Gulf & River Waterfront for Sale on the Nature Coast

As of October 2026, about 185 waterfront properties are for sale on our site, from river lots near $25,000 to Gulf homes approaching $2 million. The average asking price is a little over $400,000. That buys a canal home with Gulf access, a riverfront cabin on the Suwannee, a condo with a boat slip, or a buildable lot to start fresh.

Two kinds of water

  • The Gulf. Steinhatchee, Keaton Beach, Horseshoe Beach, Suwannee and Cedar Key are small, quiet fishing towns on the Big Bend coast. Bay scallop season in Dixie County and southern Taylor County, including Steinhatchee and Keaton Beach, typically runs June 15 through Labor Day.
  • The rivers. The Suwannee winds past Branford, Bell, Old Town and Fanning Springs to the Gulf at the town of Suwannee. A 170-mile state paddling trail follows it, and its waters carry Florida's Outstanding Florida Waters designation. The Steinhatchee and Santa Fe rivers add more options.

Buying waterfront here, honestly

This coast took three hurricanes in 13 months: Idalia came ashore at Keaton Beach as a Category 3 in August 2023, Debby hit near Steinhatchee in August 2024, and Helene set a storm surge record at Cedar Key in September 2024. Plenty of homes came through fine, and many rebuilt stronger. But it changes what smart buyers check:

  • Elevation of the living floor, and an elevation certificate
  • Flood zone and a flood insurance quote before you make an offer
  • Build date, roof age and any wind-mitigation report
  • Seawall, dock and boat-lift condition, and permits for any repairs

We walk every waterfront buyer through these before they commit.

Gulf or river?

Tell us which, plus your budget and boat size, and we'll alert you to new waterfront listings first. Contact us or call (352) 498-5151.

Sources: FWC bay scallop season; Suwannee River Wilderness Trail; Idalia landfall; Helene and Debby in Taylor County.

Waterfront Homes and Land

16550 Airport Rd, Cedar Key
$1,499,000
3 Beds ⋅ 3 Baths ⋅ 796496 MLS
Experience island living at its finest in this exceptional gulf-front home located in Cedar Key, Florida. Perfectly positioned to capture both breathtaking sunrises and unforgettable sunset shows, this property offers panoramic views of the Gulf and the historic island of Atsena Otie. This thoughtfully designed 3-bedroom, 3-bath residence is loaded with upgrades and unique features that set it apart. An expansive gulf-side deck provides the perfect setting for relaxing, entertaining, or simply soaking in the ever-changing coastal scenery. Boaters will appreciate the private dock with a 10,000-lb boat lift, while modern conveniences include security cameras and a Bluetooth sound system. A stunning sunroom with marble floors and its own private bathroom creates a light-filled retreat ideal for year-round enjoyment. Additional highlights include a residential elevator and an extra-large garage/workshop, featuring roll-up doors on the front side and traditional garage doors on the water side—designed with flexibility and storage in mind. Uniquely situated at the end of the island runway, the home offers a front-row seat to aircraft takeoffs and landings and the extra large space beneath the home, once used to accommodate small planes, gives ample storage space for cars, boats or RV's. This one-of-a-kind island property seamlessly blends coastal beauty, aviation access, and waterfront living—an extraordinary opportunity in the heart of Cedar Key.

