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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·58 days on market

222 Plumosa Drive

Georgetown, FL 32139

$185,000$132/sqftEst. $988/moMLS# 2157574
↓ $4,000 below original list
3
Beds
2
Baths
1,404
Sq Ft
1996
Built
—
Garage
No
Pool
FEMA Zone XNo HOASingle Family Residence1 story

About this home

Georgetown

Welcome home to 222 Plumosa Drive, where you'll enjoy 1.17 wooded acres in the Plantation Pines community. This 3-bedroom, 2-bathroom home features an open, split-bedroom floor plan with plenty of space to relax and unwind. You'll appreciate the major updates, including a new roof, new HVAC system, and new water heater. The spacious kitchen offers abundant cabinet storage, generous counter space, and is conveniently located next to the inside laundry room. The primary suite features a walk-in closet, a garden tub, and a separate walk-in shower. The guest bathroom has also been refreshed with a new toilet, showerheads, and drains. Step out onto the back deck to enjoy the beauty of your private, wooded property, where you can relax and watch the local wildlife. If you're looking for room to spread out, recent updates, and a peaceful setting, this property is ready to welcome you home.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.03% · 30yr$988
Estimated total, before insurance$988/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

$185,000
$37,000
Loan Term
Monthly Payment
$988
Principal & Interest: $988
Insurance (est.): $123
Estimated Total Monthly
$1,111
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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

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 1996)

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: ~1,605 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

  • Sep 7, 2026Price change$185,000−$4,000
  • Jul 29, 2026Listed$189,000

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

Features

Price$185,000
Price / Sq Ft$132
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,404
Year Built1996
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
Has PoolNo
Is WaterfrontNo

Community Information

Address222 Plumosa Drive, Georgetown, FL 32139
Area583-Crescent/Georgetown/Fruitland/Drayton Isl
SubdivisionWhispering Pines
CityGeorgetown
CountyPutnam
StateFL
Zip Code32139
Parcel Number321227722702200160

Amenities

UtilitiesWater Available
SewerSeptic Tank
Water SourceWell
ParkingAdditional Parking, Circular Driveway, RV Access/Parking

Interior

Interior FeaturesPrimary Bathroom - Tub with Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDryer, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet
# of Stories1
LevelsOne

Exterior

RoofShingle
Other StructuresShed(s)
Road SurfaceDirt

Additional Information

Date ListedJuly 29, 2026
Days on Market50
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WELAKA REALTY LLC

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.

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.

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20+ years · 500+ closings · NE Florida

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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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