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Active

Active·226 days on market

200 1st Avenue

Welaka, FL 32193

$360,000$245/sqftEst. $1,836/moMLS# 2121245

Beds

Baths

1,470

Sq Ft

1925

Built

—

Garage

Pool

About this home

Welaka

🌴 Welcome to the River Life in charming Welaka! This beautifully updated 1925 historic home offers the perfect blend of character, comfort, and small-town Florida living. Featuring 4 bedrooms, 2 bathrooms, and sold mostly furnished (primary bedroom unfurnished), it's move-in ready so you can start enjoying the lifestyle right away. Located directly behind Shrimps R Us and just a short golf-cart ride to local restaurants, pubs, shops, and community events, you'll love the convenience and friendly atmosphere. The public boat ramp is only two blocks away, making it easy to spend your days boating, fishing, and exploring the St. Johns River and nearby springs. Situated on over half an acre, this fully fenced property includes a pole barn, additional carport, and plenty of room for boats, golf carts, and outdoor toys. Enjoy morning fishing trips, afternoons on the water, and evenings with friends--all without leaving your golf cart. This is more than a home; it's the Florida lifestyle!

Cost to own

Mortgage calculator

Home Price

$360,000

Down Payment: 20%

$72,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,836

Principal & Interest: $1,836

Insurance (est.): $240

Estimated Total Monthly

$2,076

*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$1,836

Estimated total, before insurance$1,836/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): $441/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 · 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: ~1,529 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