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Sold·Closed Apr 16, 2026·39 days on market

195 River Ridge Place

Welaka, FL 32193

$246,000sold priceListed at $254,000 · 96.9% of asking$148/sqftMLS# 2130185
4
Beds
2
Baths
1,666
Sq Ft
2022
Built
2
Garage
No
Pool
HOA $12/mo12,632 sqft lotSingle Family Residence1 story

About this home

Welaka

Beautifully maintained 2022-built home in the growing River Hill community in Welaka, FL, just minutes from public boat ramp access to the St. Johns River. This 4-bedroom, 2-bath split-bedroom layout offers 1,666 square feet of open-concept living space with luxury vinyl plank flooring and crown molding accents throughout. The kitchen features granite countertops, stainless steel appliances, a spacious breakfast bar, and generous cabinet space. The private primary suite includes dual vanities and a walk-in closet. Situated on a 0.30-acre lot, the fully fenced backyard provides space to relax or entertain, with plenty of room for pets, play, weekend gatherings, and outdoor enjoyment, plus space for gardening or future enhancements and added privacy, and the epoxy-finished 2-car garage adds durability and function. With modern construction and upgrades complete, this home offers peaceful, easy living for every stage of life. *Some photos have been virtually staged.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$1,363
HOAbilled annually$12
Estimated total, before insurance$1,375/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,377/yr · $448/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$246,000
$49,200
Loan Term
Monthly Payment
$1,363
Principal & Interest: $1,363
Insurance (est.): $164
Estimated Total Monthly
$1,527
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2022)

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

Solar potential: ~1,558 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

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

East-facing backyard — the morning-light lot

The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:29 AM, sunset 6:54 PM.

  • The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
  • The front of the home carries the hot western afternoon instead of your living space.

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): $5,377/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.

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 $140/sq ft; this home is listed at $152/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
171 River Ridge Place, Welaka, FL 32193Listed by OPENDOOR BROKERAGE, LLC.Jul 2026$219,200$1483/21,477930
200 River Hill Drive, Welaka, FL 32193Listed by WJH BROKERAGE FL LLCJul 2025$269,990$1494/21,8111500
322 River Hill Drive, Welaka, FL 32193Listed by WJH BROKERAGE FL LLCDec 2025$219,888$1324/21,6663520.1
277 River Ridge Place, Welaka, FL 32193Listed by WJH BROKERAGE FL LLCNov 2025$269,990$1394/31,941510.1
262 River Ridge Place, Welaka, FL 32193Listed by WJH BROKERAGE FL LLCNov 2025$253,990$1404/21,811910.1
261 River Hill Drive, Welaka, FL 32193Listed by TIMBER TO TIDES REALTY LLCNov 2025$265,000$1354/31,9621270.1

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

Price$254,000
Price / Sq Ft$152
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,666
Acres0.29 acres
Year Built2022
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesWest

School Information

MiddleCrescent City
HighCrescent City

Community Information

Address195 River Ridge Place, Welaka, FL 32193
Area582-Pomona Pk/Welaka/Lake Como/Crescent Lake Est
SubdivisionRiver Hills
CityWelaka
CountyPutnam
StateFL
Zip Code32193
Lot Size12,632.4 sq ft
Lot Dimensions60'x159'
Parcel Number031226924200000870
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
Green / EnergyWindows
ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator
HeatingCentral, Heat Pump
CoolingCentral Air
FlooringCarpet, Vinyl
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Lot DescriptionCleared
Patio / PorchCovered, Front Porch, Rear Porch
FencingBack Yard, Privacy, Vinyl
RoofShingle
ConstructionBlock
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedFebruary 25, 2026
Days on Market39
HOA Fees$149.99 / Annually
HOA FrequencyAnnually
Tax Amount$5,376.88
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WELAKA REALTY LLC

Sold by: WELAKA REALTY LLC (buyer's brokerage)

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Apr 16, 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.

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20+ years · 500+ closings · NE Florida

Is this home priced right?

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