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Active

Active·79 days on market

600 Palmetto Street

Welaka, FL 32193

$225,000$167/sqftEst. $1,147/moMLS# 2116153

Beds

Baths

1,344

Sq Ft

1975

Built

—

Garage

Pool

About this home

Welaka

🌴 Rare Welaka Gem on Nearly an Acre - Owner Will Finance Up to 50%! Discover the relaxed Florida lifestyle in this refreshed 3BR/2BA home on a fully fenced corner lot just under an acre--an incredibly rare find within Welaka city limits! Offering 1,344 sq. ft. of comfortable living, you're just minutes from the St. Johns River, public boat ramps, local restaurants, and everything this golf-cart-friendly community has to offer. Recent improvements include drywall interiors, vinyl siding, a concrete foundation, and a durable metal roof. The property also features a 24x24 concrete workshop, additional outbuilding, carport, and a fish-cleaning station with water and power--perfect for boating, fishing, hobbies, and storing all your toys. Public water and sewer plus a private irrigation well add convenience, while the spacious yard provides plenty of room for gardening, entertaining, or simply enjoying the Old Florida lifestyle. Some photos may include virtual staging.

Cost to own

Mortgage calculator

Home Price

$225,000

Down Payment: 20%

$45,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,147

Principal & Interest: $1,147

Insurance (est.): $150

Estimated Total Monthly

$1,297

*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$1,147

Estimated total, before insurance$1,147/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$2,908/yr · $242/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): $2,908/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 1975)

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

Sewer · FLA011705 - Welaka WWTF · Public water (record)

County records show this parcel on central sewer served by FLA011705 - Welaka WWTF — no septic system to inspect or maintain.

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

Solar potential: ~1,378 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