Sold · Oct 2025 Single Family Residence
$360,000
2-Bedroom Home in Florahome

343 Tinsley Road, Florahome, FL 32140

Hanna Kline, listing agent
Listed by
Hanna Kline
Momentum Realty
Single Family Residence in Florahome · No CDD on record · Built 2025
Florahome · Florahome, FL 32140 · Putnam County
Listing data updated October 2, 2026 · refreshed twice daily
Sold Oct 2025 · $360,000
2Bedrooms
2Bathrooms
1,746Sq Ft
2025Year Built
$206Per Sq Ft
No CDD on recordFEMA Zone X
This home is sold. It closed on Oct 2025 for $360,000. This page is shown for reference and is no longer for sale.
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
17% above
$/sq ft vs community
$206 here vs $176 median sold (12 mo)
Zone X
Flood risk
Minimal hazard per FEMA; ~121 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 7 of 12
Price vs recent sales
Asking $360k tops 7 of the last 12 closed sales

Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights

As of October 2, 2026, 343 TINSLEY Road in Florahome is listed at $360,000 (1,746 sq ft, about $206 per sq ft). That is 33% above Florahome's median closed sale of $269,900 over the last 12 months (9 recorded sales). Per square foot it is above the community's recent $176/sq ft by about 17%. Listing facts: built in 2025. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • Built 2025 · 1 yrs
  • 1,746 sq ft of living area
  • Listed at $360,000 — recent neighborhood median sale price ~$269,900 (nearby sales; deemed reliable, not an appraisal)
Listing description

About this home

No listing description is available for this property.

Listing descriptions are screened for fair-housing and accuracy compliance before display.

Property facts & sources

Every fact, sourced

Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.

Listing facts MLS

List price$360,000
Bed / bath2 / 2
Living area1,746 sq ft
Year built2025
Property typeSingle Family Residence
MLS #2098202
Listing statusSold · Oct 2025

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~121 ft
CountyPutnam
Estimated first-year tax~$5,225/yr
CDD assessmentNone on record
HOANot reported

Calculated estimates

Price per sq ft$206
Estimated monthly payment$2,503
Insurance (illustrative)$1k–$2k/yr
Comparable-sales median$269,900

Buyer should verify Buyer verify

Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing

Estimated monthly payment

$2,503/mo
  • Principal & interest $1,971/mo 79%
  • Taxes $435/mo 17%
  • Insurance $97/mo 4%

$2,503/mo at 20% down, 30-yr @ 7.28% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

Cost to own

Property taxes

✓ Certified county tax roll
Estimated property taxes after purchase
$5,225/yr
≈ $435/mo·effective rate ~1.45%
Estimate: asking price less the $50,000 homestead exemption × Putnam County rate (16.89 mills, adopted 2025 millage). Not a bill.
⚠️

Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.

Current owner’s estimated bill $2,750/yr ($229/mo) — taxable value $162,990 × 16.89 mills
$2,475 more each year
(+90%)

The current owner’s taxable value is below today’s asking price; after a sale the assessment is set from market value, so the estimated bill is higher. Exemptions and portability can reduce it.

$162,990
Market value
$162,990
Assessed
$162,990
Taxable

Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.

Estimate my property taxes →

Adjust for your exemptions, portability, and down payment

Sources: Florida DOR certified tax roll (2025), realMLS; millage: Putnam County Property Appraiser, FY2025-26 adopted budget. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.

Estimated ownership costs

Estimated costs & disclosures

Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.

CDD assessment
None on record

No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.

Insurance (illustrative range)
$1k–$2k/yr

An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.

HOA
Not reported

Not stated in the listing. Confirm with the listing agent or the county record; $0 is used in the payment estimate.

Environmental data

Flood zone & elevation

Sourced environmental data for the parcel. Confirm with FEMA and your insurer.

FEMA flood zone
Zone X

From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.

Ground elevation
~121 ft

Approximate parcel elevation from USGS; confirm exact elevation with a survey.

Windstorm / insurance
Obtain a quote

Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.

Hazard risk

Natural hazard risk

FEMA National Risk Index for Putnam County, FL: overall Relatively Low. Ratings compare this county with every county in the United States for expected annual loss from each hazard.

HurricaneRelatively High
Coastal floodingRelatively Low
Inland floodingRelatively Moderate
Heat waveRelatively Low
WildfireRelatively Moderate
TornadoRelatively Moderate
LightningRelatively High
Strong windRelatively Moderate
DroughtRelatively Low
HailVery Low
Cold waveRelatively Low

Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.

Connectivity

Internet & broadband

Fiber
Check availability

Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.

Cable
Check availability

Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.

Fixed wireless / satellite
Check availability

5G home internet and satellite service depend on the exact location; check coverage for this address.

Momentum Research · Florahome

Pricing & the Florahome market

How this home is priced against recent nearby sales, and where Florahome has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.

