16964 Sturgis Cir, Cedar Key, FL 32625 Property Records

Levy County property record for 16964 Sturgis Cir, Cedar Key, FL 32625 · Last verified May 2026

Property Summary

Property Type	Mobile Home
Details	3 ba · 2,264 sqft · built 1997
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on File
Last Sale	$430,000 (Aug 2022)
Tax Bill	$8,427 (2024)
Deeds & Mortgages	May 2026 Line of Credit Aug 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17187-000-00`

Property Details

APN / Parcel Number

Primary APN	`17187-000-00`
Alternative APN	`3015131718700000`

Interior

Full Baths	3 Baths
Building Area	2,264 sqft Living Area
Gross Area	4,725 sqft
1st Floor Area	1,524 sqft
Upper Floors Area	740 sqft
Basement Area	1,524 sqft
Finished Basement	1,524 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1999
Architectural Style	Mobile Home
Exterior Material	Wood
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	14,375 sqft (0.33 acres)
Garage Area	497 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	440 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	16964 STURGIS CIR
City	CEDAR KEY
State	FL
Zip	32625-5181
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	30-15-13 CEDAR KEY SHORES UNIT 7 LOT 18 OR BOOK 1651 PAGE 324
Legal Range	13E
Legal Township	15S
Legal Section	30
Legal Subdivision	CEDAR KEY SHORES UNIT 7
Legal Lot Number	18
Jurisdiction	LEVY FL
Township / Civil Division	CEDAR KEY-YANKEETOWN
Census Block Group	1
Census Block	1063
Census Tract	970400

Owner

Source: Levy County records · APN 17187-000-00

Assessment roll updated November 17, 2025 · Last verified May 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	16964 STURGIS CIR, CEDAR KEY, FL 32625-5181
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 01, 2026	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CREDIT UNION
Aug 02, 2022	Deed, Transfer · Conventional Mortgage MIDFLORIDA CU
May 18, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 02, 2022 · Amount on Record
Deed Sale	Aug 02, 2022 · Amount on Record
Prior Sale	Oct 07, 2013 · Amount on Record
Deed Document Number	2022705336
Deed Book / Page	1651 / 324
Prior Transfer Date	Jan 27, 2020
Prior Transfer Doc	0015350783
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEVY FL
Recording Date	May 01, 2026
Property Address	16964 STURGIS CIR, CEDAR KEY, FL 32625-5181
Document Number	0000768271
Book / Page	1842 / 585
Instrument Date	Apr 21, 2026
Instrument	2026768271
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16964 STURGIS CIR, CEDAR KEY, FL 32625-5181

Mortgage

Document Number	0000768271,
Date	May 01, 2026
Book Page	1842/585
Instrument	2026768271

Lender

Name	MIDFLORIDA CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 15, 2046

Interest

Rate	6.38%
Max Rate	-1%

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	LEVY FL
Recording Date	Aug 02, 2022
Property Address	16964 STURGIS CIR, CEDAR KEY, FL 32625-5181
Document Number	0016510324
Book / Page	1651 / 324
Map Reference	MB 6 PG 28
Instrument Date	Jul 25, 2022
Instrument	705336
Transaction Type	Transfer
Record Updated	Jan 05, 2026
Title Company	LEVY ABSTRACT AND TITLE COMPANY, LEVY ABSTRACT & TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,010.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5128 NW 29TH LN, GAINESVILLE, FL 32606-7017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4615 SE 57T1 LANE, OCALA, FL 34480-9402

Mortgage

Document Number	0001651326
Date	Aug 02, 2022
Instrument	1651/326

Lender

Name	MIDFLORIDA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2052

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LEVY FL
Recording Date	May 18, 2020
Property Address	16964 STURGIS CIR, CEDAR KEY, FL 32625-5181
Document Number	0015350783
Book / Page	001535 / 000783
Instrument Date	Jan 27, 2020
Instrument	666943
Transaction Type	Transfer
Record Updated	Jun 19, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	7819 NW 22ND LN GAINESVILLE FL 326053162, GAINESVILLE, FL 32605-3162

Tax Assessment & Valuation

Source: Levy County records · Assessment roll updated November 17, 2025 · Last verified May 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$412,095 (-4.57%) Land $130,000 Building $282,095	$412,095 (-4.57%) Land $130,000 Building $282,095
2024	$8,427.00 (-12.71%)
2023	$9,654.00 (+12.29%)	$431,832 (-3.63%)	$431,832 (-3.63%) Land $130,000 Building $301,832
2022	$8,597.00	$448,089	$448,089 Land $92,000 Building $356,089

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Levy County (12075C), updated September 15, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120759704001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 186 individual NFIP policies nearby
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	378 units insured 192 under condo master policies
Nearby Flood Claims	614 (1983–2024)
Claims Outside the SFHA	1 of 614
Most Recent Claim	Oct 2024, rainfall accumulation, Hurricane Milton
Claims By Storm	Hurricane Helene, Sep 2024 · 149 claims Hurricane Idalia, Aug 2023 · 100 claims Tropical Storm Josephine, Oct 1996 · 91 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 36 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Fiber by Central Florida	Fiber	2,000 / 2,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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