David Ramirez
$489,900$499,9003 bd3 ba1,836 sqft$267 /sqft$3,561 /mo all-in ↓

640 UNION AVENUE, CRESCENT CITY, FL, 32112

Active82 days on marketListed May 14, 2026MLS #NS1088201

Reduced $10KWaterfrontManufactured HomeLAKE ENGLISH

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

WaterfrontFireplacePets allowed

Inside

FlooringVinyl
AppliancesDishwasher · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Other · Primary Bedroom Main Floor
LaundryInside
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionOther
FoundationOther
FacesEast
ParkingDriveway
ExteriorOther

Community & fees

Taxes (2025)$3,600/yr
PetsCats OK, Dogs OK, Yes

Utilities & systems

UtilitiesElectricity Connected
WaterWell

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%

Principal & interest$2,884
FHA mortgage insurance (est.)$217
Property tax — 2025 actual bill$300
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $17,147Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $17,147
Interest rate6.00%
Loan term

Estimated payment

$3,561/mo

Principal & interest$2,884
FHA mortgage insurance (est.)$217
Property taxes (actual bill)$300
Est. insurance$160

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

4
8
4 · this home
1
2
1
$91–160$160–230$230–299$299–369$369–438$438+

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

Map of 640 UNION AVENUE

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

HighCrescent City Junior-Senior High School★★★★
ElementaryMiddleton-Burney Elementary School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Crescent City market

Seller’s marketLeans buyer11.5 months of inventoryBuyer’s 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

CurrentPrice reduced to $489,900 $10K
May 14, 2026Listed at $499,900 · 82 days on market since
2021Built · LAKE ENGLISH

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.

112 STALLION ROADSold · Jan ’26

$280,000

112 STALLION ROAD

3 bd · 2 ba · 1,296 sqft · $216/sqft · 20 DOM

912 CENTER STREETSold · 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 640 UNION AVENUE — start here.

Andrew Acosta

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.

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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.

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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