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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

$650,0003 bd · 4.5 ba · 4,477 sq ft

Active·117 days on market

2554 NW 223rd Street NW

Lawtey, FL 32058

$650,000$145/sqftEst. $3,544/mo mortgageMLS# 2148387
3
Beds
4.5
Baths
4,477
Sq Ft
2004
Built
2
Garage
No
Pool
FEMA Zone XNo HOA5.00 acresSingle Family Residence1 story

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Lawtey

Farm Property Multi -Generational concept in this 4477 sq ft floor plan . 3 br 6 ba, incl 3 master br(2 with exterior doors) & potential for 4 masters & space that can be 2 extra bedrooms. This is Dry Creek Ranch where riding lessons, boarding & competitions took place. It has a gorgeous massive bar room. There is custom built-in lighted shelving galore. A gorgous library with wall to wall, floor to ceiling shelving. There is an immaculate barn with 6 stalls, a sink & toilet in the tack room. It sits on 5 acres all fenced and a separate pasture, round lot, and corrall. Farm property has potential other uses as a Farm Flip, assisted living, pad split, recovery housing, or furnished finder with 4 rooms having their own bathrooms & 2 with exterior doors & potential for 2 more bedrooms.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.24% · 30yr$3,544
Estimated total, before insurance$3,544/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$650,000
$130,000
Loan Term
Monthly Payment
$3,544
Principal & Interest: $3,544
Insurance (est.): $433
Estimated Total Monthly
$3,977
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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 X — minimal flood hazard (the whole 4.8-acre lot)

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: Shingle — year not disclosed (home built 2004)

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: ~1,767 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.

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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

History

Price & status history

  • Jun 19, 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 $83/sq ft; this home is listed at $145/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1576 NE 216 Street, Lawtey, FL 32058Listed by CW REALTYJun 2026$275,000$835/23,300701.2

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.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$650,000
Price / Sq Ft$145
Bedrooms3
Bathrooms4.50
Full Baths3
Half Baths3
Square Footage4,477
Total Structure Area4,717 sq ft
Acres5.00 acres
Year Built2004
TypeResidential
Sub-TypeSingle Family Residence
StyleMulti Generational, Ranch
Property ConditionFixer
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryLawtey
MiddleBradford
HighBradford

Community Information

Address2554 NW 223rd Street NW, Lawtey, FL 32058
Area522-Bradford County-NW
SubdivisionLawtey
CityLawtey
CountyBradford
StateFL
Zip Code32058
Lot Size217,800 sq ft
Parcel Number01768000202
ZoningZoned for Horses

Amenities

UtilitiesCable Available, Electricity Available, Electricity Connected
SewerPrivate Sewer, Septic Tank
Water SourcePrivate, Well
ParkingAdditional Parking, Garage, RV Access/Parking
ViewCreek/Stream, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Walk-In Closet(s)
AppliancesDishwasher, Double Oven, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral, Electric
CoolingAttic Fan, Central Air, Electric
FlooringCarpet, Laminate, Tile, Wood
# of Stories1
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Lot DescriptionAgricultural, Farm, Few Trees, Irregular Lot, Many Trees
Patio / PorchCovered, Deck, Front Porch, Porch, Rear Porch, Side Porch
FencingFenced, Back Yard, Cross Fenced, Full, Wood
RoofShingle
ConstructionFrame, Vinyl Siding
Other StructuresBarn(s), Grain Storage, Stable(s), Workshop
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJuly 16, 2026
Days on Market117
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, Other
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: 1 REALTY CORP

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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