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Active

Active·121 days on market

108 Sandra Lane

Crescent City, FL 32112

$574,999$426/sqftEst. $2,932/moMLS# 2136447

Beds

Baths

1,350

Sq Ft

2019

Built

—

Garage

Pool

About this home

Crescent City

Nestled along the shores of Crescent Lake, (15,900 acres) this stunning lakefront home combines a rare blend of comfort, elegance, and natural beauty. The impeccably maintained 2-bedroom, 2-bath home sits gracefully at the water's edge, where each sunrise paints the sky in breathtaking hues, best enjoyed from the spacious screened porch. Inside, refined details such as crown molding, a wood-burning fireplace, and open concept creating an atmosphere of warmth and sophistication. Set on a quiet dead-end street, the property spans approx. 0.72 acres of fully fenced, gated land adorned with mature trees and 110 feet of pristine lake frontage. The bulkheaded shoreline leads to a private dock equipped with water, electricity, and a covered boat house with lift--perfect for launching adventures across Dunns Creek & the St. Johns River to the Atlantic Ocean. Whether savoring tranquil mornings or setting out for a day on the water, this lakeside haven captures the essence of Florida living.

Cost to own

Mortgage calculator

Home Price

$574,999

Down Payment: 20%

$115,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,932

Principal & Interest: $2,932

Insurance (est.): $383

Estimated Total Monthly

$3,315

*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$2,932

Estimated total, before insurance$2,932/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,696/yr · $391/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): $4,696/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.

Hurricane evacuation zone C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Shingle — year not disclosed (home built 2019)

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

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,773 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

Mar 24, 2026Listed$574,999

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

Features

Price$574,999

Price / Sq Ft$426

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,350

Total Structure Area1,830 sq ft

Acres0.73 acres

Year Built2019

TypeResidential

Sub-TypeManufactured Home

StatusActive

Has PoolNo

Is WaterfrontYes

Direction FacesEast

Community Information

Address108 Sandra Lane, Crescent City, FL 32112

Area582-Pomona Pk/Welaka/Lake Como/Crescent Lake Est

SubdivisionMetes & Bounds

CityCrescent City

CountyPutnam

StateFL

Zip Code32112

Lot Size31,798.8 sq ft

Lot Dimensions100x282x110wfx261

Parcel Number341127000000300102

ZoningResidential

Amenities

UtilitiesCable Connected, Electricity Available, Electricity Connected, Water Available, Water Connected

SewerSeptic Tank

Water SourceWell

ParkingOff Street

ViewLake, Water

Waterfront TypeLake Front, Seawall

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

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

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Laminate, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories1

LevelsOne

LaundryIn Unit

SecurityClosed Circuit Camera(s)