# 16431 SW 120th Pl, Cedar Key, FL 32625 > **TL;DR:** 3bd/3ba single family, $679,000 ($321/sqft), built 1993, 2,116 sqft. > Fireplace, Waterfront. Est. $3,631/mo. Listed 179 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $679,000 | | Price/sqft | $321 | | Bedrooms | 3 | | Bathrooms | 3 full | | Square Feet | 2,116 | | Year Built | 1993 | | Lot Size | 20,038 sqft (0.46 acres) | | Property Type | Single Family (Other) | | Status | Active | | Days on Market | 179 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $3,433 | | Estimated Insurance | $198 | | **Total** | **$3,631** | ## Key Amenities - Fireplace - Waterfront ## Property Highlights - Built in 1993 - 0.46 acre lot - Fireplace - Waterfront ## Description ### 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 double-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! ## Location - **Address:** 16431 SW 120th Pl, Cedar Key, FL 32625 - **County:** Levy - **Neighborhood:** Cedar Key Shores - **Coordinates:** 29.1525419, -83.0454739 - **Google Maps:** https://www.google.com/maps?q=29.1525419,-83.0454739 ## Virtual Tour & Media - **Video Tour:** view.skymonkey.media/x2266938 ## Listing Agent - **Name:** Melinda Allen - **Brokerage:** Pelican Realty - **Phone:** 3522228585 - **Broker Phone:** (352) 543-5581 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/16431-SW-120th-Pl_Cedar-Key_FL_32625_M51484-70303?f=listhub&s=DGLMLSFL&m=798870&c=propsimple) ## Photos ![16431 SW 120th Pl - Photo 1](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f4006561724r.jpg) ![16431 SW 120th Pl - Photo 2](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f3003998999r.jpg) ![16431 SW 120th Pl - Photo 3](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f229209207r.jpg) ![16431 SW 120th Pl - Photo 4](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f412699734r.jpg) ![16431 SW 120th Pl - Photo 5](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f2397411296r.jpg) ![16431 SW 120th Pl - Photo 6](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f3393647361r.jpg) ![16431 SW 120th Pl - Photo 7](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f1469791233r.jpg) ![16431 SW 120th Pl - Photo 8](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f1609140125r.jpg) ![16431 SW 120th Pl - Photo 9](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f177802022r.jpg) ![16431 SW 120th Pl - Photo 10](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f1150551043r.jpg) ![16431 SW 120th Pl - Photo 11](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f4259129797r.jpg) ![16431 SW 120th Pl - Photo 12](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f3072582643r.jpg) ![16431 SW 120th Pl - Photo 13](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f2033545753r.jpg) ![16431 SW 120th Pl - Photo 14](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f1576556855r.jpg) ![16431 SW 120th Pl - Photo 15](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f4265684248r.jpg) ![16431 SW 120th Pl - Photo 16](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f2527904442r.jpg) ![16431 SW 120th Pl - Photo 17](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f2164329683r.jpg) ![16431 SW 120th Pl - Photo 18](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f3324296865r.jpg) ![16431 SW 120th Pl - Photo 19](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f2353886180r.jpg) ![16431 SW 120th Pl - Photo 20](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f2452059071r.jpg) ![16431 SW 120th Pl - Photo 21](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f2944594630r.jpg) ![16431 SW 120th Pl - Photo 22](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f1329419027r.jpg) ![16431 SW 120th Pl - Photo 23](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f3657556757r.jpg) ![16431 SW 120th Pl - Photo 24](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f938679301r.jpg) ![16431 SW 120th Pl - Photo 25](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f1165119787r.jpg) ![16431 SW 120th Pl - Photo 26](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f3653505414r.jpg) ![16431 SW 120th Pl - Photo 27](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f1169320783r.jpg) ![16431 SW 120th Pl - Photo 28](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f4199924551r.jpg) ![16431 SW 120th Pl - Photo 29](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f384990945r.jpg) ![16431 SW 120th Pl - Photo 30](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f4222925834r.jpg) ![16431 SW 120th Pl - Photo 31](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f3206357462r.jpg) ![16431 SW 120th Pl - Photo 32](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f2129896284r.jpg) ![16431 SW 120th Pl - Photo 33](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f1171904952r.jpg) ![16431 SW 120th Pl - Photo 34](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f4147829222r.jpg) ![16431 SW 120th Pl - Photo 35](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f2206546159r.jpg) ![16431 SW 120th Pl - Photo 36](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f3488914550r.jpg) ![16431 SW 120th Pl - Photo 37](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f1498144792r.jpg) ![16431 SW 120th Pl - Photo 38](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f3865953479r.jpg) ![16431 SW 120th Pl - Photo 39](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f3916462907r.jpg) ![16431 SW 120th Pl - Photo 40](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f688141584r.jpg) ![16431 SW 120th Pl - Photo 41](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f405391312r.jpg) ![16431 SW 120th Pl - Photo 42](http://lh.rdcpix.com/620b38562a854998afed99d22868877dl-f3022777530r.jpg) --- **MLS#:** 798870 | **Updated:** 2026-09-16 **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/16431-sw-120th-pl-cedar-key-fl-32625-l798870) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/16431-sw-120th-pl-cedar-key-fl-32625-l798870#listing", "url": "https://www.propertysimple.ai/listing/16431-sw-120th-pl-cedar-key-fl-32625-l798870", "name": "16431 SW 120th Pl, Cedar Key, FL 32625", "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 double-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. 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