Pending·105 days on market
109 Canal Street
Crescent City, FL 32112
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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
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
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 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 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 23, 2026Pending$414,000
- Aug 13, 2026Price change$414,000−$5,000
- Jul 2, 2026Listed$419,000
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 $161/sq ft; this home is listed at $218/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 316 Riviera Drive, Crescent City, FL 32112Listed by IHEART REALTY INC | Oct 2026 | $493,000 | $367 | 2/2 | 1,342 | 102 | 0.6 |
| 116 Pennsylvania Avenue, Pomona Park, FL 32181Listed by WATSON REALTY CORP | Dec 2025 | $240,000 | $147 | 3/2 | 1,635 | 52 | 1.5 |
| 114 N Janet Drive, Crescent City, FL 32112Listed by ST JOHNS REALTY AND MANAGEMENT LLC | Aug 2026 | $234,500 | $145 | 3/2 | 1,620 | 4 | 1.8 |
| 137 Tallow Road, Pomona Park, FL 32181Listed by THE NEWCOMER GROUP | Jul 2026 | $331,625 | $190 | 3/2 | 1,743 | 1 | 2.4 |
| 113 Lake Como Point Road, Pomona Park, FL 32181Listed by COLDWELL BANKER BEN BATES INC | Aug 2026 | $375,000 | $161 | 3/2 | 2,332 | 242 | 2.7 |
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: COLDWELL BANKER BEN BATES INC
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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Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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