21 S LAKE STREET, CRESCENT CITY, FL, 32112
Active48 days on marketListed Jun 17, 2026MLS #FC319356
About this home
21 S LAKE STREET
"Seas-The-Day" and wake up to a spectacular sunrise and nature unfolding from your own living room. Rare opportunity to own one of Florida's most unique waterfront properties! Built on pilings directly over beautiful Crescent Lake, this one-of-a-kind retreat offers panoramic water views, outstanding fishing from your own deck, and direct boating access to Dunns Creek and the St. Johns River. A private dock leads from shore to the home, creating the feeling of living on the water while enjoying all the comforts of a traditional residence. This 1,400+-square-foot home features an open layout, abundant natural light, breathtaking sunrise views, and a spacious boathouse capable of accommodating multiple boats. Formerly operated as a successful vacation rental, this property offers exceptional potential as a primary residence, weekend getaway, Airbnb/VRBO investment, or fishing retreat. Included in the sale is the commercial lot located between the home and the street, providing additional parking, storage, business potential, or future development opportunities. Conveniently located near local restaurants and just a short drive from Daytona Beach, Jacksonville, St. Augustine, and Orlando, this is a truly unforgettable waterfront property unlike anything else on Crescent Lake. Zoned Commercial with a house on the property.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,410
Sqft
0.17 ac
Lot size
1974
Year built
One
Levels
$408
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.
$4,054 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,054/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
$408 vs $216
Days on market
48 vs 30 typical
Where $408/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
95.7%
Sale-to-list ratio (12 mo)
8 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 230% 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 21 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 21 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 21 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
21 S LAKE STREET FAQs
What would the monthly payment be for 21 S LAKE STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,054/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 21 S LAKE STREET?+
The most recent tax bill on record (2025) was $6,905. 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 $575,000, this home is listed about 92% 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 21 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
01Positioned at the premium end
$575,000 runs 230% above the CRESCENT CITY 32112 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $599,900, now $575,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Mark Langley. MLS #FC319356.
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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