14 S LAKE STREET, CRESCENT CITY, FL, 32112
Active54 days on marketListed Jun 10, 2026MLS #FC319178
About this home
14 S LAKE STREET
Fantastic Commercial Oppurtunity. Property is currently zoned GC-1 general commercial one which alows commercial use. City is currently remapping and changing zoning and use to the New Central Bussiness District downtown which is proposed to inlarge the downtown area and increase growth potential and future bussiness.The adjoing property 105 Central Ave is for sale MLS#261613 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, it doesnt get any better. 14 Lake St the property is priced at land value only, the home was built in 1915 and is a pretty much a tear down or a complete renovation needed. Buyer to verify intended use with zoning with the City of Crescent City and Putnam County, the zoning codes & designation of uses are proposed to change in coming months.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
1,320
Sqft
0.26 ac
Lot size
1
Garage
1915
Year built
One
Levels
$120
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.
$1,348 /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
$1,348/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
$120 vs $228
Days on market
54 vs 16 typical
Where $120/sqft sits among the 20 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)
9 of 20
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 9% below the CRESCENT CITY 32112 median. See the full Crescent City market guide →
Paper trail
This home's history
Reality check
What actually sold near 14 S LAKE STREET
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 14 S LAKE STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 14 S LAKE STREET — 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
14 S LAKE STREET FAQs
What would the monthly payment be for 14 S LAKE STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,348/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 14 S LAKE STREET?+
The most recent tax bill on record (2025) was $2,179. 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 $159,000, this home is listed about 47% below the Crescent City median of $299,999. The market section on this page shows how the area is trending.
Which schools are assigned to 14 S LAKE STREET?+
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
01Under the CRESCENT CITY 32112 market on paper
$159,000 is 9% below the CRESCENT CITY 32112 median of $174,500, and at $120/sqft it sits under the Crescent City average of $231.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
54 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 #FC319178.
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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