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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·19 days on market

304 Grove Street

Welaka, FL 32181

$250,000$579/sqftEst. $1,335/moMLS# 2162492
1
Beds
1
Baths
432
Sq Ft
2021
Built
—
Garage
Yes
Pool
FEMA Zone XNo HOA2.50 acresSingle Family Residence1 story

See it this week

Want to walk through this home this week?

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) 333-8595 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Welaka

Welcome to your own private slice of Florida! This charming tiny home sits on 2.5 fully fenced acres, offering plenty of room to spread out, unwind, and enjoy the peaceful surroundings with no close neighbors. Whether you're looking to simplify, escape the hustle and bustle, create a weekend retreat, or just enjoy a cozy home with room to breathe, this unique property has so much to offer. Step outside and you'll find plenty of spaces made for enjoying the Florida lifestyle. Sip your morning coffee on the screened porch, cool off in the above-ground pool, gather with friends under the tiki hut, or spend your evenings around the fire pit under the stars. The separate workshop with power and A/C is ready for little imagination! Turn it into the ultimate man cave, she shed, craft room, hobby space, or home workshop. It could also provide a comfortable additional space to enjoy when friends and family come to visit.

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$1,335
Estimated total, before insurance$1,335/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

$250,000
$50,000
Loan Term
Monthly Payment
$1,335
Principal & Interest: $1,335
Insurance (est.): $167
Estimated Total Monthly
$1,501
*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: material not specified — year not disclosed (home built 2021)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,530 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 September 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 11, 2026Active$250,000
  • Aug 28, 2026Listed$250,000

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

Features

Price$250,000
Price / Sq Ft$579
Bedrooms1
Bathrooms1.00
Full Baths1
Square Footage432
Acres2.50 acres
Year Built2021
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
Has PoolYes
Pool FeaturesAbove Ground
Is WaterfrontNo

School Information

ElementaryBrowning Pearce
MiddleMiller Intermediate
HighCrescent City

Community Information

Address304 Grove Street, Welaka, FL 32181
Area582-Pomona Pk/Welaka/Lake Como/Crescent Lake Est
SubdivisionNot Validd
CityWelaka
CountyPutnam
StateFL
Zip Code32181
Lot Size108,900 sq ft
Parcel Number12122600000090
ZoningResidential

Amenities

UtilitiesElectricity Available, Water Available
Water SourceWell
ParkingOther
ViewTrees/Woods

Interior

AppliancesMicrowave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringVinyl
# of Stories1

Exterior

Lot DescriptionAgricultural, Many Trees, Wooded

Additional Information

Date ListedSeptember 11, 2026
Days on Market1
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MARK SPAIN REAL ESTATE

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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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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