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10 CENTRAL Avenue, Crescent City, FL, 32112

4beds
4baths
3,096sqft
$515,000
$166price/sqft
$3,478/moest. monthly cost
$139,120/yrincome needed

About This Home

BELOW APPRAISED VALUE! Best of both worlds-res/com! Originally built as law offices, this unique 2-story red brick property offers incredible flexibility with 4 bd/3.5 baths. Ideally situated at the end of Central Ave in the heart of Crescent City, just steps from local dining and directly next to public boat ramp--launch your boat right from your yard into beautiful Lake Crescent anytime! Enjoy stunning, unobstructed lake views from both first and second-floor porches, with permanent public parking between you and the lake. The lower level is perfectly set up as a 1 bedroom, 1.5 bath in-law suite or apartment with a small kitchen--ideal for guests, rental income, or office use. Upstairs features a full living space with kitchen, living and dining areas, plus 2 bd/2 bats, highlighted by a charming balcony overlooking the lake. Outdoor space includes concrete backyard, above-ground pool with wraparound deck, a spacious shed. Rare opportunity with endless possibilities-live-work-invest

Getting Around

39
WalkingCar-Dependent
0
TransitVery Limited Transit
59
BikeBikeable

Schools

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1986

Materials

  • Roof: Metal

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Range,Electric Water Heater,Refrigerator
  • Laundry features: Electric Dryer Hookup,Lower Level,Washer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Eat-in Kitchen,Primary Bathroom - Tub with Shower,Split Bedrooms,Walk-In Closet(s)
  • Flooring: Tile,Vinyl,Wood

Heating & Cooling

  • Heating features: Central,Electric,Heat Pump
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 3,096
  • Total interior livable area: 3,096 sqft

Property

Details

  • Parcel number: 301228175001900040
  • Zoning description: Single Family

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Above Ground,Fenced
  • Patio & porch: Deck,Front Porch,Rear Porch
  • Exterior features: Balcony,Courtyard
  • Fencing: Back Yard,Wire,Wood
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake

Lot

  • Lot size: 9,583 sqft
  • Features: Corner Lot,Historic Area
  • Lot size dimensions: 80 x 120

Parking

  • Parking features: Additional Parking,Gated,Off Street,RV Access/Parking

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Inland Flooding
Strong Wind
Tornado
Wildfire
Tsunami

FEMA Declared Disasters in Putnam County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,604$31,248
Home Insurance *$293$3,516
Property Taxes $270$3,240
Electricity $311$3,738
Total$3,478$41,736
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$119,245/yr
40% on housing$104,340/yr
45% on housing$92,746/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 16.3%
16.3%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 1.3%
1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$166This listing

vs Other Active Listings

Avg $/sqft

ZIP 32112$152
Putnam County$151

vs Homes Sold Last Month

Median $/sqft

ZIP 32112$189
Putnam County$177

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-03-11Price change$525,000
2026-02-26Price change$575,000
2025-11-24Price change$599,000
2025-10-13Price change$625,000
2025-09-03Listed for sale$635,000
2001-05-04Sold$150,000

For Sale by Agent

AgentJILL GOODMAN
BrokerageCENTURY 21 TRITON REALTY

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