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Active

Active·57 days on market

109 Canal Street

Crescent City, FL 32112

$414,000$218/sqftEst. $2,128/moMLS# 2153425

Beds

Baths

1,896

Sq Ft

1976

Built

Garage

Pool

About this home

Crescent City

Waterfront home on 15,000+acre Crescent Lake, considered as ''Bass Capital of the World''. This home is perfect setting for all kinds of wildlife and nature. Whether you are looking for a weekend retreat or ready to enjoy as your primary home. Enjoy the beautiful sunsets from our backyard. Great fishing and outdoor fun. Home features include outside patio great for fishing. As well as outside screen porch for entertaining. Home features 3 bedrooms with 2 baths. Inside utility room with extra storage. It also includes extra paved parking along with double garage. Another extra includes vacant lot directly across from home that could be used for additional parking or possibly a new work shop or storage. Parcel # 02-12-27-0000-0043-0000.

Cost to own

Mortgage calculator

Home Price

$414,000

Down Payment: 20%

$82,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,128

Principal & Interest: $2,128

Insurance (est.): $276

Estimated Total Monthly

$2,404

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,128

Estimated total, before insurance$2,128/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 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 C

Zone C evacuates after zones A, B in an approaching storm.

Roof: material not specified — year not disclosed (home built 1976)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer records conflict — verify

The MLS lists “Private Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,584 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