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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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Sold

Sold·Closed Dec 11, 2025·206 days on market

536 NW Shelby Terrace

Lake City, FL 32055

$165,000sold priceListed at $178,200 · 92.6% of asking$99/sqftMLS# 2076956
3
Beds
2
Baths
1,670
Sq Ft
1960
Built
1
Garage
No
Pool
No HOASingle Family Residence1 story

About this home

Lake City

Welcome home to this beautifully updated 3-bedroom, 2-bathroom gem in the heart of Lake City! Featuring an open floor plan, this home offers a bright and airy living space, perfect for entertaining. The separate den provides additional flexibility—ideal for a home office or cozy retreat. The modern kitchen boasts sleek stainless steel appliances, while the spacious bedrooms ensure comfort for the whole family. Enjoy the convenience of an attached garage and the beauty of a large backyard, perfect for outdoor activities. Don't miss this move-in ready home—schedule your showing today!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$914
Estimated total, before insurance$914/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$165,000
$33,000
Loan Term
Monthly Payment
$914
Principal & Interest: $914
Insurance (est.): $110
Estimated Total Monthly
$1,024
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

History

Price & status history

  • Oct 9, 2025Listed$178,200

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $74/sq ft; this home is listed at $107/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
322 SE Lehigh Lane, Lake City, FL 32025Listed by KELLER WILLIAMS REALTY AT THE LAKESJun 2026$139,000$745/21,880261.4

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$178,200
Price / Sq Ft$107
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,670
Year Built1960
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontNo

Community Information

Address536 NW Shelby Terrace, Lake City, FL 32055
Area803-Columbia-Southeast
SubdivisionGwen Lake Estates
CityLake City
CountyColumbia
StateFL
Zip Code32055
Parcel Number313S1706013000

Amenities

UtilitiesCable Available
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

AppliancesDishwasher, Electric Range, Refrigerator
HeatingNatural Gas
CoolingCentral Air
# of Stories1

Additional Information

Date ListedOctober 10, 2025
Days on Market206
Listing TermsCash, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: POWERHOUSE REALTY INC.

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Dec 11, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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