12651 Merle Ave, Cedar Key, FL 32625 Property Records

Levy County property record for 12651 Merle Ave, Cedar Key, FL 32625

Property Summary

Property Type	Mobile Home
Details	2 ba · 1,596 sqft · built 1985
Lot Size	0.68 acres (29,621 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Sep 2019)
Tax Bill	$8,777 (2024)
Deeds & Mortgages	Sep 2019 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`17140-000-00`

Property Details

APN / Parcel Number

Primary APN	`17140-000-00`
Alternative APN	`3015131714000000`

Interior

Full Baths	2 Baths
Building Area	1,596 sqft Living Area
Gross Area	3,944 sqft
1st Floor Area	1,120 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2008
Architectural Style	Mobile Home
Exterior Material	Wood
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	29,621 sqft (0.68 acres)
Garage Type	Carport
Garage Area	1,184 sqft
Carport	Carport
Carport Area	1,184 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	368 sqft
Deck Area	144 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	12651 MERLE AVE
City	CEDAR KEY
State	FL
Zip	32625-4860
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	30-15-13 CEDAR KEY SHORES UNIT 6-A LOT 2 OR BOOK 1509 PAGE 565
Legal Range	13E
Legal Township	15S
Legal Section	30
Legal Subdivision	CEDAR KEY SHORES UNIT 6-A
Legal Lot Number	2
Jurisdiction	LEVY FL
Township / Civil Division	CEDAR KEY-YANKEETOWN
Census Block Group	1
Census Block	1063
Census Tract	970400

Owner

Source: Levy County records, as of November 17, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1333 PARK PL, MOUNT DORA, FL 32757-3601
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2019 · Amount on File
Deed Sale	Sep 30, 2019 · Amount on File
Prior Sale	Dec 18, 2012 · Amount on File
Deed Document Number	2019657749
Deed Book / Page	1509 / 565
Prior Transfer Date	Oct 25, 2010
Prior Transfer Doc	0012160086
Record Updated	Jun 8, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEVY FL
Recording Date	Sep 30, 2019
Property Address	12651 MERLE AVE, CEDAR KEY, FL 32625-4860
Document Number	0015090565
Book / Page	1509 / 0565
Map Reference	MB 6 PG 26
Instrument Date	Sep 27, 2019
Instrument	657749
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12651 MERLE AVE, 12651, CEDAR KEY, FL 32625-4860

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1333 PARK PL, MOUNT DORA, FL 32757-3601

Mortgage

Document Number	0001509566
Date	Sep 30, 2019
Instrument	1509/566

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.25%
Index	1-Year LIBOR
Max Rate	8.25%

Tax Assessment & Valuation

Source: Levy County assessment roll, as of November 17, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Levy County
Municipality	Cedar Key City
Unified School District	Levy County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$422,829 (-4.23%) Land $90,000 Building $332,829	$422,829 (-4.23%) Land $90,000 Building $332,829
2024	$8,777.00 (+2.76%)
2023	$8,541.00 (+13.28%)	$441,508 (+18.71%)	$441,508 (+18.71%) Land $90,000 Building $351,508
2022	$7,540.00	$371,919	$371,919 Land $90,000 Building $281,919

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 15, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	15.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 186 individual policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	378 units insured incl. 192 condo units
Nearby Flood Claims	614 (1983–2024)
Claims Outside the SFHA	1 of 614
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Helene, Sep 2024 · 149 claims Hurricane Idalia, Aug 2023 · 100 claims Tropical Storm Josephine, Oct 1996 · 91 claims

Coastal Barrier Resources

Source: USFWS Coastal Barrier Resources System, as of December 19, 2024

Coastal Barrier Resources System	Yes
Unit	P25 “Cedar Keys”
Unit Type	System Unit
Designated	Nov 16, 1990
NFIP Eligibility	Eligible (built 1985) built before the Nov 16, 1990 cutoff

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CEDAR KEY WTP serves 735 people · EPA ID FL2380178
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2021 Haloacetic acids resolved · Oct 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 97 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fiber by Central Florida Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20