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127 N 10th St, Defuniak Springs, FL, 32433

2beds
1baths
1,188sqft
$125,000
$105price/sqft
$1,020/moest. monthly cost
$40,800/yrincome needed

About This Home

A DIAMOND IN THE ROUGH -- This is your chance to obtain a historic 2BR 1 BA home on THREE CITY LOTS located in the heart of DeFuniak Springs. Within walking distance to downtown and the DFS Historic District and The Lakeyard. This historic cottage needs some love and attention, but is currently livable and could make a good first home or rental unit. The house features some beautiful original flooring, painted beadboard walls and over 9' ceilings. There are two additional vacant City lots included with this property! Cash Deal only.

Getting Around

42
WalkingCar-Dependent
0
TransitVery Limited Transit
53
BikeBikeable

Schools

7/10
Walton Middle SchoolGrades 6-80.8 mi
7/10
Walton High SchoolGrades 9-121.3 mi

Construction

Condition

  • Property condition: Construction Complete,Needs Work
  • Year built: 1900

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Metal
  • Construction materials: Frame,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator,Electric Water Heater

Bathroom

  • Level: First
  • Area: 78.12
  • Dimensions: 9.3 x 8.4

Bedroom

  • Level: First
  • Area: 179.3
  • Dimensions: 16.3 x 11

Bedroom

  • Level: First
  • Area: 167.2
  • Dimensions: 15.2 x 11

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Area

  • Level: First
  • Area: 183.6
  • Dimensions: 15.3 x 12

Features

  • Recessed Lighting,Woodwork Painted
  • Flooring: Hardwood,Laminate
  • Fireplace features: Gas
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Central Air,Ceiling Fan(s)

Interior Area

  • Total structure area: 1,188
  • Total interior livable area: 1,188 sqft

Kitchen

  • Level: First
  • Area: 179.01
  • Dimensions: 15.3 x 11.7

Living Room

  • Level: First
  • Area: 201.96
  • Dimensions: 15.3 x 13.2

Property

Details

  • Parcel number: 253N19190700007270
  • Zoning description: City, Resid Single Family

Features

  • Stories: 1
  • Patio & porch: Porch

Lot

  • Lot size: 0.50 Acres
  • Features: Corner Lot,Level,See Remarks,Within 1/2 Mile to Water
  • Lot size dimensions: 150 x 150

Parking

  • Total spaces: 2

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

  • Lightning
    LightningVery High
  • Hurricane
    HurricaneRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Lightning
Hurricane
Tornado
Cold Wave
Strong Wind
Tsunami

FEMA Declared Disasters in Walton 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 $632$7,584
Home Insurance *$146$1,752
Property Taxes $45$540
Electricity $197$2,366
Total$1,020$12,240
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$34,971/yr
40% on housing$30,600/yr
45% on housing$27,200/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: 16.1%
16.1%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 8.0%
8.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$105This listing

vs Other Active Listings

Avg $/sqft

ZIP 32433$134
Walton County$485

vs Homes Sold Last Month

Median $/sqft

ZIP 32433$169
Walton County$400

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)

No zestimate history available

Price History

DateEventPrice
2026-07-15Listed for sale$125,000
2004-03-22Sold$25,000

For Sale by Agent

AgentS Alex C Alexander
BrokerageNaylor Realty And Associates

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