1294 Peninsular St, photo 1
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Overview

0 baLand
TypeLand
HOANone listed
Lot19,123 sqft

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About this home

1294 Peninsular St is a home in Alligator Harbor, Panacea. Flood zone AE - confirm flood insurance requirements with your lender.

From the listing

DIRECT BAYFRONT IN ALLIGATOR POINT! Rare opportunity to own approximately 0.44 acres directly on Alligator Harbor. Enjoy beautiful bay views and the ultimate coastal lifestyle with boating, fishing, kayaking, and endless opportunities to enjoy the water. Build your dream waterfront home in this peaceful and scenic Florida setting.

The essentials

On market
32 days
Annual tax
$1,294
Flood zone
AE
Lot
19,123 sqft
Type
Land

At a glance

Payment

Est. monthly payment
$1,251/mo
Down payment (20%)
$39,980
Property taxes
$108/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Land
Year Built
-
Lot
19,123 sqft
Cooling
-
Heating
-
Parking
-
Days on Market
32
Flood Zone AE
Annual Tax (2025)
$1,294
Parcel #
06-07S-01W-1012-00E0-0230

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Alligator Harbor
County
Franklin
MLS Area
32346 - Panacea
Lot Size
19,123 sqft

Price history

Date
Event
Price
10/5/2026
Price change
Source: Stellar MLS #C7530895
$199,900-13.0%
-
Price change
Source: Stellar MLS #C7530895
$229,900-8.0%
9/17/2026
Listed for sale
Source: Stellar MLS #C7530895
$249,900

Neighborhood

1294 Peninsular St
Panacea, FL, 32346 · 32346 - Panacea

Calculator

Est. monthly payment
$1,250/mo
Principal & interest$1,043
Property taxes$108
Insurance$100
Down payment20% · $39,980
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$199,900

Time on market

32 days

Monthly payment

About $1,251/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,294 annual tax bill, insurance.

Flood zone

Zone AE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Have another question?

Brokered byGULF GATEWAY REALTY, INC.Listing agent: Brian BarnhartListing data from Stellar MLS, MLS# C7530895.

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