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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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Pending

Pending·24 days on market

236 River Ridge Place

Welaka, FL 32193

$235,000$188/sqftEst. $1,302/moMLS# 2165250
3
Beds
2
Baths
1,252
Sq Ft
2022
Built
2
Garage
No
Pool
FEMA Zone XHOA $13/mo10,890 sqft lotSingle 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) 709-7917 Text Krista

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

About this home

Welaka

Located in the quiet river town of Welaka you'll find this new construction 1200 square foot 3 bedroom 2 bathroom home located in a new subdivision nestled right next to the St.Johns river making it easily accessible for boating, fishing, restaurants, shopping. This is a perfect home for whether you're just starting out or looking for a quiet place to retire.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$1,302
HOAbilled annually$13
Estimated total, before insurance$1,314/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

$235,000
$47,000
Loan Term
Monthly Payment
$1,302
Principal & Interest: $1,302
Insurance (est.): $157
Estimated Total Monthly
$1,458
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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 2022)

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

Solar potential: ~1,713 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 19, 2026Pending$235,000
  • Sep 17, 2026Listed$235,000

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 $221/sq ft; this home is listed at $188/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
171 River Ridge Place, Welaka, FL 32193Listed by OPENDOOR BROKERAGE, LLC.Jul 2026$219,200$1483/21,477930.1
100 Happiness Drive, Welaka, FL 32189Listed by VENTURE REALTY CO, LLCJul 2026$379,900$2593/21,467771.7
156 Moonlite Drive, Welaka, FL 32193Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYJul 2025$349,900$2212/21,581451.8
198 Sportsman Drive, Welaka, FL 32189Listed by IHEART REALTY INCApr 2026$265,000$2112/21,2564291.9
374 Beecher Springs Road, Welaka, FL 32193Listed by CW REALTYAug 2026$280,000$2243/21,248952.2
106 Acosta Creek Drive, Satsuma, FL 32189Listed by REAL BROKER LLCJun 2026$225,000$1813/21,2432462.3

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

Price$235,000
Price / Sq Ft$188
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,252
Acres0.25 acres
Year Built2022
TypeResidential
Sub-TypeSingle Family Residence
StatusPending
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address236 River Ridge Place, Welaka, FL 32193
Area582-Pomona Pk/Welaka/Lake Como/Crescent Lake Est
SubdivisionWelaka Village
CityWelaka
CountyPutnam
StateFL
Zip Code32193
Lot Size10,890 sq ft
Parcel Number031226924200000770

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Open Floorplan
AppliancesDishwasher, Dryer, Electric Oven, Microwave, Refrigerator, Washer
HeatingHeat Pump
CoolingCentral Air
FlooringCarpet
# of Stories1
LevelsOne

Exterior

Patio / PorchPatio, Porch
FencingPrivacy
RoofShingle
ConstructionStucco
Road FrontagePrivate Road

Additional Information

Date ListedSeptember 17, 2026
Days on Market2
HOA Fees$150 / Annually
HOA FrequencyAnnually
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: IHEART REALTY INC

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.

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

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