Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
Photo 1 / 26
Active

$429,0002 bd · 1 ba · 720 sq ft

Active·13 days on market

150 Martin Street

Florahome, FL 32140

$429,000$596/sqftEst. $2,339/mo mortgageMLS# 2171178
2
Beds
1
Baths
720
Sq Ft
1975
Built
—
Garage
No
Pool
FEMA Zone AENo HOA0.42 acresWaterfrontSingle 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

Florahome

Looking for the perfect getaway or a peaceful place to call home? This charming, move-in-ready 2-bedroom, 1-bath concrete home offers the best of Florida country living! Located at the end of the street with no through traffic, this fully fenced property provides a quiet setting surrounded by nature. Enjoy waterfront living on George's Lake and the connecting canal, offering excellent fishing opportunities and access to the beauty of this spring-fed lake spanning over 850 acres. The home has been thoughtfully updated over the years, including windows, kitchen, bathroom, flooring, and paint. Exceptionally clean and well maintained, this home has seen very little use and is ready for its next owner. Outdoor enthusiasts will appreciate the nearby Etoniah Creek State Forest and the surrounding natural beauty. Enjoy the peace and privacy of country living while remaining within a reasonable drive of everyday conveniences.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.24% · 30yr$2,339
Estimated total, before insurance$2,339/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,526/yr · $294/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

$429,000
$85,800
Loan Term
Monthly Payment
$2,339
Principal & Interest: $2,339
Insurance (est.): $286
Estimated Total Monthly
$2,625
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 1975)

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: ~1,662 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.

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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $3,526/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 27, 2026Listed$429,000

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 $217/sq ft; this home is listed at $596/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
166 Hernando Drive, Florahome, FL 32140Listed by EXIT INSPIRED REAL ESTATESep 2026$162,400$2172/17501100.9

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.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$429,000
Price / Sq Ft$596
Bedrooms2
Bathrooms1.00
Full Baths1
Square Footage720
Acres0.42 acres
Year Built1975
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusActive
# of Carport Spaces2
Has PoolNo
Is WaterfrontYes

School Information

This listingNo schools reported in the MLS
ElementaryMelrose, reported on 5 other Lakeside Hills listings
MiddleQ. I. Roberts, reported on 3 other Lakeside Hills listings
HighInterlachen, reported on 3 other Lakeside Hills listings
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address150 Martin Street, Florahome, FL 32140
Area576-Georges Lake
SubdivisionLakeside Hills
CityFlorahome
CountyPutnam
StateFL
Zip Code32140
Lot Size18,295.2 sq ft
Parcel Number130824510206700160

Amenities

Community FeaturesFishing
UtilitiesCable Available, Electricity Available, Water Available
SewerSeptic Tank
Water SourceWell
ParkingCarport, Covered, Detached
ViewCanal, Lake
Waterfront TypeCanal Front, Lake Front

Interior

Interior FeaturesCeiling Fan(s), Primary Bathroom - Tub with Shower, Primary Downstairs
AppliancesDishwasher, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories1
SecuritySmoke Detector(s)

Exterior

Exterior FeaturesBoat Lift, Dock
Lot DescriptionCorner Lot, Cul-De-Sac, Dead End Street
Patio / PorchCovered, Deck, Patio, Porch, Rear Porch
RoofShingle

Additional Information

Date ListedOctober 28, 2026
Days on Market13
Tax Amount$3,526.44
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG 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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines