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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 Jul 1, 2026·223 days on market

137 Oak Circle

Interlachen, FL 32148

$275,000sold priceListed at $299,000 · 92% of asking$212/sqftMLS# 2109767
3
Beds
2
Baths
1,295
Sq Ft
1984
Built
2
Garage
No
Pool
No HOA2.29 acresWaterfrontSingle Family Residence1 story

About this home

Interlachen

Welcome to Historic Interlachen in the Lake Region of North Central Florida. Own this well maintained 3/2 cement block home w/1,295 Sq Ft on 2.29 Acres of cleared land w/Spring Fed Lake. The large open concept living/family/dining room and kitchen w/serving window to the porch is perfect to host your family&friends reunions. Has a New Metal Roof (Jul 2025) w/ transferable Warranty. Large 25x22 two car attached garage w/ new door and motor (Nov 2022). New Well Pump/Switches (Nov 2023). Septic tested/pumped (Feb 2025). Receipts Available. Screened porch overlooking the backyard & the Spring Lake. The property w/Live Oaks is chain linked fenced w/2 storage sheds 12x24 & 12x10. Interlachen means ''Chain of Lakes'' Bring your fishing pole. The Ocklawaha River, Rodman Reservoir & St Johns River are minutes away. The town has almost everything you'll need. Gainesville, Palatka & Ocala are close by. Come see why so many are Loving a different way of Life in rural North Central Florida

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$1,523
Estimated total, before insurance$1,523/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$3,283/yr · $274/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$275,000
$55,000
Loan Term
Monthly Payment
$1,523
Principal & Interest: $1,523
Insurance (est.): $183
Estimated Total Monthly
$1,707
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Storms & insurance

Florida Reality Check

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

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

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

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Metal — year not disclosed (home built 1984)

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

Solar potential: ~1,638 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

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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $3,283/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.

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 $135/sq ft; this home is listed at $231/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
671 Cousintown Road, Interlachen, FL 32148Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYJun 2026$174,000$1073/21,620270.6
116 James Avenue, Interlachen, FL 32148Listed by NICOSIA REALTY INC.Jun 2026$140,000$1073/21,308711.4
101 Pond Circle, Interlachen, FL 32148Listed by NICOSIA REALTY INC.Oct 2026$259,900$1793/21,456351.5
130 Interlachen Boulevard, Interlachen, FL 32148Listed by DUCK REALTY INCJul 2026$75,000$783/2960602.1
112 Palmer Drive, Interlachen, FL 32148Listed by BEACH STATE REALTYJun 2026$140,000$1522/1924122.5
121 Keuka Road, Interlachen, FL 32148Listed by IHEART REALTY INCJul 2025$154,900$1353/21,1441542.5

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$299,000
Price / Sq Ft$231
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,295
Acres2.29 acres
Year Built1984
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes

Community Information

Address137 Oak Circle, Interlachen, FL 32148
Area573-Interlachen-SW
SubdivisionInterlachen Lakes Estates
CityInterlachen
CountyPutnam
StateFL
Zip Code32148
Lot Size99,752.4 sq ft
Parcel Number271024000000105310

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingAttached, Garage, Garage Door Opener
ViewCanal, Lake
Waterfront TypeLake Front

Interior

Interior FeaturesCeiling Fan(s), Open Floorplan
AppliancesDryer, Electric Water Heater, Gas Cooktop, Gas Range, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryIn Garage

Exterior

Patio / PorchCovered, Rear Porch, Screened
FencingChain Link
RoofMetal
Road SurfaceDirt

Additional Information

Date ListedNovember 8, 2025
Days on Market223
Tax Amount$3,282.84
Tax Year2024
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CENTURY 21 LAKESIDE REALTY

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 Jul 1, 2026. 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.

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