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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·18 days on market

1060 Coral Farms Road

Florahome, FL 32140

$285,000$225/sqftEst. $1,579/moMLS# 2166044
2
Beds
2
Baths
1,269
Sq Ft
1999
Built
—
Garage
No
Pool
FEMA Zone XNo HOA5.77 acresMobile Home1 story

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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

Florahome

Country living with room to roam! This well-maintained property offers potential for a private homestead-farm, or country retreat. Located off a paved county road, the property features a top-boarded perimeter fence, cross-fencing, and board-fenced paddocks with ample space for horses, sheep, cattle, gardening, recreation, or homesteading. The one-car garage is complemented by two spacious covered overhangs, providing versatile additional space for outdoor entertaining, gatherings, animal stalls, equipment, or storage. The rear portion of the property offers access for trail riding toward the Etonia Creek State Park area, providing convenient opportunities to enjoy the backwoods surrounding outdoors. Inside, the home features upgraded bathrooms, newer laminate flooring throughout, and newer appliances, including the refrigerator, microwave, dishwasher, washer, and dryer. The updated interior offers a clean, comfortable feel with modern touches throughout.

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$1,579
Estimated total, before insurance$1,579/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,856/yr · $238/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$285,000
$57,000
Loan Term
Monthly Payment
$1,579
Principal & Interest: $1,579
Insurance (est.): $190
Estimated Total Monthly
$1,769
*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: Metal — year not disclosed (home built 1999)

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: ~1,015 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,856/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 22, 2026Listed$285,000

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 $270/sq ft; this home is listed at $225/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1038 Coral Farms Road, Florahome, FL 32140Listed by IHEART REALTY INCMay 2026$269,900$1923/21,404200.2
176 Lake Drive, Florahome, FL 32140Listed by FLORIDA HOMES REALTY & MTG LLCJun 2026$477,000$3652/21,307661.5
567 W Hillsborough Avenue, Florahome, FL 32140Listed by DUAL STATE REAL ESTATE INCJul 2026$435,000$2703/21,6101612.5

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

Price$285,000
Price / Sq Ft$225
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,269
Acres5.77 acres
Year Built1999
TypeResidential
Sub-TypeMobile Home
StyleRanch
Property ConditionUpdated/Remodeled
StatusActive
# of Carport Spaces2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryInterlachen
MiddleC. H. Price
HighPalatka

Community Information

Address1060 Coral Farms Road, Florahome, FL 32140
Area576-Georges Lake
SubdivisionFlorahome
CityFlorahome
CountyPutnam
StateFL
Zip Code32140
Lot Size251,341.2 sq ft
Parcel Number220824000000500012
ZoningAgricultural

Amenities

UtilitiesCable Not Available, Electricity Available, Electricity Connected
SewerPrivate Sewer, Septic Tank
Water SourcePrivate, Well
ParkingAdditional Parking, Carport, Detached Carport
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Nook, His and Hers Closets, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Dryer, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringLaminate
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

Lot DescriptionAgricultural, Cleared, Farm, Irregular Lot, Many Trees, Wooded
Patio / PorchAwning(s), Covered, Deck, Porch
FencingFenced, Cross Fenced, Wire, Wood
RoofMetal
ConstructionAluminum Siding, Vinyl Siding
Other StructuresBarn(s), Shed(s), Workshop
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedSeptember 22, 2026
Days on Market8
Tax Amount$2,856.49
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MAXREV, LLC

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

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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