Active·174 days on market
102 Sandra Lane
Crescent City, FL 32112
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
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
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.
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.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:28 AM, sunset 6:56 PM.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
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): $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.
History
Price & status history
- Oct 1, 2026Price change$600,000−$24,000
- 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.
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 $190/sq ft; this home is listed at $324/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 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 | 0.3 |
| 316 Riviera Drive, Crescent City, FL 32112Listed by IHEART REALTY INC | Oct 2026 | $493,000 | $367 | 2/2 | 1,342 | 102 | 0.8 |
| 116 Pennsylvania Avenue, Pomona Park, FL 32181Listed by WATSON REALTY CORP | Dec 2025 | $240,000 | $147 | 3/2 | 1,635 | 52 | 1.3 |
| 223 Worcester Road, Pomona Park, FL 32181Listed by CENTURY 21 TRITON REALTY | Sep 2025 | $325,000 | $185 | 3/3 | 1,760 | 31 | 1.7 |
| 137 Tallow Road, Pomona Park, FL 32181Listed by THE NEWCOMER GROUP | Jul 2026 | $331,625 | $190 | 3/2 | 1,743 | 1 | 2.5 |
| 172 Porpoise Road, Pomona Park, FL 32181Listed by CENTURY 21 TRITON REALTY | Nov 2025 | $306,000 | $236 | 3/2 | 1,296 | 6 | 2.5 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COLDWELL BANKER BEN BATES INC
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
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