589 2nd St, Cedar Key, FL 32625 Property Records

Levy County property record for 589 2nd St, Cedar Key, FL 32625

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	2,843 sqft · built 1901
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on File
Last Sale	$550,000 (Dec 2025)
Tax Bill	$5,727 (2024)
Deeds & Mortgages	Dec 2025 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`0857100000`

Property Details

APN / Parcel Number

Primary APN	`0857100000`
Alternative APN	`3215130857100000`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Building Area	2,843 sqft Total Area
1st Floor Area	1,125 sqft
Upper Floors Area	918 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1901
Effective Year Built	Effective 2009
Exterior Material	Wood
Construction Type	Frame
Fire Resistance	Wood or Wood & Steel Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	2,614 sqft (0.06 acres)
Lot Width	25 ft Width

Exterior Amenities

Porch	Open Porch
Porch Area	250 sqft
Deck Area	300 sqft
Patio Area	150 sqft
Canopy	250 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Other

Location & Zoning

Old Parcel Number	3215130857100000
Street Address	589 2ND ST
City	CEDAR KEY
State	FL
Zip	32625-5121
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Legal Description	32-15-13 CEDAR KEY BLK 11 LOT 11 OR BOOK 1343 PAGE 553
Legal Range	13E
Legal Township	15S
Legal Section	32
Legal Subdivision	CEDAR KEY
Legal Block	11
Legal Lot Number	11
Jurisdiction	LEVY FL
Township / Civil Division	CEDAR KEY-YANKEETOWN
Census Block Group	1
Census Block	1173
Census Tract	970400

Owner

Source: Levy County records · APN 0857100000

Assessment roll updated July 1, 2025 · Last verified February 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 File
Mailing Address	PO BOX 429, CEDAR KEY, FL 32625-0429
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 08, 2025 · Amount on Record
Deed Sale	Dec 08, 2025 · Amount on Record
Prior Sale	Jan 12, 2015
Deed Document Number	761545
Deed Book / Page	1820 / 123
Record Updated	Jun 08, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEVY FL
Recording Date	Dec 08, 2025
Property Address	589 2ND ST, CEDAR KEY, FL 32625-5121
Document Number	0018200123
Book / Page	1820 / 123
Map Reference	MB 1 PG 3
Instrument Date	Dec 05, 2025
Instrument	761545
Transaction Type	Transfer
Record Updated	Jan 28, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,850.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 429, CEDAR KEY, FL 32625-0429

Mortgage

Document Number	0001820125
Date	Dec 08, 2025
Instrument	1820/125

Lender

Name	PESCADOR HOLDINGS LLC
Type	Non-Lending Institution

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Dec 01, 2027

Tax Assessment & Valuation

Source: Levy County records · Assessment roll updated July 1, 2025 · Last verified February 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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$260,122 (-8.1%) Land $60,000 Building $200,122	$260,122 (-8.1%) Land $60,000 Building $200,122
2024	$5,727.00 (-8.46%)
2023	$6,256.00 (+8.1%)	$283,047 (+5.84%)	$283,047 (+5.84%) Land $60,000 Building $223,047
2022	$5,787.00	$267,434	$267,434 Land $60,000 Building $207,434

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 15, 2023 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	13.0 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

Wildfire

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	Under 0.01% annual chance
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 as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 305 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CEDAR KEY WTP serves 735 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.