4051 D St, photo 1
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Overview

6 bd4 ba2,036 sqftDuplex
TypeDuplex
HOANone listed
Built1945
Lot12,632 sqft
Living area2,036 sqft
Price / sqft$243

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)Balcony

4051 D St is a 1945-built home in Map Of Southern Part Of Cedar Key, Cedar Key. Inside you'll find 6 bedrooms, 4 bathrooms, and 2,036 square feet of living space. Listed at $495,000 (about $243/sqft), 33 days on market. Flood zone AE - confirm flood insurance requirements with your lender.

From the listing

Virtually Staged. Opportunity is knocking in the heart of Cedar Key! Bursting with character, flexibility, and income-producing potential, 4051 D Street is a truly unique mixed-use property where business and coastal living come together. Currently operating as a property management office with rental units, the property has also previously served as a charming coffee shop and veterinary office—showcasing just how adaptable this one-of-a-kind space can be. The residential accommodations have an impressive mix of four units: a detached two-bedroom, one-bath residence with a bathtub; two one-bedroom, one-bath units with showers; and an additional two-bedroom, one-bath unit with a shower. This varied layout opens the door to countless possibilities, from short- or long-term rentals and employee housing to professional offices, retail, hospitality, or an exciting live-work concept. Bring your vision and make this property your own—open the business you have always dreamed of, expand your investment portfolio, or create a destination that captures the unmistakable charm of Cedar Key. With multiple income streams and room for fresh ideas, this is much more than a property—it is an opportunity waiting to happen. Commercial uses are subject to applicable zoning and approvals.

The essentials

Built
1945
Price / sqft
$243
On market
47 days
Annual tax
$9,290
Flood zone
AE
Lot
12,632 sqft
Type
Duplex

At a glance

Multi-family
Built 1945
Waterfront
Canal - Saltwater
0.29 acres
Lot size
2,036 sqft
Living area

Payment

Est. monthly payment
$3,604/mo
Down payment (20%)
$99,000
Property taxes
$774/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Duplex
Year Built
1945
Lot
12,632 sqft
Cooling
Central Air
Heating
Central
Parking
Golf Cart Parking, Ground Level, Off Street, Open
Waterfront
Canal - Saltwater
Days on Market
47
Ceiling Fans(s)
Balcony
Flood Zone AE
Annual Tax (2025)
$9,290
Parcel #
0865000000

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Map Of Southern Part Of Cedar Key
County
Levy
MLS Area
32625 - Cedar Key
Lot Size
12,632 sqft
City LimitsOversized LotRolling SlopePaved

Price history

Date
Event
Price
9/28/2026
Price change
Source: Stellar MLS #OM730985
$495,000-10.0%
$243/sqft
8/24/2026
Listed for sale
Source: Stellar MLS #OM730985
$550,000
$270/sqft

Neighborhood

4051 D St
Cedar Key, FL, 32625 · 32625 - Cedar Key

Market insights

Offer Insights

Choose an offer strength

List price: $495,000
$470,000 – $495,000
95.2% – 100% of listTops out right at the list price
80% of listList price
178 of the last 354 home closings in Levy County landed at this number or higher (50%). The median one sat 67 days before it went under contract, and this one is on day 47 after a $55,000 cut.

Sample: 354 closed home sales in Levy County over the last 8 months, Stellar MLS. Widened past this ZIP to get a usable sample. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$3,603/mo
Principal & interest$2,582
Property taxes$774
Insurance$248
Down payment20% · $99,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$495,000

$243 per sq ft

Beds and baths

6 beds, 4 baths

Size

2,036 sq ft

Time on market

47 days

Year built

1945

Monthly payment

About $3,604/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $9,290 annual tax bill, insurance.

Flood zone

Zone AE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

What should I offer?

Have another question?

Brokered byCMTG REAL ESTATE GROUPListing agent: Gena BullardListing data from Stellar MLS, MLS# OM730985.

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