Cedar Key Homes under $400,000

Cedar Key Homes under $400,000

Welcome to Cedar Key, Florida—a hidden gem nestled along the Gulf Coast that perfectly balances tranquil island life with vibrant community spirit. This charming city, located in Levy County, boasts a rich history and stunning natural beauty, making it an ideal place to call home. With its picturesque waterfront views, lush landscapes, and abundant wildlife, Cedar Key offers a serene escape from the hustle and bustle of everyday life.

One of the most appealing aspects of Cedar Key is its diverse real estate market, particularly for those seeking affordable homes under $400,000. Whether you're a first-time homebuyer, a retiree looking to downsize, or an investor searching for a lucrative opportunity, Cedar Key has something for everyone. From cozy beach cottages to spacious family homes, you'll find properties that perfectly fit your lifestyle and budget.

Living in Cedar Key means embracing a laid-back lifestyle filled with outdoor adventures. Spend your days kayaking through the pristine waters of the Gulf, fishing off the coast, or simply enjoying the breathtaking sunsets from your porch. The local community is known for its friendly atmosphere, with charming shops, delightful restaurants, and vibrant arts and culture scene that make every day feel like a vacation.

With homes under $400,000 readily available, now is the perfect time to explore the unique opportunities Cedar Key has to offer. Experience the magic of this coastal paradise and discover why so many are choosing to make Cedar Key their forever home. Your dream home awaits in this idyllic Florida town!

Newest Cedar Key Homes under $400,000

1025 7th St Unit 2, Cedar Key
$279,000
1 Beds ⋅ 2 Baths ⋅ 799984 MLS
Wake up to the Gulf of Mexico just outside your door in this beautifully updated Gulf-front townhome in Cedar Key! With wide-open water views, a private waterfront deck, and a community dock with a dedicated boat slip scheduled to begin construction in October, this fully furnished unit at Goose Cove offers the kind of island lifestyle that is increasingly hard to find. Inside, the gorgeous new kitchen features quartz countertops, a custom tile backsplash, and a fresh coastal design. Updated impact windows and sliding glass doors bring the Gulf views indoors and open to the waterfront deck, the perfect place to enjoy the breeze, watch the water, and take in Cedar Key's natural beauty. The loft-style bedroom creates a private retreat upstairs with its own bathroom featuring a walk-in shower and glass enclosure. A custom metal railing with a detailed fish and ocean scene adds a distinctive artistic touch and a bit of Cedar Key character to the interior. Parking is convenient, with covered space underneath for a vehicle or golf cart plus an additional parking spot in the driveway area. Once the planned community dock is completed, the dedicated boat slip will add another dimension to this Gulf-front setting, putting boating and fishing right outside your home. Offered fully furnished and ready to enjoy, this townhome works equally well as a full-time residence, weekend escape, or vacation rental. Come for the Gulf views, stay for the easy waterfront lifestyle, and make Cedar Key your place on the water. Schedule your private showing today!

1025 7th St Unit 2, Cedar Key
12870 Whiddon Ave, Cedar Key
$319,000
3 Beds ⋅ 1 Baths ⋅ 799857 MLS
Warning: May Cause an Uncontrollable Urge to Move to Cedar Key! Cute, quirky, and full of Old Florida charm, this 1949 Florida Cracker-style cottage is ready for someone who prefers salty air, flip-flops, and a slower pace of life. With 3 bedrooms and 1 bath, there's plenty of room for family and friends. Kick back in the cozy living room, gather around the table in the dining room, or enjoy your morning coffee and plan the day's adventures from the sunroom. The best part? A new roof was put on in 2021 and It's being sold fully furnished! That means less time moving furniture and more time settling into the Cedar Key lifestyle. Bring your clothes, your fishing poles, and your sense of adventure. Looking for a full-time home, weekend hideaway, or potential seasonal rental? This hideaway on the Back Bayou gives you options — along with plenty of personality you just don't find in cookie-cutter homes. Come for the cottage. Stay for the sunsets, seafood, fishing, salty breezes, and wonderfully laid-back way of life.

