# 12226 Franko Cir, Cedar Key, FL 32625 > **TL;DR:** 2bd/2ba single family, $605,000 ($360/sqft), built 1960, 1,680 sqft. > Waterfront. Est. $3,235/mo. Listed 171 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $605,000 | | Price/sqft | $360 | | Bedrooms | 2 | | Bathrooms | 2 full | | Square Feet | 1,680 | | Year Built | 1960 | | Lot Size | 9,148 sqft (0.21 acres) | | Property Type | Single Family (Other) | | Status | Active | | Days on Market | 171 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $3,059 | | Estimated Insurance | $176 | | **Total** | **$3,235** | ## Key Amenities - Waterfront ## Property Highlights - Built in 1960 - 0.21 acre lot - Waterfront ## Description ### 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. ## Location - **Address:** 12226 Franko Cir, Cedar Key, FL 32625 - **County:** Levy - **Coordinates:** 29.1487671, -83.0335235 - **Google Maps:** https://www.google.com/maps?q=29.1487671,-83.0335235 ## Virtual Tour & Media - **Video Tour:** tour.usamls.net/12226-Franko-Cir-Cedar-Key-FL-32625/unbranded ## Listing Agent - **Name:** Angela Beckham - **Brokerage:** Cedar Key Realty, Inc. - **Phone:** 9042061257 - **Broker Phone:** (352) 543-9899 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/12226-Franko-Cir_Cedar-Key_FL_32625_M69183-17282?f=listhub&s=DGLMLSFL&m=798915&c=propsimple) ## Photos ![12226 Franko Cir - Photo 1](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f3629056380r.jpg) ![12226 Franko Cir - Photo 2](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f2871185087r.jpg) ![12226 Franko Cir - Photo 3](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f576478041r.jpg) ![12226 Franko Cir - Photo 4](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f2888088410r.jpg) ![12226 Franko Cir - Photo 5](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f1495044482r.jpg) ![12226 Franko Cir - Photo 6](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f3428125559r.jpg) ![12226 Franko Cir - Photo 7](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f2140700774r.jpg) ![12226 Franko Cir - Photo 8](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f1572949345r.jpg) ![12226 Franko Cir - Photo 9](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f2696751333r.jpg) ![12226 Franko Cir - Photo 10](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f2592246141r.jpg) ![12226 Franko Cir - Photo 11](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f4133468708r.jpg) ![12226 Franko Cir - Photo 12](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f3529561503r.jpg) ![12226 Franko Cir - Photo 13](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f821972692r.jpg) ![12226 Franko Cir - Photo 14](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f1603047216r.jpg) ![12226 Franko Cir - Photo 15](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f3566916148r.jpg) ![12226 Franko Cir - Photo 16](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f3668517139r.jpg) ![12226 Franko Cir - Photo 17](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f2241027162r.jpg) ![12226 Franko Cir - Photo 18](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f906809531r.jpg) ![12226 Franko Cir - Photo 19](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f1153402701r.jpg) ![12226 Franko Cir - Photo 20](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f3267226338r.jpg) ![12226 Franko Cir - Photo 21](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f2469044035r.jpg) ![12226 Franko Cir - Photo 22](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f1623604355r.jpg) ![12226 Franko Cir - Photo 23](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f631228939r.jpg) ![12226 Franko Cir - Photo 24](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f48181350r.jpg) ![12226 Franko Cir - Photo 25](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f2269530775r.jpg) ![12226 Franko Cir - Photo 26](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f3926764098r.jpg) ![12226 Franko Cir - Photo 27](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f1633314551r.jpg) ![12226 Franko Cir - Photo 28](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f1128202780r.jpg) ![12226 Franko Cir - Photo 29](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f1200401301r.jpg) ![12226 Franko Cir - Photo 30](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f2648519326r.jpg) ![12226 Franko Cir - Photo 31](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f1807870489r.jpg) ![12226 Franko Cir - Photo 32](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f3812303918r.jpg) ![12226 Franko Cir - Photo 33](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f3526649724r.jpg) ![12226 Franko Cir - Photo 34](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f3810620819r.jpg) ![12226 Franko Cir - Photo 35](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f1415666978r.jpg) ![12226 Franko Cir - Photo 36](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f3549323653r.jpg) ![12226 Franko Cir - Photo 37](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f3558004291r.jpg) ![12226 Franko Cir - Photo 38](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f3748374067r.jpg) ![12226 Franko Cir - Photo 39](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f2040224526r.jpg) ![12226 Franko Cir - Photo 40](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f1600297379r.jpg) ![12226 Franko Cir - Photo 41](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f2484432207r.jpg) ![12226 Franko Cir - Photo 42](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f1025695652r.jpg) ![12226 Franko Cir - Photo 43](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f3540613486r.jpg) ![12226 Franko Cir - Photo 44](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f1990013520r.jpg) ![12226 Franko Cir - Photo 45](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f3207945269r.jpg) ![12226 Franko Cir - Photo 46](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f1882603501r.jpg) ![12226 Franko Cir - Photo 47](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f2922034431r.jpg) ![12226 Franko Cir - Photo 48](http://lh.rdcpix.com/659e738f3d178f1c8108f4e8116a263dl-f1741143278r.jpg) --- **MLS#:** 798915 | **Updated:** 2026-07-02 **Source:** listhub *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.* [View on PropertySimple](https://www.propertysimple.ai/listing/12226-franko-cir-cedar-key-fl-32625-l798915) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/12226-franko-cir-cedar-key-fl-32625-l798915#listing", "url": "https://www.propertysimple.ai/listing/12226-franko-cir-cedar-key-fl-32625-l798915", "name": "12226 Franko Cir, Cedar Key, FL 32625", "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. 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