434 2nd St, Cedar Key, FL 32625 Property Records

Levy County property record for 434 2nd St, Cedar Key, FL 32625

Property Summary

Property Type	Restaurant
Details	3,120 sqft · built 1966
Lot Size	0.11 acres (4,792 sqft)
Owner	Company Name on Record
Last Sale	$385,000 (Apr 2019)
Tax Bill	$6,150 (2024)
Deeds & Mortgages	Apr 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`08511-000-00`

Property Details

APN / Parcel Number

Primary APN	`08511-000-00`
Alternative APN	`3215130851100000`

Interior

Plumbing Fixtures	8 Plumbing Fixtures
Building Area	3,120 sqft Gross Area
1st Floor Area	2,400 sqft
Flooring	Vinyl/Resilient
Interior Walls	Paneling

Exterior

Year Built	Built 1966
Effective Year Built	Effective 2000
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	4,792 sqft (0.11 acres)
Lot Width	50 ft Width

Exterior Amenities

Porch	Open Porch
Porch Area	720 sqft
Deck Area	Deck Area
Canopy	720 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	434 2ND ST
City	CEDAR KEY
State	FL
Zip	32625
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Legal Description	32-15-13 CEDAR KEY BLK 2 LOTS 20 & 21 OR BOOK 1490 PAGE 317
Legal Range	13E
Legal Township	15S
Legal Section	32
Legal Subdivision	CEDAR KEY
Legal Block	2
Legal Lot Number	20,21
Jurisdiction	LEVY FL
Township / Civil Division	CEDAR KEY-YANKEETOWN
Census Block Group	1
Census Block	1184
Census Tract	970400

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	PO BOX 180, FRUITHURST, AL 36262-0180
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2019 · Amount on Record
Deed Sale	Apr 16, 2019 · Amount on Record
Prior Sale	Apr 17, 2012 · Amount on Record
Deed Document Number	2019651109
Deed Book / Page	1490 / 317
Prior Transfer Date	Aug 16, 2010
Prior Transfer Doc	0012080131
Record Updated	Jun 8, 2026

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEVY FL
Recording Date	Apr 16, 2019
Property Address	434 2ND ST, CEDAR KEY, FL 32625
Document Number	0014900317
Book / Page	001490 / 000317
Instrument Date	Apr 12, 2019
Instrument	651109
Transaction Type	Transfer
Record Updated	May 17, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,695.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 180 CEDAR KEY FL 326250180, CEDAR KEY, FL 32625-0180

Mortgage

Document Number	14900318
Date	Apr 16, 2019
Book Page	001490/000318
Instrument	651110

Lender

Name	M & B DEVIS INC
Address	PO BOX 502, CEDAR KEY, FL 32625-0502

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	60 Months
Due	Apr 15, 2024

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		$281,850 (-3.65%) Land $120,000 Building $161,850	$281,850 (-3.65%) Land $120,000 Building $161,850
2024	$6,150.00 (-5.14%)
2023	$6,483.00 (+5.69%)	$292,523 (+4.27%)	$292,523 (+4.27%) Land $120,000 Building $172,523
2022	$6,134.00	$280,538	$280,538 Land $120,000 Building $160,538

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	14.0 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	Not rated no burnable land within 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 305 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20