Hello! As a Buyer, You may offer what you would like to offer, Agents are the messegeners on your behave. But Agents do have good as advise most of the time! You never know the Seller's situation on putting in low offer. One house sold in Cedar Key recently that was priced at around $470K and the sellers took an offer of $350K. You Never Know!! Comps are hard in sometimes in Cedar Key because we are surely not any type of subdivision. ONE THING that many of the Sellers in Cedar Key do not understand, that IF the Buyers are getting fincaning, Mortgage Lenders will not leand more than the house is worth!