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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·2 days on market

105 Siesta Circle

Welaka, FL 32193

$289,000$157/sqftEst. $1,601/moMLS# 2168668
4
Beds
2
Baths
1,844
Sq Ft
2024
Built
2
Garage
No
Pool
FEMA Zone XNo HOA10,019 sqft lotSingle Family Residence1 story

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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.

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

About this home

Welaka

Welcome to 105 Siesta Circle in the charming river town of Welaka! This inviting home offers an open-concept living area with beautiful vinyl flooring, a spacious kitchen featuring granite countertops, white cabinetry, stainless steel appliances, a breakfast bar, and a walk-in pantry. The comfortable living room provides plenty of space for relaxing or entertaining, while the bedrooms offer flexibility for guests, a home office, or additional living needs. Step outside to the covered, screened-in patio overlooking the backyard, perfect for enjoying your morning coffee or unwinding in the evenings. Additional features include a two-car garage, attractive landscaping, and a welcoming exterior. Enjoy the peaceful, small-town atmosphere of Welaka, with convenient access to the St. Johns River, boating, fishing, and local dining. Experience the charm of Northeast Florida living!

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$1,601
Estimated total, before insurance$1,601/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,887/yr · $491/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

$289,000
$57,800
Loan Term
Monthly Payment
$1,601
Principal & Interest: $1,601
Insurance (est.): $193
Estimated Total Monthly
$1,793
*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 2024)

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

Solar potential: ~1,687 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 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): $5,887/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 9, 2026Listed$289,000

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 $157/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
171 River Ridge Place, Welaka, FL 32193Listed by OPENDOOR BROKERAGE, LLC.Jul 2026$219,200$1483/21,477930.2
295 Maxwell Drive, Welaka, FL 32193Listed by COLDWELL BANKER BEN BATES INCAug 2026$434,900$2423/2.51,8001571.2
292 Maxwell Drive, Welaka, FL 32193Listed by MAXREV, LLCJul 2026$410,000$1943/22,108861.3
100 Happiness Drive, Welaka, FL 32189Listed by VENTURE REALTY CO, LLCJul 2026$379,900$2593/21,467771.6
156 Moonlite Drive, Welaka, FL 32193Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYJul 2025$349,900$2212/21,581451.6
164 Moonlite Drive, Welaka, FL 32193Listed by IHEART REALTY INCAug 2026$433,000$2203/21,9683361.7

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$289,000
Price / Sq Ft$157
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,844
Total Structure Area2,380 sq ft
Acres0.23 acres
Year Built2024
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address105 Siesta Circle, Welaka, FL 32193
Area582-Pomona Pk/Welaka/Lake Como/Crescent Lake Est
SubdivisionWelaka Village
CityWelaka
CountyPutnam
StateFL
Zip Code32193
Lot Size10,018.8 sq ft
Parcel Number031226924000000640

Amenities

UtilitiesElectricity Available, Sewer Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Open Floorplan, Pantry, Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Vinyl
# of Stories1
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Patio / PorchCovered, Rear Porch, Screened
Road SurfaceAsphalt

Additional Information

Date ListedOctober 9, 2026
Days on Market5
Tax Amount$5,886.59
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WELAKA 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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