Active·65 days on market
113 S Lake George Drive
Georgetown, FL 32139
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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
Georgetown
Escape to your own waterfront retreat nestled along a scenic canal with breathtaking views of the St. Johns River, this well-maintained 2-bedroom, 2-bath home offers 1,229 square feet of comfortable living space and everything you need to enjoy Florida's waterfront lifestyle.Step outside and discover a boater's paradise featuring a covered boat lift, jet ski lift, and a boathouse complete with plumbing, electricity, and sink --making it easy to spend long days on the water. Relax under the covered waterfront gazebo, the perfect place to enjoy your morning coffee, entertain family and friends, or unwind while watching spectacular sunsets over the river.Whether you're looking for a peaceful full-time residence, a weekend getaway, or the perfect vacation home, this property offers the ideal escape from the hustle and bustle of city life. Enjoy fishing, boating, kayaking, and endless opportunities to experience the natural beauty of the St. Johns River right from your backyard.
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 (that applies to the reference bill above too).
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 B
Zone B evacuates after zone A in an approaching storm.
Roof: material not specified — year not disclosed (home built 1990)
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: ~1,716 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 August 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $2,033/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.
History
Price & status history
- Aug 6, 2026Listed$350,000
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 $178/sq ft; this home is listed at $285/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 198 Palm Drive, Georgetown, FL 32139Listed by HERRON REAL ESTATE LLC | Aug 2026 | $355,000 | $296 | 3/2 | 1,200 | 71 | 0.1 |
| 177 Palm Drive, Georgetown, FL 32139Listed by BEACH STATE REALTY | Dec 2025 | $110,000 | $105 | 2/1.5 | 1,044 | 21 | 0.2 |
| 113 Driftwood Lane, Georgetown, FL 32139Listed by IHEART REALTY INC | Sep 2025 | $555,000 | $414 | 3/2 | 1,340 | 194 | 0.3 |
| 143 Mosswood Street, Georgetown, FL 32139Listed by DEBORAH BERRY REAL ESTATE | Aug 2026 | $85,000 | $98 | 2/2 | 868 | 481 | 0.5 |
| 105 SE 3rd Street, Georgetown, FL 32139Listed by LPT REALTY LLC | Aug 2026 | $220,000 | $148 | 3/2 | 1,490 | 227 | 0.5 |
| 101 SE 3rd Street, Georgetown, FL 32139Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Jan 2026 | $265,000 | $178 | 3/2 | 1,490 | 62 | 0.5 |
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: KELLER WILLIAMS REALTY AT THE LAKES
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