Sold·Closed Aug 24, 2026·182 days on market
521 N Lake Street
Crescent City, FL 32112
About this home
Crescent City
MOTIVATED seller -$$5,000 towards buyer's closing costs! FURNISHED POOL HOME W/ A LAKE VIEW?! If the water is calling you, this is the best of both worlds! Captivating CRESCENT LAKE views on the horizon & a SALT POOL (fenced), privately situated in the back. To protect your pockets, recent updates include; 2023 roof, 2022 HVAC, 2025 salt system, 2024 electric updates, newer stainless appliances, washer/dryer, water softener, flooring & more. Proximal to the lake yet HIGH & DRY! Situated walking distance(0.5 mile)to the public boat ramp & entertainment. Offering 2 drives w/ ample parking, garage, & a workshop. This home is built to entertain & methodically laid out for a rental/multi-family use, (ext. access to both levels!) Level 1: Primary suite w/ office/nursery & bathroom attached, full guest bath, open concept living/kitchen, screened FL room, & covered front porch. Level two: 3 sizable bedrooms, 1 full bath, garage, & oversized laundry room that could be converted to kitchenette
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 — 2023 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Sewer (public record)
County records show this parcel on central sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,728 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 homeAs 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.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard and pool on the west side. Today at this address: sunrise 7:25 AM, sunset 7:00 PM.
- A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- Morning coffee happens in shade; the front of the home takes the sunrise.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $7,656/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.
History
Price & status history
- Aug 27, 2026Closed$399,999
- Jul 23, 2026Pending$399,999
- Jan 21, 2026Listed$399,999
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $192/sq ft; this home is listed at $162/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 231 Oleander Avenue, Crescent City, FL 32112Listed by IHEART REALTY INC | Jun 2025 | $284,000 | $137 | 4/2.5 | 2,076 | 300 | 0.1 |
| 601 Vernon Avenue, Crescent City, FL 32112Listed by CENTURY 21 TRITON REALTY | Jul 2026 | $350,000 | $192 | 3/2 | 1,821 | 38 | 0.4 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CW REALTY
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 24, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
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