Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
Photo 1 / 48
Active

Active·327 days on market

15971 SE 64th Street

Lake Butler, FL 32054

$534,900$197/sqftEst. $2,727/moMLS# 2107494
4
Beds
2
Baths
2,721
Sq Ft
2021
Built
2
Garage
No
Pool

About this home

Lake Butler

Located just 20 minutes north of Gainesville, this stunning custom home offers the perfect blend of peaceful country living with easy access to city conveniences. Nestled on a beautiful 1-acre lot in the Lake Butler area, you'll love the sense of space, privacy, and charm that surrounds you. Set in Union County, the home is serviced by Clay Electric--not GRU--which means lower utility costs and reliable service, a valuable bonus for homeowners. Tucked away in a quiet and friendly community known for its small-town feel, proximity to pristine lakes, and outdoor recreation, this thoughtfully designed home offers space, comfort, and timeless style. With 4 bedrooms, 2.5 bathrooms, and a flexible office, there's room for everyone. The chef's kitchen is a true standout, featuring rich wood shaker cabinets, quartz countertops, stainless steel appliances including a gas stove, and a spacious walk-in pantry.

Cost to own

Mortgage calculator

$534,900
$106,980
Loan Term
Monthly Payment
$2,727
Principal & Interest: $2,727
Insurance (est.): $357
Estimated Total Monthly
$3,084
*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.58% · 30yr$2,727
Estimated total, before insurance$2,727/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2021)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,789 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

  • Jul 10, 2026Price change$534,900−$5,000
  • Sep 5, 2025Listed$539,900

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

Features

Price$534,900
Price / Sq Ft$197
Bedrooms4
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,721
Year Built2021
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryOther
MiddleOther
HighOther

Community Information

Address15971 SE 64th Street, Lake Butler, FL 32054
Area542-Union County-South
Subdivision**verifying Subd**
CityLake Butler
CountyUnion
StateFL
Zip Code32054
Parcel Number1806201000000100

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingGarage Door Opener

Interior

Interior FeaturesEat-in Kitchen, Primary Downstairs, Walk-In Closet(s)
AppliancesGas Water Heater, Refrigerator, Tankless Water Heater, Wine Cooler
HeatingCentral
CoolingCentral Air
FlooringCarpet
# of Stories2
LevelsTwo
LaundryIn Unit

Exterior

Exterior FeaturesFire Pit
Patio / PorchCovered, Front Porch, Rear Porch
FencingOther
RoofShingle
ConstructionOther

Additional Information

Date ListedSeptember 5, 2025
Days on Market308
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS GAINESVILLE REALTY PARTNERS

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Keep looking

More homes in **verifying Subd**

Keep looking

Similar homes in Lake Butler

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Text Krista about this home

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

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines

Contact Krista Fracke