214 ROYAL TERN WAY, CARRABELLE, FL, 32322
Active5 days on marketListed Jul 20, 2026MLS #A4700531
About this home
214 ROYAL TERN WAY
Build your dream home on this 0.22-acre homesite in the sought-after St. James Bay Golf & Pickleball Resort, where peaceful natural surroundings meet outstanding resort-style living. This beautiful lot backs directly to the championship golf course, offering scenic views and a tranquil setting while still providing access to public utilities for added convenience. As a property owner and member of the St. James Bay Property Owners Association, you'll enjoy an impressive lineup of amenities, including a renowned championship golf course, brand-new pickleball courts, a state-of-the-art fitness center, and an exceptional restaurant serving breakfast, lunch, and dinner. Members also have exclusive access to a scenic, dog-friendly bayside park featuring two fishing docks, kayak racks, a fire pit, picnic pavilions, and secure storage for boats, trailers, RVs, and other recreational equipment. Conveniently located near Carrabelle's beaches, marinas, and the Gulf Coast, this is an excellent opportunity to own a piece of Florida's Forgotten Coast in a community that perfectly blends recreation, relaxation, and coastal charm. Listing is for land only and comes As Is.
Facts & features
The home at a glance
0.22 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.
$426 /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
$426/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 CARRABELLE 32322
CARRABELLE 32322 — neighborhood snapshot
Population
4,348
Median age
41.1
Median income
$58,030
Median home value
$213,100
Avg household
2.24
Households w/ children
224
For the school run
Franklin County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The CARRABELLE 32322 market
This home is listed 450% above the CARRABELLE 32322 median.
Paper trail
This home's history
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
Leliana Vazquez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 214 ROYAL TERN WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 214 ROYAL TERN WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Leliana's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
214 ROYAL TERN WAY FAQs
What would the monthly payment be for 214 ROYAL TERN WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $426/mo — principal and interest, the actual property-tax bill, the $40/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 214 ROYAL TERN WAY?+
The association fee works out to $40 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 214 ROYAL TERN WAY?+
The most recent tax bill on record (2025) was $204. 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 214 ROYAL TERN WAY?+
The listing reports pets: 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 CARRABELLE 32322?+
At $32,999, this home is listed about 450% above the CARRABELLE 32322 median of $5,999. The market section on this page shows how the area is trending.
Which schools are assigned to 214 ROYAL TERN WAY?+
Franklin County School () — Franklin County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of NEW ALLIANCE GROUP REALTY · Zach Hilferding. MLS #A4700531.
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.