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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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Sold

Sold·Closed May 1, 2026·5 days on market

13224 NE 199th Street

Waldo, FL 32694

$190,000sold priceListed at $280,000 · 67.9% of asking$107/sqftMLS# 2134914
3
Beds
2
Baths
1,770
Sq Ft
1995
Built
—
Garage
No
Pool
No HOA3.00 acresSingle Family Residence1 story

About this home

Waldo

Looking for a nice and quiet area living in the Country where you can go fishing or skiing everyday. Then you need to check this out, this three bedroom, two bath home with approximately 2,302 sq. ft., formal dining room, family room, glassed in porch and separate laundry room. Original wood floors in some of the rooms. Single car carport attached for access to side entrance to home. Beautiful trees and view of the lake. Additional acreage is available.

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$1,052
Estimated total, before insurance$1,052/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,735/yr · $311/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

$190,000
$38,000
Loan Term
Monthly Payment
$1,052
Principal & Interest: $1,052
Insurance (est.): $127
Estimated Total Monthly
$1,179
*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: Metal — year not disclosed (home built 1995)

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

Solar potential: ~1,648 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.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:32 AM, sunset 6:55 PM.

  • 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.
  • Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
  • 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): $3,735/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 $264/sq ft; this home is listed at $158/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
21104 NE 114th Avenue, Waldo, FL 32694Listed by CENTURY 21 LAKESIDE REALTYDec 2025$328,500$1973/31,664141.4
2380 SE 43rd Street, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLCNov 2025$600,000$2643/2.52,2693161.7
9817 County Rd 1469, Earleton, FL 32631Listed by CB ISAAC REALTYMay 2025$848,100$6002/21,414612.4

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

Price$280,000
Price / Sq Ft$158
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,770
Total Structure Area2,303 sq ft
Acres3.00 acres
Year Built1995
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Carport Spaces1
Has PoolNo
Is WaterfrontNo
Direction FacesEast

School Information

ElementaryChester Shell
MiddleHawthorne
HighHawthorne

Community Information

Address13224 NE 199th Street, Waldo, FL 32694
Area721-Orange Heights-North Of SR-26
SubdivisionMcmanus
CityWaldo
CountyAlachua
StateFL
Zip Code32694
Lot Size130,680 sq ft
Lot Dimensionssee file
Parcel Number18385-001-000
ZoningResidential

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingAdditional Parking
ViewLake, Trees/Woods

Interior

Interior FeaturesEat-in Kitchen, Kitchen Island, Pantry
AppliancesDishwasher, Electric Oven, Electric Range, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile, Vinyl, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionAgricultural
Patio / PorchCovered, Glass Enclosed, Porch
FencingPrivacy, Wood
RoofMetal
ConstructionStone
Road SurfaceDirt, Gravel
Road FrontageCounty Road

Additional Information

Date ListedMarch 13, 2026
Days on Market5
Tax Amount$3,734.7
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CB ISAAC REALTY

Sold by: CB ISAAC REALTY (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 May 1, 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

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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