973 7th St, Cedar Key, FL 32625 Property Records

Levy County property record for 973 7th St, Cedar Key, FL 32625 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,838 sqft · built 1915
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Company Names on File
Last Sale	$292,000 (Nov 2020)
Tax Bill	$6,545 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Apr 2026 Mortgage + 5 more
Flood Zone	Zone X (moderate risk)
APN	`08718-000-00`

Property Details

APN / Parcel Number

Primary APN	`08718-000-00`
Alternative APNs	`3215130871800000` `3115130871800000`

Interior

Full Baths	2 Baths
Building Area	1,838 sqft Living Area
Gross Area	2,438 sqft
1st Floor Area	1,838 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1977
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Carport
Garage Area	192 sqft
Carport	Carport
Carport Area	192 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	408 sqft
Storage Building	120 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	973 7TH ST
City	CEDAR KEY
State	FL
Zip	32625-5069
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	31-15-13 CEDAR KEY BLK 40 LOTS 9 & 10 & & W 10FT L 8 & S 2FT OF L11 & 12 OR BOOK 1603 PAGE 941
Legal Range	13E
Legal Township	15S
Legal Section	32
Legal Subdivision	CEDAR KEY
Legal Block	40
Legal Lot Number	8
Jurisdiction	LEVY FL
Township / Civil Division	CEDAR KEY-YANKEETOWN
Census Block Group	1
Census Block	1164
Census Tract	970400

Owner

Source: Levy County records · APN 08718-000-00

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

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

Owner of Record	2 Company Names on File
Mailing Address	973 7TH ST, CEDAR KEY, FL 32625-5069
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2026	Deed of Trust, Mortgage · Commercial Mortgage FARM CREDIT SERVICES OF FLORIDA ACA
Apr 23, 2026	Deed of Trust · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 23, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 27, 2022	Deed of Trust, Mortgage · Line of Credit CHEVRON FCU
Sep 16, 2024	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 21, 2021	Intrafamily Transfer, Transfer
Nov 20, 2020	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 20, 2020 · Amount on Record
Deed Sale	Nov 20, 2020 · Amount on Record
Prior Sale	Jul 17, 2012 · Amount on Record
Deed Document Number	2020675095
Deed Book / Page	1559 / 433
Last Transfer Date	Sep 17, 2021
Transfer Doc	0016030941
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEVY FL
Property Address	973 7TH ST, CEDAR KEY, FL 32625-5069
Transaction Type	Mortgage
Record Updated	May 13, 2026
Title Company	LEVY ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	973 7TH ST, CEDAR KEY, FL 32625-5069

Mortgage

Document Number	0018350038
Date	Mar 17, 2026
Book Page	1835/38
Instrument	766097

Lender

Name	FARM CREDIT SERVICES OF FLORIDA ACA
Type	Bank
Address	ROYAL PALM BEACH, FL 33421

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

April 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	LEVY FL
Recording Date	Apr 23, 2026
Property Address	973 7TH ST, CEDAR KEY, FL 32625-5069
Document Number	0000767880
Book / Page	1841 / 160
Instrument Date	Apr 10, 2026
Instrument	2026.767880
Record Updated	May 01, 2026
Title Company	ROCKET MORTGAGE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant, 269
Address	973 7TH ST, CEDAR KEY, FL 32625-5069

Mortgage

Document Number	0000767880,
Date	Apr 23, 2026
Book Page	1841/160
Instrument	2026.767880

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 01, 2041

Interest

Rate Type	Fixed Rate
Rate	5.5%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEVY FL
Recording Date	Apr 23, 2026
Property Address	973 7TH ST, CEDAR KEY, FL 32625-5069
Document Number	0018410160
Book / Page	1841 / 160
Instrument Date	Apr 10, 2026
Instrument	2026767880
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ROCKET MORTGAGE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust, 189
Address	973 7TH ST, CEDAR KEY, FL 32625-5069

Mortgage

Document Number	0000767880,
Date	Apr 23, 2026
Book Page	1841/160
Instrument	2026767880

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 01, 2041

Interest

Rate Type	Fixed Rate
Rate	5.5%
Initial Type	Fixed Rate
Max Rate	-1%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEVY FL
Property Address	973 7TH ST, CEDAR KEY, FL 32625-5069
Transaction Type	Mortgage
Record Updated	Jan 05, 2026
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	973 7TH ST, CEDAR KEY, FL 32625-5069

Mortgage

Document Number	0016500793
Date	Jul 27, 2022
Book Page	1650/793
Instrument	705135

Lender

Name	CHEVRON FCU
Type	Credit Union
Address	CONCORD, CA 94520

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Aug 04, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEVY FL
Property Address	973 7TH ST, CEDAR KEY, FL 32625-5069
Transaction Type	Mortgage
Record Updated	Jan 05, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	973 7TH ST, CEDAR KEY, FL 32625-5069

Mortgage

Document Number	0017530548
Date	Sep 16, 2024
Book Page	1753/548
Instrument	740808

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 01, 2039

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LEVY FL
Recording Date	Sep 21, 2021
Property Address	973 7TH ST, CEDAR KEY, FL 32625-5069
Document Number	0016030941
Book / Page	1603 / 941
Map Reference	MB 1 PG 3
Instrument Date	Sep 17, 2021
Instrument	689698
Transaction Type	Transfer
Record Updated	Jan 05, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	973 7TH ST, CEDAR KEY, FL 32625-5069

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEVY FL
Recording Date	Nov 20, 2020
Property Address	973 7TH ST, CEDAR KEY, FL 32625-5069
Document Number	0015590433
Book / Page	1559 / 433
Map Reference	MB 1 PG 3
Instrument Date	Nov 18, 2020
Instrument	675095
Transaction Type	Transfer
Record Updated	Jan 31, 2022
Title Company	LEVY ABSTRACT & TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,044.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	973 7TH ST, 973, CEDAR KEY, FL 32625-5069

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	878 PLUM TREE, LIVINGSTON, TX 77351-7930

Mortgage

Document Number	0001559434
Date	Nov 20, 2020
Instrument	1559/434

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2050

Tax Assessment & Valuation

Source: Levy County records · Assessment roll updated November 17, 2025 · Last verified July 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	$6,545.00 (+8.92%) Homeowner's exemption	$310,705 (+6.77%)	$369,298 (+6.08%) Land $137,500 Building $231,798
2024	$6,009.00 (+0.37%)
2023	$5,987.00 (+5.42%) Homeowner's exemption	$291,001 (+4.66%)	$348,122 (+12.6%) Land $137,500 Building $210,622
2022	$5,679.00 Homeowner's exemption	$278,036	$309,155 Land $137,500 Building $171,655

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	Moderate
500-Year Floodplain	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 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 125 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 and 4G LTE

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