12870 Whiddon Ave, Cedar Key
82 2nd St Unit 312, Cedar Key
$139,900
1 Beds ⋅ 1 Baths ⋅ 799673 MLS
Here's a perfect, affordable opportunity for a water front Florida island investment property! This recently remodeled third-floor loft bedroom condominium in historic Cedar Key overlooks the sparkling Gulf, where you can watch seabirds soar, and bottlenose dolphins at play! You will love spending time on the covered balcony, sipping your favorite beverages, listening to your favorite tunes, and soaking up the spectacular views of unspoiled saltwater wildlife! Located downtown, you will be just steps to the City Park, playground and beach right next door, and restaurants, bars, shops and everything the island has to offer in just minutes. A morning stroll will land you at one of the island's coffee shops, or the bakery for a fresh-baked muffin and steaming coffee. Take an afternoon walk down "Main Street" and enjoy a cone of hand-dipped ice cream or a glazed donut. Tour around town in a golf cart, and don't forget to slow down to watch the sun dip below the watery horizon at sunset. Want to enjoy the beckoning salt water? Launch your kayak from the beach next door and paddle around the island, exploring the mangrove tunnels and shell banks, or even go over to the island across the channel in the distance and walk the paths of settlers more than a century ago. If you are a boater, the public boat ramp is only two blocks away, and fishing spots galore await you! A private picnic on an uninhabited island is a terrific way to spend a day! Cedar Cove Efficiency Condos are terrific for investors, since they limit owner use to four months per year--you choose the days. When you are not here, put the unit in a vacation rental management program, and let it generate cash to offset the cost. It's a win-win! Check out this beautifully renovated loft unit today!

82 2nd St Unit 312, Cedar Key
7041 Depot St Unit B-204, Cedar Key
$365,000
2 Beds ⋅ 2 Baths ⋅ 799661 MLS
Experience the best of Cedar Key waterfront living in this beautifully appointed 2-bedroom, 2-bath condominium. Sold fully furnished with stylish coastal luxury dcor, this turnkey property is ready for you to enjoy from day one or continue as a high-performing vacation rental with an outstanding income history. Professionally managed to maximize rental potential, this is an exceptional opportunity for both investors and those looking for a personal waterfront retreat. Wake up to breathtaking water views and watch spoonbills, pelicans, ospreys, and skimmers right from your private balcony. Spend your days relaxing by the community pool and hot tub, grilling fresh seafood in the outdoor cooking area, or fishing from the community dock. A dedicated parking space—an amenity not included with every unit—adds extra value and convenience, along with boat trailer parking for your adventures on the water. Unlike many vacation properties, this condominium has **no occupancy restrictions**, allowing you to enjoy it year-round if you choose. The building also features a full commercial elevator for easy access, while the in-unit washer and dryer make extended stays effortless. Located just a short walk or golf cart ride from Cedar Key's charming downtown, you'll have easy access to local restaurants, boutique shopping, art galleries, and waterfront entertainment. Whether you're searching for a proven income-producing investment or your own slice of paradise on Florida's Nature Coast, this exceptional waterfront condominium offers the perfect combination of comfort, convenience, and coastal lifestyle. **Schedule your private showing today and discover why waterfront condominiums with this location, flexibility, and rental performance are among Cedar Key's most desirable opportunities.**

7041 Depot St Unit B-204, Cedar Key
550 1st St Unit 207, Cedar Key
$315,000
1 Beds ⋅ 1 Baths ⋅ 799586 MLS
Welcome to your perfect Island escape in the heart of Cedar Key! This charming 1 bedroom, 1 bath Gulf Front, condo offers the ideal blend of coastal living and investment opportunity. Wake up each morning to breathtaking Gulf views right from your private porch - perfect for enjoying your coffee while watching the sunrise or unwinding with stunning evening skies. Sold furnished and move-in ready, this fully renovated and updated, condo is designed for immediate enjoyment-whether you're looking for a full-time residence, or a turnkey income producing rental. The open and inviting layout maximizes comfort and functionality, while coastal-inspired furnishings create a warm, welcoming atmosphere. Located in a very desirable community, residence will soon enjoy an upgraded pool area, currently undergoing refurbishments. Once complete this will be a real draw for renters. Within walking distance to all the Islands quaint shops, restaurants, bars, and water front charm, this property offers the laid back island lifestyle you've been dreaming of!

