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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·6 days on market

108 Eucalyptus Avenue

Crescent City, FL 32112

$399,900$130/sqftEst. $2,215/moMLS# 2167808
3
Beds
2
Baths
3,087
Sq Ft
1900
Built
—
Garage
No
Pool
FEMA Zone XNo HOA0.98 acresWaterfrontSingle Family Residence3 stories

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

Crescent City

SELLER'S LOSS IS YOUR GAIN! An incredible opportunity awaits on stunning Lake Crescent! Situated on nearly an acre of beautiful lakefront property, this historic 1900 three-story home is full of character and endless possibilities. While this beauty needs some TLC and a buyer with vision, much of the hard work has already begun! The bottom floor has been leveled, new plumbing and wiring have been completed, and mini-split units have been installed throughout. New cabinets and numerous other materials have already been purchased and are ready for the next owner. Outside, enjoy a newly built dock with two boat lifts and additional storage areas, perfect for embracing lakefront living! The seller has invested time, money, and love into this property but is ready to pass the dream along. Bring your vision, finish what has been started, and transform this historic lakefront gem into something truly spectacular. Opportunities like this don't come along every day! Schedule your showing today!

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$2,215
Estimated total, before insurance$2,215/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,531/yr · $628/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

$399,900
$79,980
Loan Term
Monthly Payment
$2,215
Principal & Interest: $2,215
Insurance (est.): $267
Estimated Total Monthly
$2,482
*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: material not specified — year not disclosed (home built 1900)

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

Solar potential: ~1,453 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 October 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): $7,531/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

  • Oct 4, 2026Listed$399,900

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 $153/sq ft; this home is listed at $130/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
521 N Lake Street, Crescent City, FL 32112Listed by CW REALTYAug 2026$377,000$1534/32,4641820.4
259 S Prospect Street, Crescent City, FL 32112Listed by COLDWELL BANKER BEN BATES INCJun 2026$450,000$1254/33,5871250.5

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$399,900
Price / Sq Ft$130
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage3,087
Acres0.98 acres
Year Built1900
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionFixer, Under Construction
StatusActive
Has PoolNo
Is WaterfrontYes

Community Information

Address108 Eucalyptus Avenue, Crescent City, FL 32112
Area583-Crescent/Georgetown/Fruitland/Drayton Isl
SubdivisionMetes & Bounds
CityCrescent City
CountyPutnam
StateFL
Zip Code32112
Lot Size42,688.8 sq ft
Parcel Number301228175002100012

Amenities

UtilitiesElectricity Available
SewerPublic Sewer
Water SourcePublic
ParkingOther
ViewLake
Waterfront TypeLake Front

Interior

AppliancesNone
HeatingNone
CoolingWall/Window Unit(s)
# of Stories3
LevelsThree Or More

Exterior

Lot DescriptionCorner Lot
FencingChain Link
Road SurfaceAsphalt

Additional Information

Date ListedOctober 4, 2026
Days on Market0
Tax Amount$7,531.16
Tax Year2025
Listing TermsCash, Owner May Carry
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: RIVER LIFE REALTY 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.

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