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Sold

Sold·Closed Aug 20, 2026·144 days on market

220 SW 3RD

Lake Butler, FL 32054

$300,000sold priceListed at $320,000 · 93.8% of asking$244/sqftMLS# 2130414
3
Beds
2
Baths
1,232
Sq Ft
2026
Built
—
Garage
No
Pool
FEMA Zone XNo HOASingle Family Residence1 storyNew construction

About this home

Lake Butler

Charming Home in the heart of Lake Butler, FL. Located within the city limits of Lake Butler, this inviting 3-bedroom, 2-bathroom home offers comfort, convenience, and small-town charm. The thoughtfully designed layout includes a nice size island for family dinner and featuring a nice walk-in shower, energy efficient low E vinyl windows.5 1/4inch baseboard throughout, hand finish plaster walls, waterproof vinyl throughout, stainless appliance package, all wood cabinets with soft close doors & drawers, remote control ceiling fans, 9ft main walls with vaulted ceilings in living area. The home offers practical living with a 2-car carport, perfect for a covered parking and added storage flexibility. Situated close to local schools, shops, and dining, this property combines an in-town location with a welcoming residential feel. Whether you're looking for a primary residence or an investment opportunity, this home delivers functionality and location in one attractive pac

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$1,662
Estimated total, before insurance$1,662/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

$300,000
$60,000
Loan Term
Monthly Payment
$1,662
Principal & Interest: $1,662
Insurance (est.): $200
Estimated Total Monthly
$1,862
*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.

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 2026)

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: ~1,409 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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

  • Aug 24, 2026Closed$320,000
  • Jul 20, 2026Pending$320,000
  • Feb 16, 2026Listed$320,000

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 $192/sq ft; this home is listed at $260/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1322 SW 4th Place Place, Lake Butler, FL 32054Listed by THE NEWCOMER GROUPJul 2026$285,000$2003/21,424540.6
16859 SE 83rd Terrace, Lake Butler, FL 32054Listed by JULIE MORROW PREMIER REALTY INCJul 2026$280,000$1903/21,475811.7
15054 SW 94th Circle, Lake Butler, FL 32054Listed by MARK SPAIN REAL ESTATEMay 2025$280,000$1923/21,46131.7

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$320,000
Price / Sq Ft$260
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,232
Total Structure Area1,936 sq ft
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleCraftsman, Ranch
StatusClosed
# of Carport Spaces2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

ElementaryOther
MiddleOther
HighOther

Community Information

Address220 SW 3RD, Lake Butler, FL 32054
Area542-Union County-South
SubdivisionMetes & Bounds
CityLake Butler
CountyUnion
StateFL
Zip Code32054
Parcel Number3105202000800100

Amenities

UtilitiesSewer Available, Sewer Connected, Water Connected
Water SourcePublic
ParkingAdditional Parking, Attached Carport, Covered
ViewCity

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Bathroom - Tub with Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringVinyl
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Lot DescriptionCleared, Corner Lot, Few Trees
Patio / PorchCovered, Front Porch
RoofShingle
ConstructionComposition Siding
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedFebruary 16, 2026
Days on Market144
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: HERRON REAL ESTATE LLC

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 Aug 20, 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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