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About This Home

This 3-bedroom, 3-bathroom single family at 16851 Susan St in Cedar Key, FL is listed for $697,000 ($192 per sqft). Built in 1990, the home offers 3,631 sqft of living space on a 0.33 acres lot.

Agent Description

Perched high above the Gulf on an away from the crowd location, this immaculate three-bedroom, three-bath residence is a master class in coastal living-where architectural strength meets refined comfort. Built with elevation and endurance in mind, the home offers rare peace of mind: absolutely no flooding history or anything even close, impact wind

ows or hurricane protection on every door and window, and a front wall engineered to withstand winds up to 210 mph, anchored by five structurally designed floor-to-ceiling beams, each a formidable ten inches wide. This is coastal construction at its most serious-and most beautiful.

Inside, light pours through expansive glass into gracious living spaces anchored by gas fireplaces and a stunning sunroom that invites morning coffee and sunset reflections alike. A screened porch extends the living experience outdoors, while a motorized sun shade creates a year-round entertaining retreat.

The home is thoughtfully appointed with a washer and dryer included, and every space reflects meticulous care. Beyond the main residence, a separate studio bedroom and bathroom offer exceptional flexibility-ideal for guests, a private workspace, or income-producing rental quarters.

A two-car garage, workshop/shed, outdoor shower, and ample boat parking speak directly to the island lifestyle, while fully landscaped grounds complete the picture with effortless curb appeal. Every detail has been considered. Every system maintained.

Every space immaculate. This is not simply a home-it is a fortified sanctuary by the sea, designed for those who value resilience, comfort, and the rare privilege of island living. Schedule your private showing today and experience this extraordinary Gulf retreat firsthand.

Key Features

  • Built in 1990
  • 0.33 acre lot
  • Fireplace

Property Details

3 full
1990

Amenities

FireplaceRV Parking

Monthly Cost Estimate

$3,728/mo

20% down · 6.5% · 30 years

Principal$504
Interest$3,020
Insurance$203

Estimates only. Actual payments may vary.

Location

16851 Susan St

Cedar Key, FL 32625

Cedar Key Shores

Features & Amenities

Interior Features

Ceiling FansCorian CounterFamily RoomFireplaceLaundry/Utility RoomLiving RoomOpen Floor PlanWalk-in Closet(s)Window Treatment

Exterior Features

Covered DeckGazeboOpen DeckOutdoor LightsPatioScreened PorchSeparate Entrance AptWorkshop

Property Details

Flooring

LaminateVinyl

Construction

Frame

Pool Features

DeckPatioPorch

Parking

DrivewayGarage - AttachedBoatOff Street

Heating

Natural GasCentralElectric (Heating)

Questions & Answers

This 3-bedroom, 3-bathroom single family at 16851 Susan St is listed at $697,000 ($192/sqft). The estimated monthly payment is $3,020 based on 20% down at 6.5% interest.

Key features include: Built in 1990, 0.33 acre lot, Fireplace. Interior Features: Ceiling Fans, Corian Counter, Family Room. Exterior Features: Covered Deck, Gazebo, Open Deck.

This property is listed by Caryn Stephenson and can be reached at 3522280420 or carynd@gmail.com.

CS

Caryn Stephenson

Agent at Pelican Realty

(352) 228-0420

Listed by Pelican Realty · View on Broker Site

MLS# 796494· Source: listhub· Updated 121 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.

16851 Susan St, Cedar Key, FL 32625

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