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Active

Active·264 days on market

256 River Hill Drive

Welaka, FL 32193

$265,000$159/sqftEst. $1,351/moMLS# 2116011

Beds

Baths

1,665

Sq Ft

2022

Built

Garage

Pool

About this home

Welaka

Looking for a home that feels right the minute you step inside? Start here. Step into comfort and small-town charm in this beautifully maintained 2022-built 4BR/2BA home in Welaka's River Hills. Bright, open living spaces flow into a modern kitchen with eat-in bar, perfect for cooking, gathering, or casual meals. The split-bedroom plan offers privacy, with a peaceful primary suite featuring walk-in closet and ensuite bath. Three additional bedrooms provide flexibility for guests, office space, or hobbies. Enjoy a covered patio and spacious backyard ideal for morning coffee, BBQs, or evenings under the stars. Attached garage offers parking and storage. Transferable 1-year termite warranty (4/26-4/27) included for peace of mind. Located in charming Welaka, known for boating, fishing, and Old Florida appeal, with public boat ramps and nature trails minutes away. Come see why this one may feel like home the moment you walk in.

Cost to own

Mortgage calculator

Home Price

$265,000

Down Payment: 20%

$53,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,351

Principal & Interest: $1,351

Insurance (est.): $177

Estimated Total Monthly

$1,528

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,351

HOAbilled annually$11

Estimated total, before insurance$1,362/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$5,497/yr · $458/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

2024 property taxes (current owner): $5,497/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: material not specified — year not disclosed (home built 2022)

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

Solar potential: ~1,599 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

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