Pending·186 days on market
163 Sunny Lane
Pomona Park, FL 32181
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Pomona Park
EQUITY! Over $70K in equity with the BONUS *Sellers are offering $20,000 flex cash as a flooring and dock allowance* Florida Lakefront Dock permit already secured!. Extensive upgrades. Ideal for boating, Big Bass fishing, & private waterfront living. This move-in ready property combines luxury & functionality w/ a metal roof, 180' deep private well, upgraded septic system, hurricane-impact windows, & new structural sheathing w/ premium fiber cement siding (2023). Fully remodeled designer kitchen (2025-2026) custom cabinetry, soft-close hardware, pull-out storage, upgraded countertops, island, tile backsplash, & modern lighting. Interior highlights include Saltillo tile floors, knotty pine accents,& a dramatic floor-to-ceiling stone fireplace. Expansive 32'x56' climate-controlled garage with 1.5-story addition includes a finished studio, full bath, and entertainment lounge with ice maker, keg cooler, & sink--perfect for guest quarters, multigenerational living, or a private retreat
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 1978)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic · 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: ~1,722 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 homeAs 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest park or preserve
Deep Creek Conservation Areaabout 15 mi · 4.1 mi of trails
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $3,855/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
- Oct 13, 2026Pending$650,000
- Oct 6, 2026Price change$650,000−$29,990
- Aug 6, 2026Price change$679,990−$10,000
- Apr 21, 2026Listed$689,990
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
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 $185/sq ft; this home is listed at $297/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 223 Worcester Road, Pomona Park, FL 32181Listed by CENTURY 21 TRITON REALTY | Sep 2025 | $325,000 | $185 | 3/3 | 1,760 | 31 | 0.6 |
| 140 Lake Street, Pomona Park, FL 32181Listed by MOMENTUM REALTY | Jul 2026 | $750,000 | $279 | 3/3 | 2,692 | 12 | 0.7 |
| 105 Lake Como Drive, Pomona Park, FL 32181Listed by COLDWELL BANKER BEN BATES INC | May 2026 | $320,000 | $185 | 3/2 | 1,728 | 35 | 1 |
| 114 N Janet Drive, Crescent City, FL 32112Listed by ST JOHNS REALTY AND MANAGEMENT LLC | Aug 2026 | $234,500 | $145 | 3/2 | 1,620 | 4 | 1.3 |
| 114 N Janet Drive, Crescent City, FL 32112Listed by GETMOREOFFERS | Jul 2025 | $209,200 | $129 | 3/2 | 1,620 | 151 | 1.3 |
| 205 Echo Cove Way, Pomona Park, FL 32181Listed by FLORIDA HOMES REALTY & MTG LLC | May 2025 | $480,000 | $303 | 3/2 | 1,584 | 47 | 1.5 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: WATSON REALTY CORP
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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