Steeve Cadeau
$1,250,000$2,500,000$7,404 /mo all-in ↓

00000 CLARK ISLAND, CEDAR KEY, FL, 32625

Active764 days on marketListed Jun 20, 2024MLS #OM679906

Reduced $1.3MWaterfrontACRG NONSUB

About this home

00000 CLARK ISLAND

BACK ON THE MARKET DUE TO BUYERS FINANCING FALLING THROUGH! SELLER WILL FINANCE CALL FOR MORE INFORMATION! Your Private Island Awaits!! Own your very own private island off the west coast of Florida! Enjoy unlimited sunrises and sunsets from this naturally beautiful 176-acre property, with 36 acres ready for construction, located south of the historic Suwannee River and north of Cedar Key. This property offers endless possibilities, making it ideal for a world-class resort, your dream home, or any private oasis you envision. Clark Island features extensive hiking trails and a fresh water spring nestled within a natural hardwood hammock running down the center. This secluded, wooded island is teeming with wildlife and boasts one of Florida’s finest fishing spots, Preacher Hole, just off its southern tip, where you can easily reel in redfish, trout, drum, and tarpon. Approximately one-third of the island has been thoughtfully cleared of underbrush, providing easy access, while the remaining untouched portion invites deer hunting, wildlife observation, and scenic hikes. Located just north of Cedar Key, FL, near the mouth of the Suwannee River, the island is surrounded by native vegetation, including palm trees, pine trees, hardwoods, cabbage palms, mangroves, and marsh grasses, adding to its natural beauty. Accessible only by boat, Clark Island offers complete privacy and tranquility. The pristine environment is perfect for building your dream home to enjoy with family and friends, or for developing a luxurious resort or hunting and fishing lodge for chartered excursions. Experience the peace and tranquility of times past as you watch dolphins splash under the moonlight or observe deer from a stand. This island could also serve as a unique amenity for a nearby inland development project. With breathtaking sunrises and sunsets over the Gulf Coast, Clark Island is a private, pristine, and perfect paradise. Schedule a private tour today and discover the endless possibilities awaiting you on this secluded Gulf Coast island.

Facts & features

The home at a glance

176 ac

Lot size

Waterfront

Inside

Outside & construction

Community & fees

Taxes (2023)$360/yr

Utilities & systems

UtilitiesOther
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$7,404 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$6,745
PMI (est., until 20% equity)$469
Property tax — 2023 actual bill$30
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $125,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $125,000
Interest rate6.00%
Loan term

Estimated payment

$7,404/mo

Principal & interest$6,745
PMI (est., until 20% equity)$469
Property taxes (actual bill)$30
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Where it sits

Inside Cedar Key

Map of 00000 CLARK ISLAND

Get to know Cedar Key. See the full Cedar Key guide →

CEDAR KEY 32625 — neighborhood snapshot

Population

1,255

Median age

62.3

Median income

$59,036

Median home value

$267,200

Avg household

1.83

Households w/ children

49%

The numbers that matter

The Cedar Key market

Seller’s marketLeans buyer14.0 months of inventoryBuyer’s market

$309K$75K

Cedar Key median sold, yr/yr

89.8%

Sale-to-list ratio (12 mo)

Median sold price, Cedar Key, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 942% above the CEDAR KEY 32625 median. See the full Cedar Key market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,250,000 $1.3M
Jun 20, 2024Listed at $2,500,000 · 764 days on market since

Reality check

What actually sold near 00000 CLARK ISLAND

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

651 SE 195TH AVENUESold · Aug ’25

$2,000,000

651 SE 195TH AVENUE · same community

1 bd · 1 ba · 1,152 sqft · $1,736/sqft · 12 DOM

5637 NW 165TH STREETSold · Sep ’25

$700,000

5637 NW 165TH STREET · same community

3 bd · 2 ba · 1,383 sqft · $506/sqft · 116 DOM

9145 NW 193 STREETSold · Apr ’26

$900,000

9145 NW 193 STREET · same community

2 bd · 2 ba · 1,536 sqft · $586/sqft · 52 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Steeve Cadeau

Your agent

Steeve Cadeau

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 00000 CLARK ISLAND — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 00000 CLARK ISLAND — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Steeve's phone and CRM.

Goes straight to Steeve’s phone and CRM.

Straight answers

00000 CLARK ISLAND FAQs

What would the monthly payment be for 00000 CLARK ISLAND?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,404/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

What are the property taxes on 00000 CLARK ISLAND?+

The most recent tax bill on record (2023) was $360. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Cedar Key?+

At $1,250,000, this home is listed about 209% above the Cedar Key median of $404,900. The market section on this page shows how the area is trending.

The brief

Four things that matter here

01Positioned at the premium end

$1,250,000 runs 942% above the CEDAR KEY 32625 median.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

764 days on market against a Cedar Key median of 62 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $2,500,000, now $1,250,000 — a $1.3M cut. The full history is in the market section below.

Listing courtesy of GLOBALWIDE REALTY LLC · Rosa Rivera Carrero. MLS #OM679906.

IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

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