Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

1 / 34

Active

Active·114 days on market

12820 NE 233rd Lane

Raiford, FL 32083

$195,000$128/sqftEst. $1,001/moMLS# 2142604

Beds

Baths

1,525

Sq Ft

1958

Built

—

Garage

Pool

About this home

Raiford

Welcome to a property that offers space, simplicity, and a quiet North Florida lifestyle. Situated on a generous half-acre corner lot at 12820 NE 233rd Lane in Raiford, this 3-bedroom, 1-bath home presents a unique opportunity to own land and create value at your own pace. Built in 1958, this home offers 1,525 square feet of living space with a layout that feels open and functional. Natural light fills the interior, giving each room a warm and inviting feel. The spacious lot is one of the standout features--offering room to expand, add outdoor features, or simply enjoy the privacy that comes with a larger homesite. Being on a corner lot adds extra accessibility and flexibility, making the property even more versatile. Located in the quiet town of Raiford, this area is known for its peaceful setting and slower pace of life.

Cost to own

Mortgage calculator

Home Price

$195,000

Down Payment: 20%

$39,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,001

Principal & Interest: $1,001

Insurance (est.): $130

Estimated Total Monthly

$1,131

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$1,001

Estimated total, before insurance$1,001/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.

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: material not specified — year not disclosed (home built 1958)

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: ~1,731 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