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Sold·Closed Apr 3, 2026·33 days on market
105 Rachel Road
Interlachen, FL 32148
About this home
Interlachen
Owner Financing Available with $25,000 down payment. Doublewide mobile home on nearly ½ acre corner lot. Chain-link fenced on three sides with two double gates and walk gate. 24x40 home in very nice condition with metal roof and updated kitchen cabinets and countertops. Large RV carport with electric hookup, separate laundry shed, plus two additional storage sheds--all with electric. Concrete driveway and parking with multiple electric outlets. Excellent space for RVs, equipment, and storage. Home built in 1975--too old for bank financing. The seller is offering owner financing with $25,000 down, 6% interest for up to 10 years. Cash discount price of $127,500.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 1975)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,636 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 homeThis 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.
Around this address
Nearby, from public data
The closest public beach, park, water access and league fields from this home's location.
Closest park or preserve
Deep Creek Conservation Areaabout 25 mi · 4.1 mi of trails
Closest kayak & paddleboard launch
Mike Roess Goldhead Brach State Park Canoe Beach (Long Portage)about 14 mi · Little Lake Johnson
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $360/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 $146/sq ft; this home is listed at $146/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 119 Walter Avenue, Interlachen, FL 32148Listed by INTERLACHEN REALTY SERVICES, INC | Mar 2026 | $149,900 | $146 | 2/2 | 1,027 | 28 | 0.3 |
| 183 Violet Circle, Interlachen, FL 32148Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2025 | $237,900 | $210 | 2/2 | 1,135 | 63 | 0.5 |
| 133 Mullis Avenue, Interlachen, FL 32148Listed by ALIGN RIGHT REALTY HORIZONS | Aug 2026 | $55,000 | $82 | 2/1 | 672 | 435 | 0.7 |
| 109 Chipo Street, Interlachen, FL 32148Listed by IHEART REALTY INC | Jun 2026 | $180,000 | $157 | 3/2 | 1,150 | 43 | 0.9 |
| 121 Church Lake Drive, Interlachen, FL 32148Listed by NICOSIA REALTY INC. | May 2026 | $120,000 | $142 | 2/2 | 847 | 7 | 0.9 |
| 109 Lake Ida Point Drive, Interlachen, FL 32148Listed by TIMBER TO TIDES REALTY LLC | May 2026 | $55,000 | $62 | 3/1 | 888 | 86 | 0.9 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: NICOSIA REALTY INC.
Sold by: NICOSIA REALTY INC. (buyer's brokerage)
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
This home sold on Apr 3, 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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines