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About This Home

This 3-bedroom, 3-bathroom single family at 16431 SW 120th Pl in Cedar Key, FL is listed for $679,000 ($165 per sqft). Built in 1993, the home offers 4,114 sqft of living space on a 0.46 acres lot.

Agent Description

Discover the perfect blend of coastal charm and modern comfort with this beautifully updated 3-bedroom, 3-bath waterfront home in Cedar Key. Whether you're searching for a full-time residence, a relaxing second home, or a high-potential rental property, this checks all the boxes.

Nestled on a spacious and private waterfront lot, this elevated 2-bedroom, 2-bath home with 1-large room and 1-bath downstairs offers the perfect blend of comfort, natural beauty, and direct access to the Gulf. Step inside to find a thoughtfully renovated interior featuring a brand-new kitchen with quartz countertops, new appliances including a dou

ble-oven and gas stove top and plenty of counter and cabinet space that would make any chef feel excited to showcase their talent. Stylish, beautiful luxury vinyl planking throughout the entire house makes the home feel warm and modern. The open layout creates a welcoming feel, while the family room boasts soaring ceilings that bring in natural light and highlight the home's spacious design.

The huge front sunroom is a standout feature, offering panoramic water views and the perfect spot to relax with a morning coffee or unwind after a day on the water. Outside, the home has been freshly painted within the last two years, offering peace of mind and great curb appeal.

The property includes a garage with an additional storage room-perfect for fishing gear, kayaks, or tools. Park your boat, golf cart or vehicle and still have plenty of space in the work room. Enjoy true waterfront living with your own dock, ideal for fishing, relaxing, or launching your next adventure.

A boat lift is already in place, adding extra convenience for boaters. Nature lovers will appreciate the abundance of wildlife right outside their door. Watch osprey soar overhead and enjoy a variety of coastal birds that make this area so special. Fishing is available right outside the door from the shore or easy kayak and boat access.

With direct water access and breathtaking views, this home is a rare find and offers the best of the laid-back lifestyle Cedar Key is known for. This is more than a home-it's a coastal retreat with endless possibilities. Whether you're looking for a full-time residence, vacation getaway, or investment property, this Cedar Key gem checks every box.

With its large lot, direct water access, and peaceful location, beautiful home, it's a rare find in a unique and welcoming community. Don't miss the chance to own a piece of Old Florida charm with modern amenities-schedule your private tour today and discover all this exceptional property has to offer!

Key Features

  • Built in 1993
  • 0.46 acre lot
  • Fireplace
  • Waterfront

Property Details

3 full
1993

Amenities

FireplaceWaterfront

Monthly Cost Estimate

$3,631/mo

20% down · 6.5% · 30 years

Principal$491
Interest$2,942
Insurance$198

Estimates only. Actual payments may vary.

Location

16431 SW 120th Pl

Cedar Key, FL 32625

Cedar Key Shores

Features & Amenities

Interior Features

Book Case(s)Ceiling FansFireplaceGreat RoomKitchen IslandLaundry/Utility RoomOpen Floor PlanPantryW/D Hookups

Exterior Features

Enclosed PorchOutdoor LightsScreened Porch

Property Details

Flooring

TileVinyl

Construction

Block

Pool Features

Porch

Parking

Garage - AttachedOpen

Heating

Fireplace(s)CentralElectric (Heating)Ductless (Heating)

Questions & Answers

This 3-bedroom, 3-bathroom single family at 16431 SW 120th Pl is listed at $679,000 ($165/sqft). The estimated monthly payment is $2,942 based on 20% down at 6.5% interest.

Key features include: Built in 1993, 0.46 acre lot, Fireplace, Waterfront. Interior Features: Book Case(s), Ceiling Fans, Fireplace. Exterior Features: Enclosed Porch, Outdoor Lights, Screened Porch.

This property is listed by Melinda Allen and can be reached at 3522228585 or mendy.pelican@gmail.com.

MA

Melinda Allen

Agent at Pelican Realty

(352) 222-8585

Listed by Pelican Realty · View on Broker Site

MLS# 798870· Source: listhub· Updated 71 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.

16431 SW 120th Pl, Cedar Key, FL 32625

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