Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
Photo 1 / 55
Active Under Contract

Active Under Contract·4 days on market

3009 NW 228th Street

Lawtey, FL 32058

$179,000$107/sqftEst. $919/moMLS# 2160433
3
Beds
2
Baths
1,680
Sq Ft
1993
Built
—
Garage
No
Pool

About this home

Lawtey

Assumable VA loan at a very great rate. This home has 2.5 acres of land in Lawtey, Fl. This land is high and dry. Sellers are MOTIVATED.

Cost to own

Mortgage calculator

$179,000
$35,800
Loan Term
Monthly Payment
$919
Principal & Interest: $919
Insurance (est.): $119
Estimated Total Monthly
$1,039
*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$919
Estimated total, before insurance$919/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 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: material not specified — year not disclosed (home built 1993)

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: ~1,735 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 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.

History

Price & status history

  • Aug 20, 2026Active Under Contract$179,000
  • Aug 17, 2026Listed$179,000

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

Features

Price$179,000
Price / Sq Ft$107
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,680
Acres2.50 acres
Year Built1993
TypeResidential
Sub-TypeManufactured Home
StatusActive Under Contract
# of Carport Spaces2
Has PoolNo
Is WaterfrontNo

School Information

MiddleBradford
HighBradford

Community Information

Address3009 NW 228th Street, Lawtey, FL 32058
Area522-Bradford County-NW
SubdivisionMetes & Bounds
CityLawtey
CountyBradford
StateFL
Zip Code32058
Lot Size108,900 sq ft
Parcel Number01319-0-00300

Amenities

UtilitiesSewer Connected, Water Connected
Water SourceWell
ParkingCarport, Other

Interior

AppliancesElectric Oven, Refrigerator
HeatingCentral
CoolingCentral Air
FireplaceNo
# of Fireplaces0
# of Stories1

Exterior

Patio / PorchPorch
FencingFenced
Other StructuresShed(s)

Additional Information

Date ListedAugust 17, 2026
Days on Market3
Listing TermsAssumable, Cash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: JULIE MORROW PREMIER REALTY INC

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

Keep looking

More homes in Metes & Bounds

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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines

Contact Krista Fracke