Active·12 days on market
106 Osceola Road
Georgetown, FL 32139
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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
Georgetown
This is waterfront living in Whispering Pines! Tucked among the trees on 2 private acres, this well-maintained 3-bedroom, 2-bath manufactured home offers 2,029 sq ft and plenty of places to enjoy the peaceful setting. Start your morning overlooking the water, relax on the porch, unwind in the Florida room, or head out to the dock. A koi pond adds even more charm to the outdoor space. Inside, a fireplace creates a cozy gathering place, while a whole-home Generac generator provides added peace of mind. Outside you'll find a fenced front and side yard, circular drive, 2-car carport, and water system. With the home situated near the center of the acreage and surrounded by mature trees, you'll enjoy a wonderful sense of privacy with plenty of usable outdoor space. No HOA!
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.
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 2001)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · 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: ~1,681 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): $312/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 28, 2026Listed$330,000
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 $139/sq ft; this home is listed at $163/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 110 Tequesta Trail, Georgetown, FL 32139Listed by MOMENTUM REALTY | Sep 2025 | $199,000 | $135 | 3/2 | 1,475 | 11 | 0.8 |
| 106 Tequesta Trail, Georgetown, FL 32139Listed by MOMENTUM REALTY | Sep 2025 | $197,000 | $134 | 3/2 | 1,475 | 46 | 0.8 |
| 105 SE 3rd Street, Georgetown, FL 32139Listed by LPT REALTY LLC | Aug 2026 | $220,000 | $148 | 3/2 | 1,490 | 227 | 1.4 |
| 115 Edgemere Drive, Georgetown, FL 32139Listed by US REALTY HUB | Dec 2025 | $170,000 | $75 | 3/2 | 2,258 | 100 | 1.4 |
| 101 SE 3rd Street, Georgetown, FL 32139Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Jan 2026 | $265,000 | $178 | 3/2 | 1,490 | 62 | 1.5 |
| 508 Georgetown Shortcut Road, Crescent City, FL 32112Listed by UNITED REAL ESTATE GALLERY | Jul 2026 | $225,000 | $139 | 3/2 | 1,620 | 31 | 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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CENTURY 21 TRITON REALTY
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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Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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