550 1st St Unit 207, Cedar Key
6061 A St, Cedar Key
$369,000
2 Beds ⋅ 1 Baths ⋅ 799573 MLS
Best priced waterfront on the island! Boat dock with good water access makes this an ideal Cedar Key getaway! Tucked away in a less traveled corner of the historic downtown, the restored Hayes David Home blends timeless island charm with thoughtful modern updates. This beautifully renewed cracker-style home has been brought back to life with quality craftsmanship and creative woodworking touches that give the property warmth, character, and a true sense of place. Inside, you'll find inviting living spaces filled with detail, including a cedar-lined closet and custom features that make the home feel both comfortable and unique. Every inch has been carefully restored while still honoring the classic style that makes Old Florida homes so special. Outside, there is plenty of room for vehicles, golf carts, and boats—perfect for enjoying life on the island and getting out on the water whenever the mood strikes. The finished backyard with partial fencing offers a relaxing space for entertaining, gardening, or simply enjoying the coastal breeze after a day downtown. Whether you're searching for a full-time residence, a peaceful weekend getaway, or an income-producing vacation rental, this charming cottage delivers flexibility and island lifestyle in one unforgettable package. Enjoy pulling your boat up to your dock, dropping blue crab traps, or fishing right from land! Recent rental history available on request. Located just moments from Cedar Key's restaurants, shops, marina, and waterfront sunsets, this is island living at its finest.

6061 A St, Cedar Key
709 5th St, Cedar Key
$149,000
2 Beds ⋅ 799529 MLS
Check out this amazing piece of Cedar Key, Florida history! Originally built as a church, this building still has the speaking platform in place--a sleekly-curved, raised section of its wood floor! The build date on this listing is currently an estimate. For most of the past century, it was used as a woodworking shop by Herman Wells, who built all of the fine Adirondack chairs you see dotted around on the island. Filled with equipment and several different species of Herman's choice woods, the building functioned perfectly while customers waited in line for the hand-crafted chairs and the beautifully-flowing porch swings "Wells Woods" was famous for creating. With Herman's passing, the building is now available for its next chapter and the restoration that will bring. As a contributing structure to the Cedar Key Historic Register, the building is entitled to special treatment in regards to FEMA regulations. The designation on the register rewards an owner with the opportunity to spend whatever funds they choose in a restoration without having to comply with FEMA's 50% rule, thereby avoiding the additional expense elevation would incur. This fabulous piece of history is ready for you to get started in the creation of its next chapter. Take a look--and quiz your real estate agent on the details. What a unique opportunity! If only this place could talk!

709 5th St, Cedar Key
550 1st St Unit 113, Cedar Key
$259,000
1 Beds ⋅ 1 Baths ⋅ 799462 MLS
Get ready to experience the magic of Cedar Key from this exceptional corner unit condo in downtown Cedar Key right at the bridge for the best water front and downtown views. This coveted 1 bedroom 1 bath residence offers a rare combination of privacy, breathtaking views, and ideal walkability. This bright unit is filled with natural light and captures refreshing Gulf breezes and unmatched water front views. This is more than a condominium- it's a front row seat to the authentic Old Florida coastal lifestyle that has made Cedar Key one of the Gulf Coast's most treasured destinations. Perfect as a personal waterfront home, seasonal getaway, or income-producing investment property. This rare corner unit offers an opportunity to own a piece of paradise in one of Florida's most unique waterfront communities.

550 1st St Unit 113, Cedar Key
8196 Sw County Road 347, Cedar Key
$249,000
3 Beds ⋅ 2 Baths ⋅ 799455 MLS
Escape to your own slice of Old Florida paradise! Surrounded by peaceful waterfront scenery, this beautifully updated 3BR/2BA home offers breathtaking views, abundant wildlife, and a spacious deck perfect for soaking in spectacular sunsets. Inside, enjoy a bright open layout, modern finishes, and comfortable living spaces. Just minutes from Cedar Key's charming shops, local seafood restaurants, kayaking and world-class fishing. Whether you're looking for a full-time retreat or weekend getaway, this property delivers tranquility and adventure in equal measure. Unfurnished, Staged With AI.

