Active·36 days on market
920 Read Avenue
Crescent City, FL 32112
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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
Crescent City
1.42 ACRES ON LAKE STELLA! Looking for a lakefront getaway with room to spread out? This Crescent City property offers beautiful lake views, a private dock, and plenty of space to enjoy the outdoors. The 2-bedroom, 2-bath concrete block home offers 1,260 square feet and has been enjoyed by the sellers as both a family vacation home and a short-term rental—making it an appealing option for a second home, investment property, or weekend retreat. Inside, you'll find wood floors, a fireplace, dining area, kitchen with stainless steel refrigerator and range, and a screened lanai overlooking the lake. Outside, the 1.42-acre property includes two storage sheds, carport, additional covered boat storage, RV electrical hookup, fruit trees, and an expansive front yard. A metal roof and fully furnished offering add even more value and convenience. Come enjoy the space, the lake, and the possibilities at Lake Stella.
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 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: Metal — year not disclosed (home built 1974)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer records conflict — verify
The MLS lists “Septic Tank”, while Florida DOH records suggest central sewer. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
Solar potential: ~1,702 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 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $1,870/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
- Sep 9, 2026Listed$375,000
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 $241/sq ft; this home is listed at $298/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 404 Grand Rondo E, Crescent City, FL 32112Listed by LPT REALTY | Aug 2026 | $328,000 | $241 | 3/2 | 1,360 | 4 | 0.8 |
| 624 Palmetto Avenue, Crescent City, FL 32112Listed by CENTURY 21 TRITON REALTY | Jun 2026 | $295,000 | $223 | 3/1.5 | 1,325 | 102 | 0.8 |
| 100 McGrady Lake Road, Crescent City, FL 32112Listed by RIVER LIFE REALTY LLC | Oct 2026 | $225,000 | $197 | 3/2 | 1,144 | 53 | 1.5 |
| 406 Union Avenue, Crescent City, FL 32112Listed by MAXREV, LLC | Jul 2025 | $530,000 | $362 | 3/1 | 1,464 | 24 | 1.9 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE
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
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