16550 Airport Rd, Cedar Key

492 Sw 911th St, Steinhatchee
$1,200,000
2 Beds ⋅ 2 Baths ⋅ 799214 MLS
Welcome to The Marsh House, where it feels like you have all of Steinhatchee to yourself. Tucked away on a secluded marsh front setting, this 2 bedroom, 2 bathroom home was thoughtfully designed to capture the kind of views people come here for. From nearly every room in the house, you are surrounded by wide open marsh and the kind of sunsets that stop you in your tracks. The primary suite feels like it is floating out over the marsh, with oversized windows that let you take in the view right from bed. French doors lead you straight out to the wrap around porch, where evenings are best spent watching the sky light up while enjoying an afternoon beverage. Inside, the home blends coastal comfort with elevated design. The kitchen is truly one of a kind, featuring custom cypress cabinetry, quartz countertops, a statement oyster shell chandelier, and a refrigerator/freezer ready to host everything from holiday weekends to scallop season gatherings. The layout was made for entertaining, with a pass through window with a quartz counter from the kitchen to the porch so you can serve guests while they gather around the fire pit, grill, and take in the sunset after a day on the water. Quartz countertops carry throughout the entire home and porch, including the bathrooms and oversized laundry room, where the space offers flexibility to easily convert into a third bedroom or add bunks or a murphy bed to increase sleeping capacity for guests or rental income. The bathrooms feature beautifully designed tile work that adds to the overall upscale feel. Outside, the lifestyle only gets better. You are in the Gulf the moment you leave your backyard, putting you on some of the best fishing and scalloping waters in Florida. Spend your days catching your limit in redfish or scallops, then take the kids and grandkids for a picnic and hunt for shells at nearby islands like Long Grass Island and Pepperfish before heading back home for sunset. The property is already equipped for adventure and an RV hookup for additional guests. A cargo lift makes it easy to bring up groceries and luggage, and an on demand propane water heater ensures comfort and convenience. Being sold fully furnished with rental history, this property is turnkey and ready to enjoy or continue as an income producing retreat. Located within walking distance to the local boat ramp and Who Dat's Bar & Grill and Good Times Marina, you have quick access to store your offshore boat while still enjoying the privacy of your own airboat retreat. Experience Steinhatchee as if you own it. Schedule a showing today!

492 Sw 911th St, Steinhatchee

16851 Anna St, Cedar Key
$999,900
3 Beds ⋅ 3 Baths ⋅ 799144 MLS
Tucked away at the end of a peaceful, quiet street, this exceptional waterfront retreat on the island of Cedar Key offers the perfect blend of coastal charm, boating lifestyle, and relaxed island living. Just a short golf cart ride to downtown shops, restaurants, and marinas, this beautifully maintained 3-bedroom, 2.5-bath home is designed for making the most of life on the water. Step inside to an inviting open floor plan filled with natural light and stunning water views. The spacious living, dining, and kitchen areas flow seamlessly together, creating the ideal space for entertaining family and friends. Multiple levels of decking — both open-air and enclosed — provide endless opportunities to enjoy morning coffee, sunset cocktails, coastal breezes, and year-round outdoor living. Boaters and anglers will appreciate the private dock featuring a floating dock and dedicated fish cleaning station, making it easy to head out for a day on the Gulf or clean the day's catch right at home. Beneath the home, the air-conditioned lower-level space offers the ultimate man cave, complete with two refrigerators and an ice maker — perfect for entertaining, game days, or storing all your fishing and boating essentials. A separate storage area provides additional convenience for tools and gear. Outside, the fully landscaped yard creates a private tropical setting, while the large concrete slab under the home offers the perfect spot for a fire pit gathering area, outdoor entertaining, or relaxing after a day on the water. Whether you're searching for a full-time residence, weekend getaway, or income-producing island retreat, this waterfront gem delivers the laid-back luxury and boating lifestyle that make Cedar Key so special.

16851 Anna St, Cedar Key

148 Sw 827th St, Steinhatchee
$950,000
2 Beds ⋅ 2 Baths ⋅ 794671 MLS
Welcome to your waterfront paradise, now offered at an incredible new price! If you've been waiting for the perfect opportunity to own a piece of Steinhatchee, this is it. Situated on four lots with an impressive 331 feet of pristine Steinhatchee River frontage, this exceptional property offers deep-water access ideal for boating, fishing, scalloping, and enjoying the best of Florida's Nature Coast. A private boat dock, seawall, and neighboring community boat ramp make getting on the water effortless. The 2,320-square-foot home was remodeled following Hurricane Helene (2024), sustained only minimal storm damage, and is completely move-in ready. Designed for enjoying the outdoors year-round, the home features spacious screened front and back porches perfect for relaxing or entertaining. Just off the porches, you'll find an enclosed storage area with plenty of room for tools, boating gear, and recreational equipment, along with a dedicated fish-cleaning room and table perfect for preparing the day's catch after a successful day on the Gulf. The property also includes a pole barn with two camper hookups, making it ideal for hosting family and friends or accommodating extended stays. An additional vacant lot with connected utilities provides even more possibilities for expansion, future development, or investment. Whether you're searching for a full time residence, weekend retreat, vacation rental, or investment opportunity, this one of a kind riverfront property offers space, flexibility, and unbeatable waterfront living. With a significant price improvement, this is an exceptional opportunity to own one of Steinhatchee's premier waterfront properties. Schedule your private showing today before it's gone!

