414 S PROSPECT STREET, CRESCENT CITY, FL, 32112
Active46 days on marketListed Jun 18, 2026MLS #V4949450
About this home
414 S PROSPECT STREET
Overlook Crescent Lake through luminous picture windows in this 3 bedroom, 2 bath, newly remodeled concrete brick home. From the views of the lake, to the peacocks, to the old Florida meets modern feel, this home has much to offer. This home has a new metal roof, a sizeable kitchen with significant amount of counter space, 2 Lazy Susans, glass mosaic tile wall, stainless steel appliances with a stainless-steel drop-in design kitchen sink with a high-arc faucet. The living room invites you with a wood-burning fireplace, picture windows and Low-E glass (saving you money on heating and cooling as well as window condensation). The primary bedroom has a spacious en-suite bathroom with beautiful glass mosaic tile in the shower and bonus rooms perfect for an office, closet or nursery. Throughout the home is vinyl plank flooring and there is another bonus room perfect for a playroom, office or even a 4th bedroom. The generous sized mudroom has a wall chalkboard and washer/dryer hook-ups. Outside there is a concrete slab ready for your new garage or workshop to be built. Seller is giving a $1,500.00 credit to buyer at closing for refrigerator/appliances. This home is located less than a quarter mile to Eva Lyons Park, Margary Neal Nelson Sunrise Park and public boat ramp, less than a mile to Crescent City public boat ramp, 3 Bananas Restaurant, Ace Hardware and Lake Stella. Slightly over a mile to shopping, parks, fine dining and fast food restaurants, doctors offices and Middleton-Burney Elementary School. Less than an hour to Ormond Beach, "World Famous" Daytona Beach, St. Augustine, Salt Springs, Palm Coast, Flagler Beach, Crescent Beach, and World Golf Village. Orlando, Jacksonville, Gainesville and Ocala are less than an hour and a half away.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
3,068
Sqft
0.26 ac
Lot size
1953
Year built
One
Levels
$90
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.
$2,289 /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
$2,289/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
$90 vs $228
Days on market
46 vs 30 typical
Where $90/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 58% 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 414 S PROSPECT 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$278,000
4042 OLD EAGLE LAKE ROAD · same community
3 bd · 2 ba · 1,556 sqft · $179/sqft · 145 DOM
Sold · Jan ’26$245,000
535 S PROSPECT STREET
3 bd · 2 ba · 1,928 sqft · $127/sqft · 141 DOM
Sold · Dec ’25$725,000
311 S PROSPECT STREET
3 bd · 2 ba · 1,877 sqft · $386/sqft · 186 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 414 S PROSPECT STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 414 S PROSPECT 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
414 S PROSPECT STREET FAQs
What would the monthly payment be for 414 S PROSPECT STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,289/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 414 S PROSPECT STREET?+
The most recent tax bill on record (2025) was $4,666. 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 $274,900, this home is listed about 8% 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 414 S PROSPECT 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.
Keep looking
Similar homes nearby
Listing courtesy of CHAMPION REALTY OF FLORIDA LLC · Barbara Niles. MLS #V4949450.
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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