8196 Sw County Road 347, Cedar Key
12409 Live Oak St, Cedar Key
$269,000
2 Beds ⋅ 1 Baths ⋅ 799384 MLS
What a cute island cottage! And the seller is motivated! This charming two-bedroom, one bath home in Cedar Key, Florida, is fully and beautifully restored! Enjoy a smaller home that feels far roomier, due to the open floor plan style! The sparkling new kitchen boasts quartz countertops, new white cabinets, a gas range, dishwasher, and a generous breakfast bar, too! With luxury vinyl plank flooring running throughout, you won't see annoying room transitions. Plenty of new windows bring in lots of light, with added glass both the front and back doors. There's plenty of room in the nicely-tiled walk-in shower, and the new bathroom vanity and fixtures work together to present a sharp look. Nestled in an area of "Old Florida" style homes, this sweet cottage has a large backyard with sitting areas, a children's and/or pet's play area, room for adding a summer kitchen, for backyard parties and dining, and more--all bordered by a new wood privacy fence. This generous island lot has plenty of room for the driveway and covered parking area alongside the house, with bordered rock walkways between. All of this in a quiet neighborhood, just a nice walk from downtown's restaurants, library, coffee shops, community garden and City Park and beach. Want more room? The vacant lot right next door is available in a separate listing! Enjoy the best of both worlds here at "Kiss-Me-Quick," a longtime Cedar Key local neighborhood! Snag it now, while the seller is ready to make a deal!

12409 Live Oak St, Cedar Key
82 2nd St Unit 310, Cedar Key
$185,000
1 Beds ⋅ 1 Baths ⋅ 799047 MLS
Positioned along the tranquil shoreline of Cedar Key, this inviting condominium offers sweeping, unobstructed views of the Gulf of Mexico and the easy rhythm of island living. Just a short stroll from the town's beloved restaurants, local shops, and working waterfront, the location balances quiet retreat with everyday convenience. Inside, the residence has been thoughtfully updated to blend comfort with coastal charm. The kitchen features modern finishes and comes fully equipped, while the home is offered turnkey with furnishings included—ready for immediate enjoyment or rental. A flexible layout accommodates up to five guests, highlighted by an upstairs loft with a king bed and an additional twin, creating a private yet airy sleeping space. Natural light pours through an abundance of windows, framing water views from nearly every angle. Step outside to a generous, double-sized wraparound deck—an ideal setting for morning coffee, sunset gatherings, or simply watching the tide roll in. Practical features include a dedicated storage closet and access via an on-site elevator (currently undergoing repair), adding convenience for both owners and guests. Just next door, a city park offers direct access to the beach along with a playground, enhancing the property's appeal for visitors of all ages. Equally suited as a personal getaway or an income-producing investment, the condominium has a strong track record in property management yet offers the flexibility for self-management. Here, coastal simplicity meets smart ownership in one of Florida's most distinctive waterfront communities. Scallop Shores is a desirable upper floor corner unit so don't wait to come see it in person!

82 2nd St Unit 310, Cedar Key
211 2nd St Unit 330, Cedar Key
$155,000
1 Beds ⋅ 1 Baths ⋅ 798950 MLS
Check out this top-floor LOFT UNIT at Park Place in downtown Cedar Key! This adorable third-floor loft unit offers the ultimate Cedar Key experience! It's just steps from the Gulf and right in the heart of downtown. Inside, you'll find a cozy and well-designed layout with a private upstairs sleeping loft and comfortable living space below. Step outside to your beautifully shaded wrap-around porch where you'll catch gentle Gulf breezes and enjoy a peek at water views through the park. It's an ideal spot to relax, unwind, or sip your morning coffee! Park Place is Cedar Key's closest condo community to the city park and beach, you're just across the street from the water and within easy walking distance to restaurants, shops, the marina, kayak rentals, and all the charm of historic downtown. This unit comes fully furnished and ready for vacation guests or your own personal getaway. Major upgrades include a brand new bathroom remodel in November 2025, a new A/C system and refrigerator in 2021, and a new water heater in 2023. Owners can enjoy up to four months of personal use per year, flexible dates of your choice. The rest of the time, your unit can generate passive income through the on-site vacation rental program, managed for you from start to finish. Owners receive 60% of gross rental income, making this a smart, low-maintenance investment. Don't miss your chance to own a turn-key vacation loft with Gulf views, unbeatable location, and income potential. Whether you're looking for a relaxing retreat or a rental-ready property, this charming top-floor unit with a wrap-around porch checks all the boxes. Come see it today and fall in love with island life in Cedar Key!

211 2nd St Unit 330, Cedar Key
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