148 Sw 827th St, Steinhatchee

16931 Sw 133rd St, Cedar Key
$897,500
3 Beds ⋅ 3 Baths ⋅ 795926 MLS
Welcome to your dream retreat in the heart of Cedar Key! This beautifully renovated waterfront home offers unobstructed views of the Gulf and breathtaking Levy County sunsets — truly the best of this special area of north Florida. Situated on a large, landscaped lot at the end of a quiet cul-de-sac, this home is the perfect blend of peaceful seclusion and modern luxury. The upper main level features a spacious open-concept living room, dining area, and gourmet kitchen — all with expansive water views that will steal your heart. High-end appliances, elegant finishes, and thoughtful design make this home completely move-in ready. Step out onto the huge open deck, ideal for outdoor entertaining, or enjoy a quiet evening on the screened-in porch. Upstairs bedrooms offer cozy comfort with serene views, while the lower level provides a spacious family room, a two-car garage, and a separate workshop — perfect for hobbies, projects, or extra storage. Located adjacent to the Cedar Key Airstrip, you'll enjoy both convenience and privacy in this tucked-away paradise. Fish right off the oyster bars behind the house when the tide is in, or head out for world-class inshore and offshore fishing just minutes away with your own boat or hire one of the many local guides! (we can "hook" you up to limit out on redfish and trout!) Live the Cedar Key lifestyle with local festivals, unique gift shops, vibrant restaurants and bars, fresh local clams and oysters, and a warm, welcoming community. The highly rated Cedar Key School (Pre-K through 12th grade), active civic groups, churches, library, chamber of commerce and a community garden all contribute to the small-town charm that makes Cedar Key so special. And the island is totally golf cart friendly, which only adds to the sense of community! Don't miss your chance to own this rare waterfront gem — it's the whole package! Call today to schedule your private showing and experience the magic of Cedar Key living.

16931 Sw 133rd St, Cedar Key

11471 Sw 154th Ave, Cedar Key
$889,000
3 Beds ⋅ 3 Baths ⋅ 799230 MLS
Enjoy island living at its finest in this waterfront pool home in Cedar Key! The views from here are simply breathtaking! A Gulf front home nestled beneath sprawling oak trees, this beautifully designed three-bedroom, three-bath home offers the perfect blend of comfort, privacy, and coastal charm. Builder was an engineer, which means you'll get to enjoy high ceilings, an open floor plan, and a spacious waterfront primary suite create an airy, inviting atmosphere. The two additional bedrooms and a full bath on the opposite side of the home make this an excellent home choice for solitude and privacy. Weathered cedar shake shingles blend seamlessly with the natural surroundings, giving the home a timeless island feel. Additional features include a non-commercial elevator and an Aquasana whole-house water filtration system for added convenience and peace of mind. All-new luxury vinyl plank flooring has been installed throughout the bedrooms, bathrooms, and sunroom, adding warmth, durability, and a fresh coastal feel to the home. The sunroom is designed for year-round enjoyment with a commercial-grade mini-split system and window shades, creating the perfect space to relax with morning coffee, unwind with a book, or take in the peaceful waterfront views in comfort no matter the season. Downstairs, the three-bay garage and workshop include a full bath that conveniently serves the beautiful in-ground swimming pool. With a private peninsula setting, very few neighboring homes, and breathtaking surroundings, this property is a rare opportunity to experience the beauty and tranquility of waterfront living from this cozy and divinely serene home in Cedar Key. Call today to schedule your private showing!

