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232 S MAIN Street, Crescent City, FL, 32112

3beds
1baths
1,260sqft
$360,000
$286price/sqft
$2,414/moest. monthly cost
$96,560/yrincome needed

About This Home

Home on Lake Stella in Crescent City. that has been Remodeled. Lake Stella is a Beautiful Recreational Clear Water Lake great for swimming , Fishing , skiing and Jet Skis . This Lake has a Public Boat Ramp. The Home is close to Shopping and also Lake Crescent which also has a Public Boat Ramp.. Also not far to the St. Johns River and Lake George.

Getting Around

40
WalkingCar-Dependent
0
TransitVery Limited Transit
63
BikeBikeable

Schools

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1920

Materials

  • Roof: Metal
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Range,Electric Water Heater,Microwave,Refrigerator,Washer

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Walk-In Closet(s)
  • Flooring: Laminate
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,260 sqft

Property

Details

  • Parcel number: 301228182000900070

Features

  • Levels: One and One Half
  • Stories: 2
  • Patio & porch: Deck,Front Porch
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake Front

Lot

  • Lot size: 0.44 Acres

Parking

  • Total spaces: 1
  • Parking features: Carport
  • Covered spaces: 1
  • Carport: Yes
  • Carport spaces: 1

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 $1,820$21,840
Home Insurance *$205$2,460
Property Taxes $192$2,304
Electricity $197$2,366
Total$2,414$28,968
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$82,765/yr
40% on housing$72,420/yr
45% on housing$64,373/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

$286This listing

vs Other Active Listings

Avg $/sqft

ZIP 32112$151
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
2026-03-27Listed for sale$399,000
2026-02-13Pending sale$399,000
2025-05-31Listed for sale$399,000
2023-05-02Sold$160,000
2023-04-18Pending sale$235,900
2023-04-14Listed for sale$235,900
2023-03-20Pending sale$235,900
2023-02-22Listed for sale$235,900

For Sale by Agent

AgentRICHARD RADTKE
BrokerageCOLDWELL BANKER BEN BATES INC

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