1 / 28

Active

Active·78 days on market

1001 Shell Street

Welaka, FL 32193

$219,900$136/sqftEst. $1,121/moMLS# 2116124

Beds

Baths

1,620

Sq Ft

2024

Built

—

Garage

Pool

About this home

Welaka

🌴 Grab your spot in this Old Florida fishing village! Start living the Florida River Life in Welaka, Putnam County — where golf carts rule, neighbors wave, and every day feels like vacation. This nearly new 2024, 4BR/2BA home offers 1,620 sq ft of modern comfort on a low-maintenance 0.30-acre lot, giving you more time for boating, fishing, springs, and fun — and less time on yard work. Just minutes to the public boat ramp and the legendary St. Johns River, plus a short golf-cart ride to restaurants, pubs, shops, and community events. Launch your boat, explore nearby springs, reel in dinner,then cruise home by golf cart — this is the Welaka lifestyle! Inside you'll love the open floor plan, bright kitchen, and spacious bedrooms designed for relaxed living. Perfect as a primary home, winter retreat, or weekend escape. Now's your chance to claim your place in this growing river community and start living the Florida dream!

Cost to own

Mortgage calculator

Home Price

$219,900

Down Payment: 20%

$43,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,121

Principal & Interest: $1,121

Insurance (est.): $147

Estimated Total Monthly

$1,268

*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$1,121

Estimated total, before insurance$1,121/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): $160/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: Shingle — year not disclosed (home built 2024)

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

Solar potential: ~1,613 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