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195 SE 14Th Street, Apalachicola, FL 32322

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For Sale

$389,000

3 beds • 3 baths • 1 half baths • 2,292 sqft

Estimated Payment

$ 2,700 /mo. †

6.76% APR for 30 yrs.
$8,148 in taxes
Change Loan Terms

  • Single Family Detached
    Property type

  • $169.72
    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! Approximate room dimensions!
MLS# 381291

Courtesy Of The Naumann Group Real Estate, Inc.

(850) 325-1681

Property Features

  • Age
    1-5 Years Old
  • Amenities
    Ceiling Fan
  • Appliances
    Dishwasher, Microwave, Washer
  • Architecture Style
    New Traditional
  • Cooling System
    Ceiling Fan(s)
  • Exterior Type
    Asbestos
  • Heating System
    Central Furnace
  • Lot Size
    0.14 Acres
  • Rooms
    Dining Room, Family Room, Kitchen, Living Room

Map and Directions

Directions to 195 SE 14Th Street, Apalachicola, FL 32322

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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Monthly Payment Breakdown

  • Principle and Interest
    $2,021
  • Property Taxes
    $679
  • Hazard Insurance
    $0
  • Private Mortgage Insurance
    $0
  • HOA Dues
    $0
  • Total Monthly Payment:
    $2,700

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 11.9 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 15.7 miles
85 school rd

9 total students

School Details

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 32322

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Apalachicola, FL 32322

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

90° July
Hottest Average Month
42° January
Coldest Average Month
1,484 Total Households in Area
-2.6% Increase in population since the year 2010
19%
of households
have children
26 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 32322

Apalachicola, FL 32322 has a population of 4,051 people in 1,484 households with a median age of 46.3 years old.

-2.6%
Decrease in population
since the year 2010
Population is Trending down
1,360
Total households as of 2010
4.4%
projected percent change in total
households in 5 years

Community Population By Age

The median age for this area is 46.3 years old. The smallest percentage group is 25-34 years and the largest percentage is the 85+ years age range.

Community Population By Ethnicity

White 76%
Black 16%
Hispanic 6%
Other 3%
Native American <1%
Asian <1%
The most prevalent ethnicity is White at 76%, followed by Black at 16%, Hispanic at 6%, and Other at 3%.

Economics
for Apalachicola, FL 32322

15 /sq mi
Population Density
$54,787 /yr
Median Household Income
$250,000
Median Sales Price
26 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 $15-24,999k representing 19.21% of the households.

Transportation to Work

  • Drive 91%
  • Work from Home 7%
  • Walk or Bike 2%
  • Public Transit 0%

Occupancy by Type

Owned 1,222 51%
Vacant 919 38%
Rented 262 11%

White vs Blue Collar Jobs







White Collar 59%
Blue Collar 41%

Family & Education Facts
for Apalachicola, FL 32322

46.3 Median Age

Average Household Size

2
persons per
household

53%

Married Households

Community Population By Education

High School Graduate 39%
Some High School 23%
Some College 16%
Bachelors Degree 8%
Graduate Degree 7%
Associates Degree 7%
Of the total people surveyed, the most prevalent educational attainment level is High School Graduate, representing 39.36% 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)
19% of households have children

Weather
for Apalachicola, FL 32322

The weather for this area ranges from a high of 90° F in July to a low of 42° F in January

90° July
Hottest Average Month
42° January
Coldest Average Month

Average Temperature by Month

Low (°F)
High (°F)
Jan
42°
63°
Feb
44°
66°
Mar
50°
71°
Apr
56°
78°
May
63°
85°
Jun
70°
89°
Jul
72°
90°
Aug
72°
90°
Sep
69°
87°
Oct
59°
81°
Nov
49°
72°
Dec
44°
66°

Average Temperature in Degrees Fahrenheit

Precipitation

Precipitation (inch)

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Copyright © 2025 Tallahassee Board of Realtors. 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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