12391 Live Oak St, Cedar Key, FL, 32625
About This Home
Wow! Here's a great opportunity to snag an island cottage off the coast of Florida! This charming one-bedroom, one-bath cottage sits on a sleepy little block in historic Cedar Key! It is equipped with a nice great room for entertaining, with painted plank wood floors and lots of light from many windows. The large-screen television is even included! The brand new kitchen offers a pristine spot to prepare from, with solid surface counters, new cabinets, stainless appliances, including a two-burner induction cooktop and a convection/microwave combination oven. The bedroom, with its aromatic cedar ceiling, has lots of windows for extra lighting. The new bathroom has a nicely tiled shower with upgraded shower fixtures, and the washer/dryer combination unit has shelving and hanging spots for clothing alongside. Ready to relax with a beverage? Sit under the trees on the nice wood deck off the side breezeway entrance, or sit on the enclosed front porch, which is currently used as a sleeping porch for a guest. Located in the old families area of the island called "Kiss-Me-Quick," this home is a short walk or a quick bike ride to the downtown, with gift shops, restaurants, bars and coffee shops. Zip in to the library or to the community garden. Stop by the local bakery for a treat, or have an ice cream cone, and enjoy it on a public bench. Relax in the City Park, watching the dolphins and sea birds at play. Soak up the relaxed pace of an "Old Florida" island atmosphere, preserved and protected here on this treasured island. You need to see it.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1920
Materials
- Foundation: Crawl Space
- Roof: Metal
- Construction materials: Board & Batten Siding,T-111,Wood Siding,Frame
Type & Style
- Home type: SingleFamily
- Architectural style: Cottage,Cracker,Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Induction Cooktop,Dryer,Microwave,Convection Oven,Refrigerator,Washer,Washer - Front Load
- Laundry features: Laundry Closet
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 1
- Full bathrooms: 1
Features
- Ceiling Fan(s),Chair Rail,Corian Counter
- Window features: Double Pane Windows,Blinds
- Flooring: Luxury Vinyl Planking,Tile,Wood
- Fireplace features: None
Heating
- Heating features: Ductless,Multiple Units,Other
Interior Area
- Total structure area: 800
- Total interior livable area: 800 sqft
Master Bathroom
- Features: Shower Only,Walk-in Shower
Master Bedroom
- Level: Main
Property
Details
- Parcel number: 0879900000
Features
- Patio & porch: Enclosed Porch,Open Deck
- Topography of land: Level
Lot
- Lot size: 9,147 sqft
- Features: Multiple Lots,Rectangular Lot,Typical,Native Plants,Partially Landscaped,Wooded,Flood Plain
Parking
- Parking features: Driveway,Concrete,Dirt
- Has uncovered spaces: Yes
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Coastal Flooding
- Lightning
- Hurricane
- Cold Wave
- Tornado
- Wildfire
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Levy County and Florida
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,107 | $13,284 |
| Home Insurance * | $94 | $1,128 |
| Property Taxes | $118 | $1,416 |
| Electricity | $197 | $2,366 |
| Total | $1,516 | $18,192 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-01-23 | Price change | $229,000 |
| 2025-06-27 | Price change | $249,000 |
| 2025-03-19 | Listed for sale | $265,000 |
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