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195 14th St, Apalachicola, FL 32320

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For Sale

$389,000

3 beds • 3 baths • 1 half baths • 3,288 sqft

Estimated Payment

$ 1,998 /mo. †

6.65% APR for 30 yrs.
$0 in taxes
Change Loan Terms

  • Single Family Detached
    Property type

  • $118.31
    Price per square foot

  • 1-5 Years Old
    Age

Explore this Property

This newly constructed 3-bedroom, 3.5-bathroom home in Apalachicola's sought-after X flood zone offers timeless charm and cozy living, all just 1 mile from downtown in this golf cart-friendly community. The first floor features a cozy living area, the laundry, a convenient half bath, and the primary master suite. Upstairs, two guest bedrooms each include their own en suite bathrooms, providing privacy and comfort for family or visitors. The detached garage adds versatility with space to create guest quarters or a studio above. Located just steps from the Forgotten Coast Fitness and Wellness Center and the dog park, this home combines convenience with Apalachicola's relaxed coastal lifestyle. Don't miss your chance to make this charming new build your own!
MLS# 320666

Courtesy Of The Naumann Group - Coastal Division

(850) 799-1230

Property Features

  • Age
    1-5 Years Old
  • Appliances
    Dishwasher, Microwave, Washer
  • Architecture Style
    Other
  • Heating System
    Central Furnace
  • Lot Size
    0.14 Acres
  • Roof Type
    Metal

Map and Directions

Directions to 195 14th St, Apalachicola, FL 32320

Home seller CENTURY 21 Collins Realty, Inc.

Get to know the neighborhood. A local affiliated CENTURY 21 office will help you set up tours, give advice, and negotiate with sellers.

CENTURY 21 Collins Realty, Inc.

(850) 927-3100
Learn More About Us

Mortgage Calculator

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Loan Term
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Monthly Payment Breakdown

  • Principle and Interest
    $1,998
  • Property Taxes
    $0
  • Hazard Insurance
    $0
  • Private Mortgage Insurance
    $0
  • HOA Dues
    $0
  • Total Monthly Payment:
    $1,998

Calculators provided for estimating purposes only. Consult with your lender to determine precise payment requirements.

Schools

Franklin County School

Grades PK-12 Public School

Eastpoint, FL 32328 11.2 miles
1250 us highway 98

832 total students
14:1 Student teacher ratio

School Rating: D-

School Details

Franklin Virtual Instruction Program

Grades KG-12 Public School

Eastpoint, FL 32328 7.4 miles
85 school rd

9 total students

School Details
Other Nearby Schools Distance Type Grades School Rating
Apalachicola Bay Charter School 0.3 miles Public PK-8 C

Apalachicola Bay Charter School

Distance: 0.3 miles

Type Public

Grades: PK-8

C

School information does not guarantee enrollment. School service boundaries are provided as a reference only, may change, and are not guaranteed to be accurate. Contact the school district directly to verify school enrollment eligibility.

Local area information for Apalachicola, FL 32320

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Apalachicola, FL 32320

This community’s employment is highest in the education and food industries. The area’s overall household expenses are below the national average.

89° July
Hottest Average Month
44° January
Coldest Average Month
1,275 Total Households in Area
2.1% Increase in population since the year 2010
14.4%
of households
have children
23 minutes
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Demographic facts
for Apalachicola, FL 32320

Apalachicola, FL 32320 has a population of 2,851 people in 1,275 households with a median age of 49.2 years old.

2.1%
Increase in population
since the year 2010
Population is Trending up
1,198
Total households as of 2010
4.6%
projected percent change in total
households in 5 years

Community Population By Age

The median age for this area is 49.2 years old. The smallest percentage group is 55-64 years and the largest percentage is the 85+ years age range.

Community Population By Ethnicity

White 66%
Black 21%
Hispanic 8%
Other 4%
Native American <1%
Asian <1%
The most prevalent ethnicity is White at 66%, followed by Black at 21%, Hispanic at 8%, and Other at 4%.

Economics
for Apalachicola, FL 32320

52 /sq mi
Population Density
$48,349 /yr
Median Household Income
$229,900
Median Sales Price
23 min
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Household by Income

Out of the households in this area, the largest income group is $50-74,999k representing 25.96% of the households.

Transportation to Work

  • Drive 89%
  • Walk or Bike 10%
  • Work from Home 1%
  • Public Transit 0%

Occupancy by Type

Owned 923 61%
Rented 352 23%
Vacant 234 16%

White vs Blue Collar Jobs







White Collar 58%
Blue Collar 42%

Family & Education Facts
for Apalachicola, FL 32320

49.2 Median Age

Average Household Size

2.2
persons per
household

41.7%

Married Households

Community Population By Education

High School Graduate 35%
Some High School 27%
Some College 17%
Bachelors Degree 10%
Graduate Degree 6%
Associates Degree 5%
Of the total people surveyed, the most prevalent educational attainment level is High School Graduate, representing 34.62% of the population.

Household Family Expenses vs National Average

This location’s average annual expenditures compared to the national average. Index score (100=National Average)
14.4% of households have children

Weather
for Apalachicola, FL 32320

The weather for this area ranges from a high of 89° F in July to a low of 44° F in January

89° July
Hottest Average Month
44° January
Coldest Average Month

Average Temperature by Month

Low (°F)
High (°F)
Jan
44°
62°
Feb
46°
65°
Mar
52°
70°
Apr
58°
76°
May
65°
83°
Jun
72°
87°
Jul
74°
89°
Aug
74°
88°
Sep
71°
86°
Oct
60°
79°
Nov
51°
71°
Dec
45°
64°

Average Temperature in Degrees Fahrenheit

Precipitation

Precipitation (inch)

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Copyright © 2025 Realtor® Association of Franklin & Gulf Counties. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified. Information being provided is 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. Information being provided is 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 powered by Attom Data Solutions. Copyright© 2025. Information deemed reliable but not guaranteed.

This information is provided for general informational purposes only and should not be relied on in making any home-buying decisions. School information does not guarantee enrollment. Contact a local real estate professional or the school district(s) for current information on schools. This information is not intended for use in determining a person's eligibility to attend a school or to use or benefit from other city, town or local services.

† Based on a 30-year fixed rate of 3.38% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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