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Active

Active·161 days on market

244 S Prospect Street

Crescent City, FL 32112

$416,880$235/sqftEst. $2,219/moMLS# 2128110
3
Beds
2
Baths
1,776
Sq Ft
1910
Built
—
Garage
No
Pool

About this home

Crescent City

Step into a piece of history with this enchanting 1910 two-story home, where timeless charm meets everyday living. Featuring 3 bedrooms and 2 baths, this gem sits just minutes from Crescent Lake and Lake Stella - perfect for morning strolls, sunset views, and soaking in the neighborhood's warm, welcoming vibe. Classic character, a friendly community, and 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

$416,880
$83,376
Loan Term
Monthly Payment
$2,106
Principal & Interest: $2,106
Est. Taxes & Insurance: $526
Estimated Total Monthly
$2,632
*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,219
Estimated total, before insurance$2,219/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
  • • 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

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 home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

  • Feb 5, 2026Listed$416,880

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$416,880
Price / Sq Ft$235
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,776
Total Structure Area2,560 sq ft
Acres0.26 acres
Year Built1910
TypeResidential
Sub-TypeSingle Family Residence
StyleHistoric
Property ConditionUpdated/Remodeled
StatusActive
# of Carport Spaces1
Has PoolNo
Is WaterfrontNo
Direction FacesEast

Community Information

Address244 S Prospect Street, Crescent City, FL 32112
Area583-Crescent/Georgetown/Fruitland/Drayton Isl
SubdivisionCrescent Hill
CityCrescent City
CountyPutnam
StateFL
Zip Code32112
Lot Size11,325.6 sq ft
Lot Dimensions140 DEEP X 81 WIDE
Parcel Number301228182000300010

Amenities

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected, Other
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Attached Carport, Covered, RV Access/Parking

Interior

Interior FeaturesBuilt-in Features, Butler Pantry, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Walk-In Closet(s)
AppliancesDishwasher, Dryer, Gas Range, Gas Water Heater, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
# of Stories2
LevelsTwo
LaundryLower Level

Exterior

Lot DescriptionCorner Lot, Historic Area
Patio / PorchCovered, Front Porch, Rear Porch, Screened, Side Porch
RoofMetal
Other StructuresShed(s)
Road SurfacePaved
Road FrontageCity Street

Additional Information

Date ListedFebruary 5, 2026
Days on Market114
Tax Amount$2,068.59
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: UNITED REAL ESTATE GALLERY

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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Your Local Expert

Krista Fracke - Broker Associate

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.

Contact KristaText Krista about this home

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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