11471 Sw 154th Ave, Cedar Key

11531 Sw 154th Ave, Cedar Key
$889,000
3 Beds ⋅ 2 Baths ⋅ 794501 MLS
Take a look at this fabulous water front home in historic Cedar Key, Florida! Located on a private peninsula, this luxurious home was fully renovated in 2018-2019, and is ready for entertainment, with top-of-the-line Miele appliances, custom wood cabinets and white quartz countertops. With beautiful river-recovered wood floors running throughout the house, it also has wood-grain ceramic tile in both bathrooms. Great care was taken to renovate this home to top-quality standards: All interior doors are special-order solid wood, non-toxic wood sealers were used throughout the house, and oversized fans circulate the air through the open floor plan living area. Renovations included many upgrades: a whole house generator, a new electric panel box, a new roof, a tankless water heater and a whole house reverse-osmosis water treatment system are some of the perks, as well as a beautiful DaVinci glass fireplace with a backlit glass hearth, and a new cargo lift elevator. Extras also include a Miele built-in coffee system, Miele Fridge-Freezer combination with front wood panels, Miele Warming Drawer, Miele Wine Conditioning Unit and both a Miele Speed Oven and Miele Steam Combination Oven. The home is absolutely LOADED with luxuries! Downstairs, the two-bay garage also has a third bay with a workshop/storage area and room for a golf cart and golf cart charger. The garage doors were replaced in 2021 with insulated heavy-duty steel doors with infinity glass windows and electric door openers. The large Kalamazoo hybrid grill and hood on the back water front porch is also included! Cook and dine overlooking the salt marsh and back bay. The private dock running out to the boat house was damaged in Hurricane Helene, and is being conveyed as is. Do some repairs and add a boat lift and you will be ready to zip off for saltwater fun. Sit on the porches and sip your favorite beverage and enjoy the salt breezes and the natural surroundings. The property is a Florida nature wonderland--shaded by sprawling oak trees and other native vegetation. From time to time, you can spot a pair of great horned owls, who are frequent visitors to the area, as well as many ospreys, seagulls and groups of white pelicans and roseate spoonbills. Descriptions fail this spectacular home--you will need to see it for yourself!

11531 Sw 154th Ave, Cedar Key

258 W 7th Ave, Horseshoe Beach
$849,900
2 Beds ⋅ 2 Baths ⋅ 799272 MLS
What's Special, OCEAN FRONT VIEW, CONVENIENT ONE LEVEL LIVING, NEW SEAWALL, TANKLESS WATER HEATER, NEW ROOF, GUTTERS, DOWNSPOUTS, SINGLE CELL INSULATION WITH METAL SOFFIT, NEW 2ND FLOOR DECK WITH LARGE STORAGE ROOM! One of Horseshoe Beach's Finest. A Luxurious 2/2 fully furnished ocean front home overlooking the Gulf of America with spectacular sunset views. The many special features were built strong and stylish with comfort in mind. The open and spacious floorplan has a gorgeous gourmet kitchen with Corian counter tops, wooden cabinets, and beautiful tile flooring. The dining room has seating for 8. A Florida room off the kitchen has seating for 4, hardwood flooring, six large double paned windows with remote controlled shades. A split-level sunken family room has cedar walls, tile flooring, sky light, and electric fireplace. The spacious master bedroom features king sized bed, a skylight and a master bath with His/Hers jetted shower, tile floors, spacious cherry wood cabinets, and vanity. A second bedroom has a queen sized bed, tiled floors, and an adjacent full sized bath. An office/laundry room has a desk and filing cabinets, and front load washer and dryer. The enclosed screened porch has beautiful cedar walls, vinyl plank flooring and French doors. Zoned A/C w/twin units, aluminum freight elevator, large carport, boat slip, and lift with dock. For your enjoyment, the nature coast area of Florida provides inshore/offshore fishing, scalloping, shrimping, crabbing, birding, kayaking, etc. This home is perfect for short term rentals, second home or as your primary residence. Come experience a laid-back lifestyle! Motivated Seller!

258 W 7th Ave, Horseshoe Beach

11918 State Rd 24, Cedar Key
$849,000
4 Beds ⋅ 2 Baths ⋅ 799534 MLS
Discover an incredible investment opportunity in the heart of Cedar Key with this rare waterfront multi-family home situated on 0.51 acres. Each side of this elevated duplex features 2 bedrooms and 1 bathroom, offering comfort, privacy, and strong rental appeal. The property boasts 1,470 sq. ft. of cooled living space and 3,552 sq. ft. total, providing plenty of room for guests, family, or tenants. Perched directly on the water, this stilt-built home includes two covered parking spaces per unit, offering convenience and protection. Residents and guests can enjoy the private dock, ideal for boating, fishing, paddleboarding, and taking in Cedar Key's unforgettable sunsets. Currently operating as a successful income-producing rental on multiple platforms, the home comes fully furnished, making it a true turn-key investment. Whether you're looking to expand your rental portfolio or live on one side while renting out the other, this property offers tremendous flexibility. A standout feature of this property is its unique zoning, which may allow for the addition of up to four total units—a rare opportunity in Cedar Key. Buyers are encouraged to perform their own due diligence to confirm buildability and expansion options. With spectacular water views, proven rental performance, and future development potential, this property offers endless possibilities for investors or owner-occupants seeking a slice of Cedar Key paradise.

