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12530 Merle Ave, Cedar Key, FL 32625

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For Sale

$559,000

4 beds • 2 baths • 1 half baths • 2,160 sqft

Estimated Payment

$      /mo. †

APR for 30 years

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  • Single Family Detached
    Property type

  • $258.80
    Price per square foot

  • 21-30 Years Old
    Age

  • Fireplace
    Fireplace

Explore this Property

This beautiful island home sits high and dry, away from flood waters, on plenty of land! The home and separate entry studio apartment, joined by open decks and an elevated walkway, are nestled perfectly in the middle of TWO superior wooded lots. Sit on your porches or deck and be enveloped by exquisite gardens on all sides. With a separate spot for guests--you WILL get guests, once you buy a home on a Florida island--they will have a nice private spot of their own to enjoy! The separate entry studio suite is like heaven, surrounded by the "secret garden" landscape. The cottage has been a good income-producing vacation rental, too, if you don't want to reserve it exclusively for your guests! The split-level home has four sets of French doors opening to the beautiful landscape. Fireplaces on two levels provide a nice cozy spot to unwind should we get a chilly winter night. The third bedroom in the main house is currently used as a den, but would make a great separate dining room, as well. The home has porches galore--on two different levels, and back and front. Sit and sip your lemonade and enjoy the great saltwater view across the street. It's a rare win-win to enjoy a water view while your home is safely outside the flood zone! With an attached garage and a nice long rock driveway, you'll have plenty of room for your cars, golf cart, boat or RV. There is even an underground storm shelter, built well out of the flood zone--just in case you want extra protection. Check it out--it is one of a kind! Just a quick golf cart ride will get you to downtown Cedar Key, where you can enjoy treats from the restaurants, bars, coffee shops and bakery. Drop in on a few of the shops and galleries if you want to pick up a gift. Stop by the library, City Park and beach, or the Community Garden, or just ride through the Historic District and chat with the local folks. Cedar Key is "Old Florida" at its finest--somehow unspoiled, and escaping big development and the trials that come with it. It's time you began your new chapter--island life!
MLS# 794465

Courtesy Of Cedar Key Realty, Inc.

(352) 543-9899

Property Features

  • Age
    21-30 Years Old
  • Amenities
    Deck, Porch, Ceiling Fan, Wired
  • Appliances
    Dishwasher, Garbage Disposer, Range, Refrigerator, Washer
  • Architecture Style
    Split Level
  • Exterior Type
    Vinyl Siding
  • Fireplace
    Fireplace
  • Floor Covering
    Carpet, Laminate, Vinyl, Wood
  • Lot Size
    0.76 Acres
  • Roof Type
    Metal

Map and Directions

Directions to 12530 Merle Ave, Cedar Key, FL 32625

Home seller CENTURY 21 Dianne Chewning & Associates

Get to know the neighborhood. A local affiliated CENTURY 21 office will help you set up tours, give advice, and negotiate with sellers.

CENTURY 21 Dianne Chewning & Associates

(352) 542-8568
Learn More About Us

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Monthly Payment Breakdown

  • Principle and Interest
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  • Property Taxes
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  • Hazard Insurance
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  • Private Mortgage Insurance
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  • HOA Dues
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Calculators provided for estimating purposes only. Consult with your lender to determine precise payment requirements.

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Copyright © 2025 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. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

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This information is provided for general informational purposes only and should not be relied on in making any home-buying decisions. School information does not guarantee enrollment. Contact a local real estate professional or the school district(s) for current information on schools. This information is not intended for use in determining a person's eligibility to attend a school or to use or benefit from other city, town or local services.

† Based on a 30-year fixed rate of 3.38% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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