SPRUCE DRIVE, GEORGETOWN, FL, 32139
Active54 days on marketListed May 27, 2026MLS #K4903524
About this home
SPRUCE DRIVE
Discover the potential of this wooded vacant lot located on Spruce Dr in Georgetown, FL! Situated in the peaceful Georgetown Cove/Paradise Lakes area near beautiful Lake George, this property offers a great opportunity for a future homesite, weekend getaway, or investment. Zoned R-2, the lot may allow for site-built or manufactured homes (buyer to verify with Putnam County). Enjoy the quiet surroundings, nearby community amenities, and easy access to outdoor activities including boating, fishing, and hiking. Electric is available nearby, and the area features low annual POA fees with access to a private community park and dock on Lake George. Buyer must perform their own due diligence regarding zoning, utilities, flood zone, and intended use.
Facts & features
The home at a glance
0.24 ac
Lot size
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 and the real association fee — not generic estimates.
$200 /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
$200/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.
Where it sits
Inside Georgetown
Get to know Georgetown. See the full Georgetown guide →
GEORGETOWN 32139 — neighborhood snapshot
Population
897
Median age
60.5
Median income
$56,806
Median home value
$129,400
Avg household
2.69
Households w/ children
58%
For the school run
Putnam County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Georgetown market
$187K → $265K
Georgetown median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
Median sold price, Georgetown, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 65% below the GEORGETOWN 32139 median. See the full Georgetown market guide →
Paper trail
This home's history
Reality check
What actually sold near SPRUCE DRIVE
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$265,000
101 SE 3RD STREET · same community
3 bd · 2 ba · 1,490 sqft · $178/sqft · 47 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
Derek Perez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about SPRUCE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for SPRUCE DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Derek's phone and CRM.
Straight answers
SPRUCE DRIVE FAQs
What would the monthly payment be for SPRUCE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $200/mo — principal and interest, the actual property-tax bill, the $5/mo association fee 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.
How much are the HOA fees at SPRUCE DRIVE?+
The association fee works out to $5 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on SPRUCE DRIVE?+
The most recent tax bill on record (2025) was $42. 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 SPRUCE DRIVE?+
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 Georgetown?+
At $4,900, this home is listed about 99% below the Georgetown median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to SPRUCE DRIVE?+
Middleton-Burney Elementary School (elementary), Crescent City Junior-Senior High School (high) — Putnam County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of AMERICAN REALTY OF PSL LLC · Daniel Castaneda. MLS #K4903524.
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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