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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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Active

Active·3 days on market

425 SE 2nd Street

Williston, FL 32696

$179,900$154/sqftEst. $996/moMLS# 2138288
↓ $20,000 below original list
2
Beds
2
Baths
1,168
Sq Ft
1940
Built
—
Garage
No
Pool
FEMA Zone XNo HOA8,712 sqft lotSingle Family Residence1 story

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Williston

Charming fully updated home in the heart of Williston! This beautifully renovated residence features a brand-new kitchen, bathrooms, electrical system and repipe completed in 2025, along with a brand new HVAC system for year-round comfort. Thoughtful improvements include a durable metal roof and quality finishes throughout. Sit and relax on the inviting front porch overlooking an attractive decorative pond that enhances the home's curb appeal. The property also offers a convenient storage shed in the backyard and a well-proportioned lot ideal for outdoor enjoyment. Combination of classic character with modern updates makes this an exceptional opportunity in Levy County.

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$996
Estimated total, before insurance$996/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$649/yr · $54/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

$179,900
$35,980
Loan Term
Monthly Payment
$996
Principal & Interest: $996
Insurance (est.): $120
Estimated Total Monthly
$1,116
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 1940)

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. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

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

Solar potential: ~1,438 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

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.

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 7:04 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.
  • A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
  • 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

YearMarket valueTaxable valueChange
2025$2,540,955$835,344—
2025$69,811$60,712▲ $4,904
2024$2,426,162$811,094—
2024$65,329$55,193▲ $8,128
2023$2,304,441$786,014—
2023$59,663$50,176—
2022$2,007,995$761,664—
2022$49,667$45,615—
2021$1,474,456$738,023—
2021$41,469$41,469—
2020$1,395,182$727,143—
2020$34,887$28,274▲ $4,104

2024 property taxes (current owner): $649/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 (2025), NEFMLS.

History

Price & status history

  • Oct 7, 2026Active$179,900
  • Sep 19, 2026Pending$179,900
  • Sep 8, 2026Price change$179,900−$20,000
  • Jul 7, 2026Withdrawn$199,900
  • Apr 3, 2026Listed$199,900

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

Features

Price$179,900
Price / Sq Ft$154
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,168
Total Structure Area1,452 sq ft
Acres0.20 acres
Year Built1940
TypeResidential
Sub-TypeSingle Family Residence
StyleOther
Property ConditionUpdated/Remodeled
StatusActive
Has PoolNo
Is WaterfrontNo
Direction FacesWest

School Information

ElementaryOther
MiddleOther
HighOther

Community Information

Address425 SE 2nd Street, Williston, FL 32696
Area661-Levy County-East
SubdivisionMetes & Bounds
CityWilliston
CountyLevy
StateFL
Zip Code32696
Lot Size8,712 sq ft
Parcel Number0574400000
ZoningSingle Family

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingOther, Parking Lot

Interior

Interior FeaturesCeiling Fan(s), Other
AppliancesOther, Dishwasher, Electric Oven, Electric Water Heater, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringVinyl
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup
SecuritySmoke Detector(s)

Exterior

RoofMetal
ConstructionOther
Other StructuresShed(s)
Road SurfacePaved

Additional Information

Date ListedOctober 7, 2026
Days on Market94
Tax Amount$649
Tax Year2024
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan, Other
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MILLER REAL ESTATE, INC

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

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20+ years · 500+ closings · NE Florida

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