16917 Sturgis Cir, Cedar Key, FL 32625 Property Records

Levy County property record for 16917 Sturgis Cir, Cedar Key, FL 32625

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,542 sqft · built 1993
Lot Size	0.55 acres (23,958 sqft)
Owner	Individual Name on Record
Last Sale	$490,000 (Aug 2018)
Tax Bill	$12,794 (2024)
Deeds & Mortgages	Aug 2020 Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`1717400000`

Property Details

APN / Parcel Number

Primary APN	`1717400000`
Alternative APN	`3015131717400000`

Interior

Full Baths	2 Baths
Building Area	2,542 sqft Heated Area
Gross Area	5,804 sqft
1st Floor Area	2,242 sqft
Upper Floors Area	300 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2000
Exterior Material	Wood
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Metal
Lot Area	23,958 sqft (0.55 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	220 sqft
Porch	Porch
Porch Area	1,195 sqft
Deck Area	686 sqft
Patio Area	289 sqft
Boat Access	Boat Access
Boat House	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Other

Location & Zoning

Old Parcel Number	3015131717400000
Street Address	16917 STURGIS CIR
City	CEDAR KEY
State	FL
Zip	32625-5181
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	30-15-13 CEDAR KEY SHORES UNIT 7 LOT 5 OR BOOK 1467 PAGE 221
Legal Range	13E
Legal Township	15S
Legal Section	30
Legal Subdivision	CEDAR KEY SHORES
Legal Lot Number	5
Legal Unit	7
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 January 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	16917 STURGIS CIR, CEDAR KEY, FL 32625-5181
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage RAYMOND JAMES BANK NA
Aug 27, 2018	Warranty Deed, Transfer · ARM RAYMOND JAMES BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2018 · Amount on Record
Deed Sale	Aug 27, 2018 · Amount on Record
Prior Sale	Aug 27, 2018 · Amount on Record
Deed Document Number	642378
Deed Book / Page	1467 / 0221
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEVY FL
Property Address	16917 STURGIS CIR, CEDAR KEY, FL 32625-5181
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	R BOSTON NATL TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16917 STURGIS CIR, CEDAR KEY, FL 32625-5181

Mortgage

Document Number	0015480172
Date	Aug 28, 2020
Book Page	1548/172
Instrument	671217

Lender

Name	RAYMOND JAMES BANK NA
Type	Bank
Address	SAINT PETERSBURG, FL 33716

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2035

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEVY FL
Recording Date	Aug 27, 2018
Property Address	16917 STURGIS CIR, CEDAR KEY, FL 32625-5181
Document Number	0014670221
Book / Page	1467 / 0221
Map Reference	MB6 PG28
Instrument Date	Aug 23, 2018
Instrument	622378
Transaction Type	Transfer
Record Updated	Mar 6, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,430.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2820 NW 5TH CT, GAINESVILLE, FL 32607-2509

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16871 STURGIS CIR, CEDAR KEY, FL 32625-4841
Investor	Possibly a Property Investor

Mortgage

Document Number	0000622379
Date	Aug 27, 2018
Instrument	622379

Lender

Name	RAYMOND JAMES BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Sep 1, 2023
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	5.62%
Index	1-Year CMT
Max Rate	8.62%

Tax Assessment & Valuation

Source: Levy County assessment roll, as of July 1, 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		$680,086 (+4.09%)	$719,771 (-3.67%) Land $156,000 Building $563,771
2024	$12,794.00 (-4.59%)
2023	$13,409.00 (+4.73%) Homeowner's exemption	$653,347 (+3%)	$747,166 (+17.79%) Land $156,000 Building $591,166
2022	$12,804.00 Homeowner's exemption	$634,317	$634,317 Land $156,000 Building $478,317

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	16.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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 95% 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 36 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

Cell Coverage

5G (outdoors only) and 4G LTE

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