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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active·147 days on market

156 & 158 Mount Royal Avenue

Crescent City, FL 32112

$945,000$390/sqftEst. $5,045/moMLS# 2143105
3
Beds
2.5
Baths
2,424
Sq Ft
2005
Built
4
Garage
No
Pool
FEMA Zone AEHOA $100/mo2.54 acresSingle Family Residence1 story

About this home

Crescent City

WELCOME TO MOUNT ROYAL ESTATES!! Mount Royal Estates in Crescent City, FL, is a gated, upscale community renowned for its, private airfield, and, St. Johns River access. It is uniquely situated near the historic Mount Royal Archaeological Site, a Timucua Native American burial mound. The area has served as a trading post, a Spanish mission site, and was described by travelers in 1765. Be awed by this spectacular renovated concrete home with hardie board siding which has many upgrades, a 4 car attached garage and a detached 30' x 64' cooled drive through dream garage/workshop on a separate acre+ lot with a full bath! This amazing home features 3 bedrooms, 2.5 baths, split plan, separate living, family & dining room, double sided gas fireplace, tray ceiling in living area, new flooring throughout, renovated kitchen & bathrooms, metal roof in 2020 & so much more! Whole house Generac generator, 626 sq' screened lanai to relax or just steps away to enjoy the St Johns River!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.03% · 30yr$5,045
HOAbilled annually$100
Estimated total, before insurance$5,145/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,234/yr · $936/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$945,000
$189,000
Loan Term
Monthly Payment
$5,045
Principal & Interest: $5,045
Insurance (est.): $630
Estimated Total Monthly
$5,675
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

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.

Hurricane evacuation zone B

Zone B evacuates after zone A in an approaching storm.

Roof: Metal — 2020 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Septic system (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: ~1,688 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.

Sun & Light

Northeast-facing backyard — summer sunrises, all-day cool

The listing reports the home facing southwest, which puts the backyard on the northeast side. Today at this address: sunrise 7:17 AM, sunset 7:19 PM.

  • The rear catches early summer sun (the sun rises almost straight into this exposure in June), then stays comfortable and shaded through the heat of the day.
  • The coolest diagonal for a lanai; a pool here trades warmth for comfort.

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): $11,234/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

  • May 1, 2026Listed$945,000

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

Features

Price$945,000
Price / Sq Ft$390
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,424
Total Structure Area4,540 sq ft
Acres2.54 acres
Year Built2005
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary
StatusActive
# of Garages4
Has PoolNo
Is WaterfrontNo
Direction FacesSouthwest

Community Information

Address156 & 158 Mount Royal Avenue, Crescent City, FL 32112
Area582-Pomona Pk/Welaka/Lake Como/Crescent Lake Est
SubdivisionMount Royal Estates
CityCrescent City
CountyPutnam
StateFL
Zip Code32112
Lot Size110,642.4 sq ft
Parcel Number371226608500200230
ZoningResidential

Amenities

AmenitiesBoat Dock, Boat Launch, Boat Slip, Gated
Community FeaturesFishing
UtilitiesElectricity Connected, Water Connected, Propane
SewerSeptic Tank
Water SourcePublic, Well
ParkingAttached, Detached, Garage, Garage Door Opener
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Double Oven, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FireplaceYes
# of Fireplaces1
Fireplace FeaturesDouble Sided, Gas
# of Stories1
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Patio / PorchCovered, Front Porch, Rear Porch, Screened
FencingBack Yard
RoofMetal
ConstructionConcrete, Fiber Cement
Other StructuresWorkshop
Road SurfaceAsphalt
Road FrontagePrivate Road

Additional Information

Date ListedMay 1, 2026
Days on Market139
HOA Fees$1,200 / Annually
HOA FrequencyAnnually
Tax Amount$11,233.53
Tax Year2025
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CENTURY 21 BECKHAM REALTY

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.

Your Local Realtor

Krista Fracke - Broker Associate

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.

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20+ years · 500+ closings · NE Florida

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