105 CENTRAL AVENUE, CRESCENT CITY, FL, 32112
Active115 days on marketListed Apr 1, 2026MLS #FC317354
About this home
105 CENTRAL AVENUE
Beautifully updated 3/1 Block home located in Historic Downtown Crescent City. Awesome Crescent Lake views, with 20x40 Lg detached covered RV Garage/Boat /car parking on concrete diveway and slab & boat ramp just feet away. Home offers tile wood plank flooring thru out, updated kithen ,cabinets, granite counter tops, stainless appliances.Bath w/tiled Lg walk in shower with bench seat ,Plantation blinds,inside laundry, Metal roofing ,Electric Hvac, Irrigation system, landscaping, sitting areas, partial fencing, Covered front porch to sit and enjoy Old Florida at its best. Located on a Large corner lot, bring all your watersport toys and enjoy life on Crescent Lake and the Mighty St Johns River, World class fishing. Crescent lake has access to the St Johns River and the Atlantic Ocean..Property does have commercial use capabilities /currently used as residential. This home is turn key ready, a must see! The adjoing property 14S Lake St is for sale MLS#FC319178 with the additional purchase it would be a combined land area of .57 of an acre which is a rare & great commercial development oppurtunity in the main corrider at the lake and right in the heart of downtown. Buyer to verify all measurements and zoning use.
Facts & features
The home at a glance
3
Bedrooms
1
Bathrooms
1,267
Sqft
0.31 ac
Lot size
1994
Year built
One
Levels
$291
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$2,948 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,948/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Crescent City actives
$291 vs $220
Days on market
115 vs 16 typical
Where $291/sqft sits among the 18 Crescent City actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Crescent City
Get to know Crescent City. See the full Crescent City guide →
CRESCENT CITY 32112 — neighborhood snapshot
Population
8,099
Median age
40.4
Median income
$39,247
Median home value
$150,000
Avg household
2.6
Households w/ children
721
For the school run
Putnam County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Crescent City market
$259K → $498K
Crescent City median sold, yr/yr
95.9%
Sale-to-list ratio (12 mo)
8 of 18
Crescent City actives have cut their price
Median sold price, Crescent City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 155% above the CRESCENT CITY 32112 median. See the full Crescent City market guide →
Paper trail
This home's history
Reality check
What actually sold near 105 CENTRAL AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$120,000
912 CENTER STREET
3 bd · 1.5 ba · 1,102 sqft · $109/sqft · 293 DOM
Sold · Dec ’25$725,000
311 S PROSPECT STREET
3 bd · 2 ba · 1,877 sqft · $386/sqft · 186 DOM
Sold · Jan ’26$245,000
535 S PROSPECT STREET
3 bd · 2 ba · 1,928 sqft · $127/sqft · 141 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 105 CENTRAL AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 105 CENTRAL AVENUE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
105 CENTRAL AVENUE FAQs
What would the monthly payment be for 105 CENTRAL AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,948/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 105 CENTRAL AVENUE?+
The most recent tax bill on record (2025) was $5,433. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Crescent City?+
At $369,000, this home is listed about 23% above the Crescent City median of $299,999. The market section on this page shows how the area is trending.
Which schools are assigned to 105 CENTRAL AVENUE?+
Crescent City Junior-Senior High School (high), Middleton-Burney Elementary School (elementary) — Putnam County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$369,000 runs 155% above the CRESCENT CITY 32112 median.
02City & Water views
The city and water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
115 days on market against a Crescent City median of 16 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA HOMES REALTY & MORTGAGE · Carl Thompson. MLS #FC317354.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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