Sold·Closed Aug 6, 2026·82 days on market
128 Santa Rosa Street
Florahome, FL 32140
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
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 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 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.
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.
History
Price & status history
- Aug 7, 2026Closed$440,000
- Aug 3, 2026Pending$440,000
- 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.
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 $218/sq ft; this home is listed at $232/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 212 Lake Drive, Florahome, FL 32140Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2025 | $425,000 | $250 | 3/2 | 1,698 | 46 | 0.6 |
| 567 W Hillsborough Avenue, Florahome, FL 32140Listed by DUAL STATE REAL ESTATE INC | Jul 2026 | $435,000 | $270 | 3/2 | 1,610 | 161 | 0.7 |
| 111 Holly Drive, Florahome, FL 32140Listed by MOMENTUM REALTY | Jul 2026 | $269,900 | $146 | 3/2.5 | 1,848 | 80 | 0.8 |
| 127 Rainbow Drive, Florahome, FL 32140Listed by MILLER REAL ESTATE, INC | Jun 2026 | $253,000 | $139 | 4/2 | 1,824 | 53 | 1.1 |
| 209 Beach Drive, Florahome, FL 32140Listed by HERRON REAL ESTATE LLC | Jun 2026 | $415,000 | $218 | 3/2.5 | 1,904 | 40 | 1.1 |
| 118 Lariat Drive, Florahome, FL 32140Listed by FLORIDA HOMES REALTY & MTG LLC | Oct 2026 | $208,000 | $114 | 4/2 | 1,820 | 136 | 1.4 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: UNITED REAL ESTATE GALLERY
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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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 6, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
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