This home’s $/sq ft vs. nearby sales

List $/sq ft against recent nearby closed sales; the community median is marked.

Price per sq ft · this home vs. recent nearby sales122 TANNER Road122 TANNER Road: $154/sq ft$154207 N PALMETTO Avenue207 N PALMETTO Avenue: $176/sq ft$176207 N PALMETTO Avenue207 N PALMETTO Avenue: $180/sq ft$180This homeThis home: $206/sq ft$206567 W HILLSBOROUGH Avenue567 W HILLSBOROUGH Avenue: $270/sq ft$270Community median $176
Property timeline

This home’s history

  • 2025BuiltPer public record
  • Oct 2025SoldClosed

Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.

Transparency

Price & listing history

Listed for $360,000Momentum Realty · on market 0 days
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up

Comparable recent sales

4 closed sales in Florahome in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.

Median of these 4 sales: $269,900 ($176/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.

The Messtimate™

The Messtimate

This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.

$270,630the mess$343,962

Stronger local evidence — 4 comparable closed sales in Florahome, closed within the last 18 months, same property type, living area within 30% of this home.

Actual list price: $360,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.

A 27% spread on the same house — and that gap is exactly what an automated guess can't see:

  • Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
  • The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
  • Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
  • Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.

For reference, this home is listed at $360,000 ($206/sq ft). The list price is the seller's asking price and is not derived from this range.

Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.

Selling your own home? Try the Messtimate on your address →

Methodology: 1,746 sq ft × $155–$197/sq ft (±12% around the median of 4 comparable closed sales in Florahome, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 2, 2026.

Momentum Scores

Momentum Property Score

47/100
Strongest on: Flood safety (95), Insurance cost (80)
0 limited50100 exceptional

47/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.

A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.

Price vs area7
This home $206/sq ft vs the community 12-month median $176/sq ft.
Affordability0
List price $360,000 vs the community median $269,900. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~121 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2025 build. Obtain a property-specific quote.
Market liquidity50
Community median 63 days on market (12-month record).
Pricing power49
Recent sales closed at about 98.2% of original asking (~1.8% below). More room below asking generally favors buyers.
Market timing45
Momentum Market Heat is 55/100 (normal). Cooler readings generally favor buyers; hotter readings favor sellers.

Coverage: 7 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.

Momentum Research

The Momentum read

🟡 Asking $206 per square foot, about 17% above the community’s $176 median. Florahome’s 12-month median sold price per square foot is $176. MLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.

What’s unique here: no CDD assessment.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Updated October 2, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

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Go deeper

More on Florahome

Go deeper on Florahome

See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.

Assigned schools

Assigned schools

Schools currently assigned to this address in Putnam County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.

School zoningThis address is in the Putnam County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Nearby & guides

City, county & community guides

Where this home sits, with links to the matching guides. General reference only.

Before you decide

Buyer research checklist

Items worth confirming for 343 TINSLEY Road, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 2025: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
  • Confirm whether a mandatory HOA applies to this parcel and what it charges.
  • FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
  • Get a homeowners insurance quote for this specific address in Putnam County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
  • Listed living area is 1,746 sq ft: verify it against the property appraiser's record and measure before relying on it.
  • Order a survey to confirm lot boundaries and easements.
  • Review permit history with the county.
  • Property taxes: the estimate on this page (about $5,225/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,475 more per year than the current owner’s estimated bill (+90%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
  • Confirm school zoning directly with the district.
Provenance

Data sources & freshness

Listing recordrealMLS, refreshed twice daily (last: October 2, 2026)
Comparable salesrealMLS closed sales in Florahome, last 18 months, as of October 2, 2026
Flood zone & elevationFEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly costCertified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 district assignments; verify with the district

Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.

Answered before you ask

Frequently asked questions

How big is 343 TINSLEY Road and when was it built?

Per the listing record, 343 TINSLEY Road was built in 2025 and has 1,746 sq ft of living area, 2 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.

What community is 343 TINSLEY Road in?

343 TINSLEY Road is in Florahome, Putnam County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.

Why might property taxes on 343 TINSLEY Road differ from the current owner's?

The estimate on this page (about $5,225 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,475 more per year than the current owner’s estimated bill (+90%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.

Is 343 TINSLEY Road in a flood zone?

The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.

Can I rely on the figures on this page?

No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.

Ready when you are

See 343 TINSLEY Road in person

Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and Hanna Kline, the listing agent, will follow up.

Call (904) 351-6461

Momentum Realty · licensed in FL & GA

Listing agent

Listed by

Listing agent · Momentum Realty
See all of HANNA KLINE's listings

Listing courtesy of Momentum Realty.

Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.

Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.

Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.

Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.

Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.

No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.

MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name, and detailed information about such listings includes the name of the listing broker. Data provided is deemed reliable but is not guaranteed. The 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. Source: realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.