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Pending

Pending·164 days on market

126 Georgia Avenue

Crescent City, FL 32112

$205,000$112/sqftEst. $1,045/moMLS# 2128290

Beds

Baths

1,824

Sq Ft

1979

Built

—

Garage

Pool

About this home

Crescent City

COMPLETELY RENOVATED AND BRAND NEW! There is nothing else like this for the price. Lakefront 3-bedroom 2 bathroom home with attached in-law suite, offering an additional 1 bedroom and full bath--ideal for guests, multigenerational living, or rental potential. This home has been completely renovated, with everything new inside and out! The lakefront setting features a private dock, perfect for fishing and enjoying breathtaking sunrises. Outdoor living shines with a screened-in porch and wrap-around deck with a fish cleaning station, creating multiple spaces to relax and take in the water views. Located just minutes from the St. Johns River and deeded access to the boat ramp. Its close to Renegades, offering boat rentals, cabin rentals, restaurant, and bar--making it easy to enjoy waterfront dining and recreation. Move-in ready, beautifully updated, and perfectly positioned for laid-back Florida waterfront living. https://share.google/9DKK8dlP3JUlDTgSu

Cost to own

Mortgage calculator

Home Price

$205,000

Down Payment: 20%

$41,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,045

Principal & Interest: $1,045

Insurance (est.): $137

Estimated Total Monthly

$1,182

*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$1,045

Estimated total, before insurance$1,045/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,447/yr · $204/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

2025 property taxes (current owner): $2,447/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 1979)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,706 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

Price & status history

Jul 16, 2026Pending$205,000
Feb 11, 2026Listed$205,000

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

Features

Price$205,000

Price / Sq Ft$112

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage1,824

Total Structure Area1,472 sq ft

Acres0.24 acres

Year Built1979

TypeResidential

Sub-TypeManufactured Home

StyleMulti Generational, Other

Property ConditionUpdated/Remodeled

StatusPending

# of Carport Spaces2

Has PoolNo

Is WaterfrontYes

Community Information

Address126 Georgia Avenue, Crescent City, FL 32112

Area583-Crescent/Georgetown/Fruitland/Drayton Isl

SubdivisionCrescent City Add

CityCrescent City

CountyPutnam

StateFL

Zip Code32112

Lot Size10,454.4 sq ft

Parcel Number261226781200002690

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

Green / EnergyLighting

ParkingAdditional Parking, Carport

ViewLake, Water

Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Guest Suite, In-Law Floorplan, Open Floorplan, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringLaminate

# of Stories1

LaundryIn Unit