Active·127 days on market
102 Sandra Lane
Crescent City, FL 32112
About this home
Crescent City
YOUR FOREVER LAKE FRONT HOME AWAITS YOU - Look no further for the perfect blend of comfort, beauty, and tranquility. Nestled directly on the picturesque shores of Crescent Lake, this immaculate three-bedroom, two-bathroom site-built home offers a serene retreat on a private road where exquisite sunrises greet each morning. The like-new, split-plan design provides both privacy and functionality, creating a welcoming space that feels both open and intimate. The master suite serves as a true retreat, featuring a large walk-in closet, a beautifully tiled walk-in shower, and an attached sitting room that overlooks the majestic lake--perfect for quiet reflection or morning coffee. When built this home was strategically place so it would not require flood insurance. The property has recently had a new bulkhead and dock (2025), ideal for fishing. Permitted for a boat house, permit under documents. Seller would consider financing with a large down payment. Grass was added to pictures.
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
2025 property taxes (current owner): $7,373/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 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.
Hurricane evacuation zone C
Zone C evacuates after zones A, B in an approaching storm.
Roof: Shingle — year not disclosed (home built 2009)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · 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: ~1,773 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.
History
Price & status history
- Aug 7, 2026Price change$624,000−$26,000
- Apr 24, 2026Listed$650,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COLDWELL BANKER BEN BATES INC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
More homes in Metes & Bounds
Active$625,000MLS# 2158939Est. $3,327/mo9113 SW County Rd 225, Starke, FL 320914 Beds3 Baths2,272 sqftYour dream NEW CONSTRUCTION home nestled on over 10 unrestricted acres in Starke, FL, welcome to Old Cypress Farms --…
ResidentialRIVER CITY RENTALS AND REALTY
Active$625,000MLS# 2136361Est. $3,327/mo34 Zibra Street, Middleburg, FL 320683 Beds2 Baths2,495 sqftExperience the charm of country living on five fully fenced acres, ideally situated on a private corner lot-perfect for…
ResidentialWATSON REALTY CORP
Active$625,000MLS# 2143813Est. $3,327/mo9113 SW County Rd 225, Starke, FL 320914 Beds3 Baths2,272 sqftYour dream home awaits on over 10 ACRES--offering privacy, space, and endless possibilities! This stunning new build…
ResidentialRIVER CITY RENTALS AND REALTY
Active$625,000MLS# 1223281Est. $3,327/mo2777 County Rd 220, Middleburg, FL 320683 Beds2 Baths1,560 sqftPRIME LOCATION ON C.R. 220! FEATURES 350 ft ROAD FRONTAGE. Potential for residential and commercial opportunities.…
ResidentialWATSON REALTY CORP
Keep looking
Similar homes in Crescent City
Your Local Realtor
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.
Text Krista about this home20+ 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
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines