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Active

Active·5 days on market

160 Moonlite Drive

Welaka, FL 32189

$274,900$168/sqftEst. $1,468/moMLS# 2138670
↓ $24,600 below original list
3
Beds
2
Baths
1,637
Sq Ft
1983
Built
—
Garage
No
Pool
FEMA Zone AENo HOA4,792 sqft lotWaterfrontManufactured Home1 story

About this home

Welaka

Here's Your Chance to Own in One of Welaka's Most Sought-After Waterfront Communities! Discover the waterfront lifestyle you've been dreaming of in Sportsman's Harbor, a desirable canal-front community in Welaka. Situated on a navigable canal with direct access to the St. Johns River, this well-maintained 3-bedroom, 2-bath split-plan home is perfect for boating, fishing, and enjoying peaceful waterfront living. The spacious living area features a cozy wood-burning fireplace, while the functional kitchen with breakfast bar opens to comfortable living spaces. All bedrooms offer walk-in closets. Step outside to a screened porch overlooking the canal, a recently replaced private dock, covered boathouse with lift, attached carport, and two storage sheds. Conveniently located near local restaurants, shopping, and endless outdoor recreation, this property is an exceptional opportunity to enjoy the best of Florida's waterfront lifestyle.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.03% · 30yr$1,468
Estimated total, before insurance$1,468/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,301/yr · $275/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

$274,900
$54,980
Loan Term
Monthly Payment
$1,468
Principal & Interest: $1,468
Insurance (est.): $183
Estimated Total Monthly
$1,651
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Metal — year not disclosed (home built 1983)

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

Sewer · FLA011705 - Welaka WWTF · Public water (record)

County records show this parcel on central sewer served by FLA011705 - Welaka WWTF — no septic system to inspect or maintain.

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

Solar potential: ~1,719 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.

Sun & Light

Northeast-facing backyard — summer sunrises, all-day cool

The listing reports the home facing southwest, which puts the backyard on the northeast side. Today at this address: sunrise 7:17 AM, sunset 7:19 PM.

  • The rear catches early summer sun (the sun rises almost straight into this exposure in June), then stays comfortable and shaded through the heat of the day.
  • The coolest diagonal for a lanai; a pool here trades warmth for comfort.

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): $3,301/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.

History

Price & status history

  • Sep 20, 2026Active$274,900
  • Aug 20, 2026Pending$274,900
  • Jul 30, 2026Price change$274,900−$24,600
  • Apr 6, 2026Listed$299,500

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

Features

Price$274,900
Price / Sq Ft$168
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,637
Acres0.11 acres
Year Built1983
TypeResidential
Sub-TypeManufactured Home
StyleOther
Property ConditionUpdated/Remodeled
StatusActive
# of Carport Spaces1
Has PoolNo
Is WaterfrontYes
Direction FacesSouthwest

School Information

ElementaryMiddleton-Burney
HighCrescent City

Community Information

Address160 Moonlite Drive, Welaka, FL 32189
Area582-Pomona Pk/Welaka/Lake Como/Crescent Lake Est
SubdivisionSportsman Harbor
CityWelaka
CountyPutnam
StateFL
Zip Code32189
Lot Size4,791.6 sq ft
Parcel Number331126879100001600

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Attached Carport
ViewCanal, River
Waterfront TypeCanal Front

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Dryer, Electric Cooktop, Refrigerator, Washer
HeatingCentral, Heat Pump
CoolingCentral Air
FlooringCarpet, Vinyl
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne

Exterior

Exterior FeaturesBoat Lift, Boat Slip, Dock
Patio / PorchPorch, Screened
RoofMetal
ConstructionVinyl Siding
Other StructuresBoat House, Shed(s)
Road SurfaceAsphalt

Additional Information

Date ListedSeptember 20, 2026
Days on Market139
Tax Amount$3,301.43
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CENTURY 21 TRITON REALTY

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.

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Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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