11918 State Rd 24, Cedar Key

4190 Nw 153rd Ct, Chiefland
$799,900
4 Beds ⋅ 2 Baths ⋅ 799629 MLS
EXCEPTIONAL WATERFRONT LIVING IN THE HEART OF FOWLERS BLUFF ON THE GREAT SUWANNEE RIVER!** Welcome to your very own slice of North Florida paradise, where boating, fishing, entertaining, and peaceful waterfront living come together in one extraordinary property! Beautifully designed by its original owner with the river lifestyle in mind, this custom-built 4-bedroom, 2-bathroom concrete block home with attractive HardiePlank siding offers 3,148 total square feet of thoughtfully designed space and incredible indoor and outdoor amenities! Nestled along a scenic canal less than 100 feet from the historic Suwannee River, this property provides convenient access to some of Florida's most beautiful waterways right from your own backyard! Upon arrival, you'll appreciate the convenience of both stair and lift access leading to a welcoming screened front porch. Step inside and discover a beautifully appointed interior featuring a spacious kitchen with gorgeous granite countertops, abundant cabinetry, TWO refrigerators, and a generous walk-in pantry. The adjoining dining area offers plenty of room for gatherings, while the expansive living room showcases elevated ceiling details and a cozy wood-burning fireplace. Custom shelving throughout the home's closets adds thoughtful organization and functionality. The split-bedroom floor plan provides privacy and flexibility, with three spacious guest bedrooms, a Jack-and-Jill-style bathroom, and additional storage room on one side of the home. On the opposite side, the oversized primary suite offers a peaceful retreat complete with a walk-in closet and private bathroom. A dedicated laundry room with utility sink adds everyday convenience. BUT JUST WAIT UNTIL YOU EXPERIENCE THE OUTDOOR LIVING SPACE! Designed for entertaining, the incredible screened patio features a beautiful 8x12 chlorine pool and an AMAZING CUSTOM INDOOR/OUTDOOR BAR! Complete with a cooktop, refrigerator, sink, and large serving window opening directly to the patio, this one-of-a-kind entertaining space makes hosting family and friends effortless! Multiple access points from the kitchen, living room, and bar allow the indoor and outdoor spaces to flow beautifully together. Whether you're cooling off in the pool, enjoying your favorite beverage, or simply relaxing while overlooking the peaceful canal, this space was made for creating unforgettable memories. Step beyond the screened patio and discover a gorgeous outdoor deck constructed with marine-grade pressure-treated lumber, offering another wonderful place to enjoy the waterfront scenery. A connecting walkway leads directly to your PRIVATE BOAT DOCK, complete with a covered sitting area! Imagine stepping outside, boarding your boat, and heading out for an afternoon of fishing or cruising the beautiful Suwannee River in just moments! Additional property highlights include a recently installed Generac whole-home generator, detached two-car carport, storage building, and partially fenced yard. Every detail of this property reflects the original owner's vision of creating a comfortable, functional, and truly enjoyable waterfront retreat. Located in the charming Fowlers Bluff community, you'll experience the peaceful atmosphere of Old Florida while enjoying the recreational opportunities that make the Suwannee River so special.

