18TH, APALACHICOLA, FL, 32320
Active190 days on marketListed Jan 16, 2026MLS #TB8465660
About this home
18TH
This beautiful lot is ready for you to build your dream home. Located high and dry in an X flood zone with just over 1/4 acre. Less than a mile away from the bay and a short distance from historic downtown Apalachicola boasting fresh seafood, great shops, restaurants and live music. Don’t miss out on this opportunity call today!
Facts & features
The home at a glance
0.28 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 — not generic estimates.
$671 /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
$671/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 APALACHICOLA 32320
APALACHICOLA 32320 — neighborhood snapshot
Population
3,503
Median age
53.8
Median income
$51,750
Median home value
$239,800
Avg household
2.05
Households w/ children
344
For the school run
Franklin County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The APALACHICOLA 32320 market
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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 18TH — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 18TH — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
18TH FAQs
What would the monthly payment be for 18TH?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $671/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 18TH?+
The most recent tax bill on record (2024) was $1,201. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in APALACHICOLA 32320?+
At $65,000, this home is priced right at the APALACHICOLA 32320 median.
Which schools are assigned to 18TH?+
Franklin County School () — Franklin County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of TROPICAL LIFE REALTY, INC. · Beth Belloise. MLS #TB8465660.
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.