Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Active

Active·418 days on market

282 Byrd Road

Crescent City, FL 32112

$350,000$197/sqftEst. $1,799/moMLS# 2097435

Beds

Baths

1,781

Sq Ft

1958

Built

—

Garage

Pool

About this home

Crescent City

LAKE FRONT 3/2 BLOCK HOME ON 4.8+/- ACRE WITH AN ADDITIONAL 4.65+/- ACRE PARCEL #26-10-27-0000-0103-0000. THIS HOME HAS AN UPDATED KITCHEN WITH GRANITE COUNTERTOPS AND UPDATED APPLIANCES, BATHS HAVE BEEN UPDATED, NEWER VINYL FLOORING AND CARPETING, ELECTRICAL UPGRADES IN 2022, METAL ROOF INSTALLED 2022, A/C INSTALLED 2022. THERE IS AN OLDER STRUCTURE ON THE PROPERTY THAT COULD BE USED AS A GUEST HOME OR AN ART STUDIO. HOME IS SOLD ''AS IS'' NO REPAIRS WILL BE MADE.

Cost to own

Mortgage calculator

Home Price

$350,000

Down Payment: 20%

$70,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,799

Principal & Interest: $1,799

Insurance (est.): $233

Estimated Total Monthly

$2,033

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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 · 6.66% · 30yr$1,799

Estimated total, before insurance$1,799/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, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• 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

2024 property taxes (current owner): $262/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 A — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 — 2022 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,329 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History