495 2nd St, Cedar Key, FL 32625 Property Records

Levy County property record for 495 2nd St, Cedar Key, FL 32625 · Last verified January 2026

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	4,000 sqft · built 1901
Lot Size	0.11 acres (4,792 sqft)
Owner	Company Name on File
Last Sale	$200,000 (Jun 2024)
Tax Bill	$4,470 (2024)
Deeds & Mortgages	Jun 2024 Sale
Flood Zone	Zone AE (high risk)
APN	`0858000100`

Property Details

APN / Parcel Number

Primary APN	`0858000100`
Alternative APN	`32-15-13-08580-001-00`

Interior

Building Area	4,000 sqft Total Area
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1901
Effective Year Built	Effective 1994
Exterior Material	Stucco
Construction Type	Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Gable
Roof Material	Metal
Lot Area	4,792 sqft (0.11 acres)
Porch	Open Porch
Porch Area	250 sqft
Canopy	250 sqft

Utilities, Heating & Cooling

Heating System	Convection

Location & Zoning

Street Address	495 2ND ST
City	CEDAR KEY
State	FL
Zip	32625-5119
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Legal Description	32-15-13 CEDAR KEY BLK 12 LOTS 10 & 11 OR BOOK 1738 PAGE 296
Legal Subdivision	CEDAR KEY
Legal Block	12
Legal Lot Number	10,11
Jurisdiction	LEVY FL
Township / Civil Division	CEDAR KEY-YANKEETOWN
Census Block Group	1
Census Block	1177
Census Tract	970400

Owner

Source: Levy County records · APN 0858000100

Assessment roll updated July 1, 2025 · Last verified January 2026

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

Owner of Record	Company Name on File
Co-owner	Verified Secondary Owner
Mailing Address	16937 STURGIS CIR, CEDAR KEY, FL 32625-5181
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 03, 2024 · Amount on Record
Deed Sale	Jun 03, 2024 · Amount on Record
Deed Document Number	736029
Deed Book / Page	1738 / 296
Record Updated	Jun 08, 2026

June 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEVY FL
Recording Date	Jun 03, 2024
Property Address	495 2ND ST, CEDAR KEY, FL 32625-5119
Document Number	0017380296
Book / Page	1738 / 296
Map Reference	MB 1 PG 3
Instrument Date	Apr 26, 2024
Instrument	736029
Transaction Type	Transfer
Record Updated	Jan 05, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$1,400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12771 JERNIGAN AVE, CEDAR KEY, FL 32625-4850

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16937 STURGIS CIR, CEDAR KEY, FL 32625-5181

Tax Assessment & Valuation

Source: Levy County records · Assessment roll updated July 1, 2025 · Last verified January 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		$286,538 (+82.8%) Land $102,000 Building $184,538	$286,538 (+82.8%) Land $102,000 Building $184,538
2024	$4,470.00 (+20.58%)
2023	$3,707.00 (+24.86%)	$156,750 (+9.55%)	$156,750 (+9.55%) Land $102,000 Building $54,750
2022	$2,969.00	$143,090	$143,090 Land $75,200 Building $67,890

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 AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	13.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)
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) 85 of 186 individual policies on primary residences
Nearby Flood Claims	614 (1983–2024)
Claims Outside the SFHA	1 of 614
Most Recent Claim	Oct 2024, rainfall accumulation, Hurricane Milton
Flood Events	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.