Eric Chery

15780 SUNSET POINT DRIVE, CEDAR KEY, FL, 32625

Active37 days on marketListed Jun 16, 2026MLS #GC541257

Waterfront

About this home

15780 SUNSET POINT DRIVE

This is a rare opportunity to own the tip of Sunset Point in Cedar Key with nearly 1,000 feet of waterfront and open water views spanning more than 180 degrees. The property totals 41.2 acres, with 1.720 acres of FDEP-approved upland across two separate waterfront lots that together form a natural point surrounded by water on three sides. Just 400 feet off that point sits your island — reachable by kayak or paddleboard — included in the total acreage and adding another layer to an already exceptional property. The two lots can be combined into a single estate-sized homesite or held and used separately. Either way, building here means building on pilings — elevated above the marsh, among the twisting branches of the sand live oaks, and oriented toward open water to capture the million dollar views. An existing dock with a covered platform is on site, accessible by inshore boats at mid to high tide. City water, sewer, and electric are already stubbed to the property. A completed boundary survey with FDEP-approved Mean High Water Line and established Base Flood Elevation are in hand — the preliminary work that typically takes months after closing is already done. Properties like this don't come back around. The combination of location, acreage, waterfront, and natural character that define Sunset Point simply cannot be assembled from scratch. This is a legacy property in the truest sense — the kind a family holds for generations and never regrets buying. *Buyers are encouraged to independently verify all building and zoning regulations with Cedar Key, Levy County and applicable regulatory agencies to their satisfaction prior to closing.*

Facts & features

The home at a glance

40.9 ac

Lot size

WaterfrontWater view

Inside

Outside & construction

ViewWater

Community & fees

Taxes (2025)$5,117/yr

Utilities & systems

UtilitiesPublic · Sewer Available · Water Available
WaterPublic

The numbers

What it really costs

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

$3,112 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,349
FHA mortgage insurance (est.)$176
Property tax — 2025 actual bill$426
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $13,965Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

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
Down payment3.5% · $13,965
Interest rate6.00%
Loan term

Estimated payment

$3,112/mo

Principal & interest$2,349
FHA mortgage insurance (est.)$176
Property taxes (actual bill)$426
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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 15780 SUNSET POINT DRIVE

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 221% above the CEDAR KEY 32625 median. See the full Cedar Key market guide →

Paper trail

This home's history

Jun 16, 2026Listed at $399,000 · 37 days on market since

Reality check

What actually sold near 15780 SUNSET POINT DRIVE

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

16360 AIRPORT ROADSold · Jul ’25

$550,000

16360 AIRPORT ROAD

2 bd · 2 ba · 928 sqft · $593/sqft · 95 DOM

1149 SHELL CREST AVENUESold · Mar ’26

$208,500

1149 SHELL CREST AVENUE

2 bd · 2 ba · 1,104 sqft · $189/sqft · 344 DOM

12303 CEDAR STREETSold · Feb ’26

$148,000

12303 CEDAR STREET

2 bd · 2 ba · 1,248 sqft · $119/sqft · 113 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.

Eric Chery

Your agent

Eric Chery

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 15780 SUNSET POINT DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 15780 SUNSET POINT DRIVE — before you fall in love.

See it in person

Schedule a tour

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

Goes straight to Eric’s phone and CRM.

Straight answers

15780 SUNSET POINT DRIVE FAQs

What would the monthly payment be for 15780 SUNSET POINT DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,112/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 15780 SUNSET POINT DRIVE?+

The most recent tax bill on record (2025) was $5,117. 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 $399,000, this home is listed about 1% below the Cedar Key median of $404,900. The market section on this page shows how the area is trending.

Listing courtesy of UNITED COUNTRY SMITH & ASSOCIATES - NEWBERRY · Tucker Smith. MLS #GC541257.

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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