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Active Under Contract

Active Under Contract·95 days on market

128 Santa Rosa Street

Florahome, FL 32140

$440,000$232/sqftEst. $2,243/moMLS# 2141407

Beds

Baths

1,896

Sq Ft

2023

Built

Garage

Pool

About this home

Florahome

Escape to your own waterfront retreat at 128 Santa Rosa Street. Nestled along a peaceful canal with direct access to George's Lake, this property offers the privacy, tranquility, and outdoor lifestyle that make Florida living so special. Enjoy stunning water views from the insulated back porch, complete with its own mini-split for year-round comfort. A brand-new bulkhead and whole-home Generac generator provide added peace of mind, while the insulated shed with a window unit is perfect for a workshop, hobby space, or extra storage. Inside, you'll find bright and inviting living spaces, while outside you'll have easy access to boating, fishing, kayaking, and unforgettable sunsets. With minimal through traffic and a setting designed for relaxation, this is the perfect place to unwind and enjoy life on the water. All information deemed reliable but not guaranteed and should be verified by the Buyer. Photos may be digitally enhanced.

Cost to own

Mortgage calculator

Home Price

$440,000

Down Payment: 20%

$88,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,243

Principal & Interest: $2,243

Insurance (est.): $293

Estimated Total Monthly

$2,537

*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$2,243

Estimated total, before insurance$2,243/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$5,546/yr · $462/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

2024 property taxes (current owner): $5,546/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 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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 2023)

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

Solar potential: ~1,582 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

Jul 13, 2026Active Under Contract$440,000
Apr 22, 2026Listed$440,000

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

Features

Price$440,000

Price / Sq Ft$232

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,896

Acres0.24 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages2

# of Carport Spaces4

Has PoolNo

Is WaterfrontYes

Community Information

Address128 Santa Rosa Street, Florahome, FL 32140

Area576-Georges Lake

SubdivisionLakeside Hills

CityFlorahome

CountyPutnam

StateFL

Zip Code32140

Lot Size10,454.4 sq ft

Parcel Number130824510206600360

ZoningResidential

Amenities

UtilitiesElectricity Connected, Water Available, Propane

SewerSeptic Tank

Water SourceWell

ParkingAdditional Parking, Garage, Garage Door Opener

ViewCanal, Trees/Woods, Water

Waterfront TypeCanal Front

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Instant Hot Water, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air, Split System

FlooringTile, Vinyl

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecuritySmoke Detector(s)