Active·206 days on market
244 S Prospect Street
Crescent City, FL 32112
About this home
Crescent City
THE PRICE JUST GOT BETTER!! Step into a piece of history with this well maintained 1910 two-story home, where timeless charm meets everyday living with a lake view. Featuring 3 bedrooms and 2 baths, this gem sits just 1/2 mile from the Crescent Lake boat ramp, restaurants, cafes, Lake Stella - perfect for morning strolls, sunset views, and soaking in the neighborhood's warm, welcoming vibe. Classic character, wild roaming peacocks in a friendly community. It's a lifestyle you'll fall in love with-this is more than a home, it's a story waiting for its next chapter!
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
2025 property taxes (current owner): $2,069/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 1910)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely sewer
County records indicate this parcel on central sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,384 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 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.
History
Price & status history
- Aug 8, 2026Price change$399,900−$16,980
- Feb 5, 2026Listed$416,880
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: UNITED REAL ESTATE GALLERY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
More homes in Crescent Hill
Active$360,000MLS# 2090635Est. $1,916/mo232 S Main Street, Crescent City, FL 321123 Beds1 Baths1,260 sqftHome on Lake Stella in Crescent City. that has been Remodeled. Lake Stella is a Beautiful Recreational Clear Water Lake…
ResidentialCOLDWELL BANKER BEN BATES INC
Active$229,000MLS# 2053922Est. $1,219/mo312 Oak Street, Crescent City, FL 321123 Beds2 Baths1,577 sqftCirca 1925 Craftsman home in the heart of Crescent City! This 3-bedroom, 2-bath charmer features beautiful hardwood…
ResidentialCENTURY 21 TRITON REALTY
Active$575,000MLS# 2122867Est. $3,060/mo802 Lemon Avenue, Crescent City, FL 321123 Beds2 Baths1,682 sqftWake up every day to breathtaking water views in this fully furnished 3-bedroom, 2.5-bath lakefront home located on…
ResidentialST JOHNS REALTY AND MANAGEMENT LLC
Keep looking
Similar homes in Crescent City
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines