About This Home

This 2-bedroom, 3-bathroom single family at 409 2nd St in Cedar Key, FL is listed for $649,000 ($288 per sqft). Built in 1901, the home offers 2,250 sqft of living space on a 0.06 acres lot.

Key Features

  • Built in 1901
  • 0.06 acre lot

Property Details

3 full
1901

Amenities

Hardwood
Listing Description

Discover a rare piece of "Old Florida" history in the absolute heart of the Historic District of Downtown Cedar Key. This captivating, income-generating multi-unit commercial property offers a flawless blend of immediate revenue streams and untapped creative potential.

Located just steps from the waterfront, local parks, shops, and dining, this property perfectly captures the relaxed coastal charm that brings visitors to Cedar Key year after year. The ground floor features a spacious, high-visibility storefront with an active commercial lease already in place, securing steady income from day one.

Accessible via a private rear entrance, the upper level reveals a beautifully updated 2-bedroom, 2-bathroom residence optimized for the lucrative vacation rental market-or ready to serve as your personal historic homestead. Guests are welcomed by gorgeous wood stairs and a grand foyer with soaring high ceilings.

The main floor boasts rich hardwood floors, a stackable laundry area, a full bathroom with a walk-in shower, and a fully equipped kitchen complete with granite countertops. Massive wraparound windows flood the living space with natural light, opening up to a private porch where you can watch the historic downtown bustle by.

Upstairs, you will find two bedrooms, a full bath with brand-new flooring, and a private patio offering serene views of the backwater. The crown jewel of this property is the historic adjacent carriage house. Serving as a blank canvas, this standout feature is ready to be transformed into a boutique art gallery, a cozy caf, or a third vacation rent

al unit to maximize your return on investment or just use for storing your golf cart, kayak or canoe to enjoy many days on the Gulf! With a beautifully updated courtyard, a brand-new upstairs porch roof, and an updated water heater, this turnkey historic gem is completely ready for its next chapter of history!

Monthly Cost Estimate

$3,471/mo

20% down · 6.5% · 30 years

Principal$469
Interest$2,812
Insurance$189

Estimates only. Actual payments may vary.

Location

409 2nd St

Cedar Key, FL 32625

Features & Amenities

Interior Features

Ceiling FansCrown MoldingGranite CounterGreat RoomLaundry ClosetSeparate Dining RoomWindow Treatment

Exterior Features

BalconyCourtyardCovered PatioCovered PorchGutters/Downspouts

Property Details

Flooring

HardwoodConcrete

Construction

Concrete

Outdoor Features

PorchPatio

Parking

Off Street

Heating

Electric (Heating)CentralDuctless (Heating)

Appliances

Cook Top - ElectricDishwasherDryer - ElectricMicrowaveRange - ElectricRange HoodRefrigeratorStacked Washer/Dryer

Questions & Answers

This 2-bedroom, 3-bathroom single family at 409 2nd St is listed at $649,000 ($288/sqft). The estimated monthly payment is $3,471 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance.

Key features include: Built in 1901, 0.06 acre lot. Interior Features: Ceiling Fans, Crown Molding, Granite Counter. Exterior Features: Balcony, Courtyard, Covered Patio.

This property is listed by Melinda Allen and can be reached at 3522228585.

MA

Melinda Allen

Agent at Pelican Realty

(352) 222-8585

Listed by Pelican Realty · Broker phone: (352) 543-5581 · View on Broker Site

MLS# 799938· Source: Dixie-Gilchrist-Levy Multiple Listing Service· 3 days on PropertySimple

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.

409 2nd St, Cedar Key, FL 32625

Open this listing in: