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Active

Active·179 days on market

942 State Rd 20

Interlachen, FL 32148

$399,000$340/sqftEst. $2,051/moMLS# 2108156

Beds

Baths

1,172

Sq Ft

1950

Built

Garage

Pool

About this home

Interlachen

Lake Ida waterfront cottage on 2.23 acres! With approx. 200 ft of shoreline, this beautifully remodeled home features luxury vinyl flooring, gorgeous counters and cabinetry, and stylish furnishings that convey. Updates include metal roof (permit 4/2021) and HVAC. Extras: laundry shed, large garage/workshop, RV hookup, and screened porch. Relax on the lakeside deck with sweeping views of ski-size Lake Ida—a favorite for boating, fishing & swimming. Turnkey and fully furnished, this property is perfect as a private retreat and an Airbnb income producer.

Cost to own

Mortgage calculator

Home Price

$399,000

Down Payment: 20%

$79,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,051

Principal & Interest: $2,051

Insurance (est.): $266

Estimated Total Monthly

$2,317

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,051

Estimated total, before insurance$2,051/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$1,560/yr · $130/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

2024 property taxes (current owner): $1,560/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Sources: Florida DOR certified tax roll, NEFMLS.

Storms & insurance

Florida Reality Check

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

Zone A — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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: Metal — year not disclosed (home built 1950)

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

Likely septic · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,547 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