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