4190 Nw 153rd Ct, Chiefland

2 Ne Fifth St, Steinhatchee
$749,000
2 Beds ⋅ 2 Baths ⋅ 800021 MLS
Owner Financing Available!! Discover a rare opportunity to own your own piece of Old Florida paradise in the heart of Steinhatchee! Situated on 2.17 acres across multiple parcels at the end of a quiet dead-end road, this unique property combines privacy, natural beauty, and an unbeatable location. Enjoy beautiful views of spring-fed, tidal Highland Creek and the surrounding marsh, creating the perfect setting for peaceful coastal living. The property features a gorgeous custom-built 2-bedroom, 2-bath home with exceptional construction, two spacious decks facing east and west, covered parking, and additional storage and storm shelter space underneath. Also included is a completely renovated RV featuring two full-size beds, along with five additional full RV hookups, making this property ideal for hosting family and friends, creating a vacation retreat, or exploring investment opportunities. With two separate septic systems and power, water, and septic already in place for an additional home, there is plenty of potential to expand or create your own family compound. Location is everything, and this property delivers! Enjoy walking distance to Sea Hag Marina and less than a quarter mile to the public boat ramp, putting you just moments away from boating, fishing, and everything the Gulf Coast has to offer. Take a short golf cart ride to local restaurants, shopping, and other Steinhatchee attractions. With its peaceful setting, multiple RV hookups, and potential billboard location, the possibilities are endless. Whether you're looking for a full-time residence, a private coastal getaway, an RV retreat, or an investment property, this one-of-a-kind property offers the perfect combination of space, versatility, and convenience. Don't miss this opportunity to own a truly special piece of Steinhatchee! Call today to schedule your private tour! Owner Financing Terms: 20% down 8% interest.

2 Ne Fifth St, Steinhatchee

13530 Sw Airport Rd, Cedar Key
$749,000
800017 MLS
Discover an exceptional and rare opportunity to create your own waterfront retreat on approximately 2.8 acres in beautiful Cedar Key, Florida! With generous acreage, privacy, expansive water views, and spectacular sunsets, this property offers an outstanding setting for a custom coastal home designed to take full advantage of its surroundings. Bring your house plans and envision an elevated home positioned to capture the waterfront views, coastal breezes, and unforgettable sunsets. The spacious property offers room to create the outdoor living areas, storage, and coastal lifestyle you've been dreaming about—all on your own private piece of Cedar Key. Even better, waterfront amenities are already in place, including a private dock with boat lift, waterfront gazebo, and kayak racks. Redfish and snook are caught right along the shoreline, while the dock provides convenient access for boating, fishing, and exploring the waters surrounding Cedar Key. Wildlife surrounds the property with nature galore and frequented by shorebirds like roseate spoonbills, white pelicans, oystercatchers, and snowy egrets. The peaceful, private setting feels tucked away while remaining convenient to Cedar Key's restaurants, shops, marina, and laid-back island lifestyle with a short-drive by golf cart into town. The nearby Cedar Key airport also provides convenient fly-in access where you can fly your plane in and walk to your property on the coast! If you've been waiting for the right waterfront property to build your dream home, this is one you'll want to see in person. Walk the property, experience the views, and start imagining what you could create here. Properties of this size with existing deep-water infrastructure rarely come to market in Cedar Key. Schedule your private showing today to walk the property and bring your vision to Cedar Key to enjoy the perfect balance of sunsets, total privacy and island convenience.

13530 Sw Airport Rd, Cedar Key

1839 Hwy 317, Old Town
$749,000
4 Beds ⋅ 3 Baths ⋅ 796466 MLS
Discover your own riverfront retreat on the scenic Suwannee River in Old Town. This unique waterfront property offers the perfect blend of privacy, versatility, and natural beauty. The main residence is thoughtfully designed for comfortable everyday living. Inside, the home is highlighted by beamed ceilings that add warmth and character, beautifully complemented by custom wood kitchen countertops, while outside the expansive porch offers ample space for entertaining and relaxing as you take in sweeping views of the river. A separate guest house provides ideal accommodations for extended family, visitors, or potential rental income. Enjoy peaceful mornings and relaxing evenings overlooking the water, with direct access for boating, fishing, kayaking, and enjoying Florida's natural springs and wildlife. The spacious lot offers plenty of room for outdoor entertaining, gardening, or simply soaking in the tranquil setting. The property is also equipped with two RV hookups with power and water ready for use. Your front-row seat to river living, perfectly positioned just minutes from Hinton Landing Boat Ramp for effortless launches and endless summer adventures. Whether you're searching for a full-time residence, a weekend getaway, or an income-producing river property, this Old Town gem delivers exceptional opportunity on one of North Florida's most iconic waterways. Schedule your private showing today and experience Suwannee River living at its finest.

1839 Hwy 317, Old Town

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