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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

Active·12 days on market

20924 NE 132nd Ave Avenue

Waldo, FL 32694

$1,429,000$408/sqftEst. $7,286/moMLS# 2156844
5
Beds
4
Baths
3,502
Sq Ft
2000
Built
1
Garage
No
Pool

About this home

Waldo

LAKEFRONT LUXURY! Magnificent Little Lake Santa Fe estate on 2.25 acres with 450 feet of waterfront on one of Florida's most exquisite spring fed lakes. Your chance to own one of the most desirable Santa Fe properties on Martin's Island with immediate ROI potential. The pictures tell the story. Incredible 5 bedroom, 4 bathroom, 4550 square foot home located on a private gated property. Beautifully crafted French doors invite the stunning panoramic waterfront views from this home into all living areas. The custom kitchen features premium cabinets, large island, tile countertops and stainless-steel appliances including a gas range with hood and separate oven. Skylights illuminate throughout. Entertain or relax by the gas fireplace in the huge living room with built in shelving, vaulted ceilings, recessed lighting, wet bar and tile floors. The master suite boasts large walk-in closets and waterfront views. Outdoor entertaining is luxurious with a 660 sq. ft.

Cost to own

Mortgage calculator

$1,429,000
$285,800
Loan Term
Monthly Payment
$7,286
Principal & Interest: $7,286
Insurance (est.): $953
Estimated Total Monthly
$8,239
*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$7,286
Estimated total, before insurance$7,286/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,072/yr · $756/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $9,072/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.

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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2000)

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: ~1,668 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

Price & status history

  • Jul 24, 2026Listed$1,429,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$1,429,000
Price / Sq Ft$408
Bedrooms5
Bathrooms4.00
Full Baths4
Square Footage3,502
Total Structure Area4,550 sq ft
Acres2.25 acres
Year Built2000
TypeResidential
Sub-TypeSingle Family Residence
StyleCraftsman, Traditional, Villa, Other
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontYes

Community Information

Address20924 NE 132nd Ave Avenue, Waldo, FL 32694
Area721-Orange Heights-North Of SR-26
SubdivisionSanta Fe
CityWaldo
CountyAlachua
StateFL
Zip Code32694
Lot Size98,010 sq ft
Parcel Number18399-010-000
ZoningAgricultural

Amenities

UtilitiesCable Available, Cable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingAttached, Garage, Garage Door Opener
ViewLake, Other
Waterfront TypeLake Front, Seawall

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar, Other
AppliancesDishwasher, Double Oven, Gas Cooktop, Gas Oven, Gas Range, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric, Split System, Wall/Window Unit(s), Other
FlooringStone, Tile, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories1
LevelsOne
Window FeaturesSkylight(s)

Exterior

Exterior FeaturesBoat Lift, Dock
Lot DescriptionMany Trees, Wetlands, Wooded, Other
Patio / PorchCovered, Front Porch, Porch, Rear Porch, Screened
FencingFull, Wire, Other
RoofShingle
ConstructionOther, Stucco
Other StructuresGuest House, Shed(s), Other
Road SurfaceDirt
Road FrontageCity Street, Unimproved

Additional Information

Date ListedJuly 24, 2026
Days on Market0
Tax Amount$9,072
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Realtor

Krista Fracke - Broker Associate

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 home

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.

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