Lot 49 #O&P, photo 1
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Overview

0 baLand
TypeLand
HOA$200/yr
Lot187,743 sqft

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About this home

Lot 49 #O&P is a home in Spring Lake Estates, Defuniak Springs. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $200 annually.

From the listing

Private, peaceful and full of hardwood trees. over 4 acres in beautiful subdivision with a lake! Common area includes boat launch, gazebo, restrooms and is gated and private for homeowners only. Lake is perfect for fishing or kayak.

The essentials

On market
1363 days
Annual tax
$363
HOA
$200/yr
Flood zone
X · Low risk
Lot
187,743 sqft
Type
Land

At a glance

Payment

Est. monthly payment
$670/mo
Down payment (20%)
$21,800
Property taxes
$30/mo
HOA
$200/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Land
Year Built
-
Lot
187,743 sqft
Cooling
-
Heating
-
Parking
-
Days on Market
1363
Flood Zone X
Annual Tax (2022)
$363
Parcel #
17-3N-18-10030-000-0495

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
Spring Lake Estates
County
Walton
MLS Area
32433 - Defuniak Springs
Lot Size
187,743 sqft
HOA
$200/yr
Debbie Salmon

Price history

Date
Event
Price
8/19/2026
Price change
Source: Stellar MLS #U8186139
$109,000-8.4%
1/18/2023
Listed for sale
Source: Stellar MLS #U8186139
$119,000

Neighborhood

Lot 49 #O&P
Defuniak Springs, FL, 32433 · 32433 - Defuniak Springs

Calculator

Est. monthly payment
$670/mo
Principal & interest$568
Property taxes$30
Insurance$55
HOA$17
Down payment20% · $21,800
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%. HOA includes any condo dues reported on the listing. 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

$109,000

Time on market

1363 days

Monthly payment

About $670/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $363 annual tax bill, insurance, and the $200/yr HOA fee.

HOA fee

$200/yr

Managed by Debbie Salmon.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Have another question?

Brokered byEXP REALTY LLCListing agent: Irina CortezListing data from Stellar MLS, MLS# U8186139.

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