Sold·Closed Oct 9, 2026·53 days on market
100 McGrady Lake Road
Crescent City, FL 32112
About this home
Crescent City
HUGE PRICE REDUCTION! Welcome to your own private slice of paradise on beautiful private Lake McGrady! This move-in ready 3 bedroom, 2 bathroom home sits on 1.56 peaceful acres with an impressive 246 feet of lake frontage, offering the perfect blend of privacy, comfort, and breathtaking waterfront living. Loved and maintained by only 1 owner, this property features a newer metal roof just 2 years old, new HVAC system, and a fenced yard ready for pets, hobbies, or simply enjoying the outdoors. Whether you're looking for a full-time residence, weekend retreat, or a place to relax and unwind by the water, this property checks all the boxes. Enjoy fishing, kayaking, and peaceful mornings right from your own backyard. Don't miss this rare opportunity to own a private lakefront retreat!
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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: Metal — year not disclosed (home built 2005)
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: ~1,553 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
2025 property taxes (current owner): $2,275/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 10, 2026Closed$240,000
- Jul 15, 2026Active Under Contract$240,000
- May 18, 2026Listed$240,000
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 $223/sq ft; this home is listed at $210/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 404 Grand Rondo E, Crescent City, FL 32112Listed by LPT REALTY | Aug 2026 | $328,000 | $241 | 3/2 | 1,360 | 4 | 2.1 |
| 624 Palmetto Avenue, Crescent City, FL 32112Listed by CENTURY 21 TRITON REALTY | Jun 2026 | $295,000 | $223 | 3/1.5 | 1,325 | 102 | 2.2 |
| 101 Diamond Lake Drive, Crescent City, FL 32112Listed by ST JOHNS REALTY AND MANAGEMENT LLC | Sep 2026 | $165,000 | $123 | 4/2 | 1,344 | 86 | 2.4 |
| 406 Union Avenue, Crescent City, FL 32112Listed by MAXREV, LLC | Jul 2025 | $530,000 | $362 | 3/1 | 1,464 | 24 | 2.4 |
| 228 Browns Hammock Road, Crescent City, FL 32112Listed by WATSON REALTY CORP | Jul 2026 | $185,000 | $174 | 3/2 | 1,064 | 84 | 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: RIVER LIFE REALTY LLC
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 Oct 9, 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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