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Active

Active·62 days on market

312 Oak Street

Crescent City, FL 32112

$229,000$145/sqftEst. $1,219/moMLS# 2053922

Beds

Baths

1,577

Sq Ft

1925

Built

Garage

Pool

About this home

Crescent City

Circa 1925 Craftsman home in the heart of Crescent City! This 3-bedroom, 2-bath charmer features beautiful hardwood floors, original diamond-shaped windows, and lovely built-ins flanking the fireplace, which can easily be converted to gas. A true must-see to appreciate! Updated in 1995 per county records.

Cost to own

Mortgage calculator

Home Price

$229,000

Down Payment: 20%

$45,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,157

Principal & Interest: $1,157

Est. Taxes & Insurance: $289

Estimated Total Monthly

$1,446

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.0% · 30yr$1,219

Estimated total, before insurance$1,219/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Cost to own

Taxes & assessment

2023 property taxes (current owner): $2,462/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Sources: Florida DOR certified tax roll, NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Metal — year not disclosed (home built 1925)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer (public record)

County records show this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,572 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

May 14, 2026Listed$229,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$229,000

Price / Sq Ft$145

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,577

Total Structure Area1,891 sq ft

Acres0.21 acres

Year Built1925

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman

StatusActive

# of Garages2

# of Carport Spaces2

Has PoolNo

Is WaterfrontNo

School Information

MiddleCrescent City

HighCrescent City

Community Information

Address312 Oak Street, Crescent City, FL 32112

Area583-Crescent/Georgetown/Fruitland/Drayton Isl

SubdivisionCrescent Hill

CityCrescent City

CountyPutnam

StateFL

Zip Code32112

Lot Size9,147.6 sq ft

Lot Dimensions65 x 140

Parcel Number301228557001500030

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Natural Gas Available, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingCarport, Detached, Garage

ViewOther

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Eat-in Kitchen, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Split Bedrooms, Vaulted Ceiling(s)

AppliancesDishwasher, Gas Cooktop

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringWood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesOther

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup