
640 UNION AVENUE, CRESCENT CITY, FL, 32112
Active82 days on marketListed May 14, 2026MLS #NS1088201
About this home
640 UNION AVENUE
Experience peaceful waterfront living on this stunning 3+ acre property featuring a beautifully designed home built in 2021 with breathtaking lake views from nearly every direction. Combining modern finishes with the tranquility of nature, this exceptional 3-bedroom, 3-bath residence offers the perfect blend of comfort, functionality, and privacy. From the moment you arrive, you’ll appreciate the expansive setting, handicap-accessible front entry ramp, and endless possibilities this property provides. Inside, the home showcases luxury vinyl flooring throughout, crown molding in the main living areas, and a light-filled open-concept layout designed for both everyday living and entertaining. The spacious living area flows seamlessly into the beautifully appointed kitchen featuring stainless steel appliances, tile backsplash, abundant cabinetry, and a large center island with generous seating space ideal for gathering with family and guests. Large windows and sliding glass doors throughout the home maximize natural light while perfectly framing the picturesque lake views. The primary suite serves as a private retreat with direct access to the backyard through sliding glass doors overlooking the water. The spa-inspired primary bathroom features dual sinks, a relaxing soaking tub, separate walk-in shower, and a spacious walk-in closet. One of the home’s most versatile features is the private guest suite overlooking the water, perfectly suited for an in-law suite, multigenerational living, private guest quarters, or rental opportunity. Complete with its own kitchenette featuring cabinetry, sink, refrigerator, and room for a stackable washer and dryer, this space offers both comfort and independence for extended stays or visiting family and friends. There is an additional bedroom and bathroom for family and guests. Additional features include an interior laundry room, three storage sheds providing ample space for tools, equipment, or hobbies, and a millings parking pad. With just over 3 acres, there is abundant room to expand, add a pool, detached garage, workshop, outdoor entertainment area, or create the custom backyard oasis of your dreams. Whether enjoying morning coffee overlooking the lake, watching sunsets across the water, or simply taking in the peaceful surroundings, this property offers a rare opportunity to own newer construction, acreage, and waterfront living where building a dock is a bonus, all in one exceptional package. Schedule your private showing today, this exceptional property will not last long!
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,836
Sqft
3.2 ac
Lot size
2021
Year built
One
Levels
$267
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.
$3,561 /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
$3,561/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
$267 vs $216
Days on market
82 vs 30 typical
Where $267/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 181% 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 640 UNION AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$280,000
112 STALLION ROAD
3 bd · 2 ba · 1,296 sqft · $216/sqft · 20 DOM
Sold · Dec ’25$120,000
912 CENTER STREET
3 bd · 1.5 ba · 1,102 sqft · $109/sqft · 293 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 640 UNION AVENUE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 640 UNION 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
640 UNION AVENUE FAQs
What would the monthly payment be for 640 UNION AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,561/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 640 UNION AVENUE?+
The most recent tax bill on record (2025) was $3,600. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 640 UNION AVENUE?+
The listing reports pets: Cats OK, Dogs OK, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Crescent City?+
At $489,900, this home is listed about 63% 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 640 UNION 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
Four things that matter here
01Positioned at the premium end
$489,900 runs 181% above the CRESCENT CITY 32112 median — but at 1,836 sqft it's also 23% larger than the typical Crescent City listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
82 days on market against a Crescent City median of 30 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $499,900, now $489,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLLADO REAL ESTATE · Paula Kegelman. MLS #NS1088201.
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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