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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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Active

Active·181 days on market

107 Milton Avenue

Interlachen, FL 32148

$198,000$183/sqftEst. $1,017/moMLS# 2131579
3
Beds
1
Baths
1,084
Sq Ft
2015
Built
Garage
No
Pool

About this home

Interlachen

Welcome home to peaceful country living with room to grow! This charming three bedroom, one-bath single family home offers 1084 sq ft of comfortable living space, perfectly situated on a generous .86-acre lot. Enjoy the privacy and flexibility of a property that sits between 2 roads, offering the unique opportunity to easily add a rear driveway for added convenience or future expansion. The backyard is fenced with chain-link. Inside, you'll find a functional and inviting layout featuring central head and air for year-round comfort, indoor laundry area for added convenience, and kitchen appliances included, making this home truly move-in ready. Start your mornings or unwind in the evenings on the welcoming front porch where you can take in the peaceful country setting and enjoy the quiet surroundings. With plenty of outdoor space, practical amenities, and room to customize to your needs, this property offers the perfect blend of comfort, convenience and rural charm.

Cost to own

Mortgage calculator

$198,000
$39,600
Loan Term
Monthly Payment
$1,017
Principal & Interest: $1,017
Insurance (est.): $132
Estimated Total Monthly
$1,149
*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$1,017
Estimated total, before insurance$1,017/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,078/yr · $257/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

2025 property taxes (current owner): $3,078/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 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: Metal — year not disclosed (home built 2015)

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: ~1,541 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

  • Feb 23, 2026Listed$198,000

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

Features

Price$198,000
Price / Sq Ft$183
Bedrooms3
Bathrooms1.00
Full Baths1
Square Footage1,084
Acres0.86 acres
Year Built2015
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusActive
Has PoolNo
Is WaterfrontNo

School Information

ElementaryInterlachen
MiddleC. H. Price
HighInterlachen

Community Information

Address107 Milton Avenue, Interlachen, FL 32148
Area572-Interlachen-NE
SubdivisionInterlachen Lakes Estates
CityInterlachen
CountyPutnam
StateFL
Zip Code32148
Lot Size37,461.6 sq ft
Parcel Number021024407517900130
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingUnassigned
ViewOther

Interior

Interior FeaturesCeiling Fan(s), Primary Bathroom - Shower No Tub
AppliancesElectric Water Heater, Gas Range, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringLaminate, Tile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Lot DescriptionFew Trees
Patio / PorchCovered, Front Porch
FencingBack Yard, Chain Link
RoofMetal
ConstructionVinyl Siding
Road SurfaceDirt
Road FrontageUnimproved

Additional Information

Date ListedFebruary 24, 2026
Days on Market97
Tax Amount$3,078.04
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: HORIZONS REALTY INC

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

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.

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