Active·110 days on market
20517 NE 114th Avenue
Waldo, FL 32694
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
Waldo
Experience the charm of country living in the heart of Earleton! Situated on a beautifully maintained 1.25-acre AG-zoned lot in a picturesque lakeside community, this home offers peaceful surroundings and modern comforts. Mature oak trees, crepe myrtles, a producing satsuma tree, blueberry bushes, a weeping bottlebrush, and a butterfly garden create a serene setting often visited by deer, foxes, owls, and native birds. Inside, the open great room features soaring ceilings and flows into a well-appointed kitchen with stainless steel appliances and updated hardware. The spacious primary suite includes a walk-in closet, while a new HVAC system and whole-house generator provide year-round comfort and peace of mind. The attached two-car garage features a speckled epoxy floor. Outside you'll find a storage shed, pump house, and plenty of room to garden or play. Optional membership access with an association fee to Blueberry Bay's boat ramp, dock and lakeside park. Schedule your tour today!
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.
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: material not specified — year not disclosed (home built 1995)
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: ~1,556 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.
History
Price & status history
- Sep 25, 2026Price change$289,900−$9,600
- Jul 29, 2026Price change$299,500−$5,500
- Jul 15, 2026Price change$305,000−$10,000
- Jun 22, 2026Listed$315,000
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 $74/sq ft; this home is listed at $207/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 18013 NE 135th Avenue, Waldo, FL 32694Listed by HATCH REALTY SERVICES | Aug 2026 | $85,000 | $74 | 2/2 | 1,152 | 146 | 2.1 |
| 7526 NE 221st Street, Melrose, FL 32666Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $105,000 | $74 | 3/2 | 1,423 | 32 | 2.6 |
| 17221 NE 77th Lane, Hawthorne, FL 32640Listed by FLORIDA HOMES REALTY & MTG LLC | Jun 2026 | $365,000 | $234 | 3/2 | 1,561 | 102 | 3.2 |
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.
Features
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: CENTURY 21 LAKESIDE 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.
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Your Local Realtor
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.
Text Krista about this home20+ 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
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines