Active·219 days on market
986 State Road 20
Interlachen, FL 32148
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Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Interlachen
Don't let the size of the main home fool you—this lakefront property offers BIG possibilities! With over 4 usable acres and approximately 380 feet of frontage on spring-fed Lake Ida, this property offers space, privacy, and versatility! The main home features an open layout and beautiful lake views, while the separate 1-bedroom, 1-bath guest house includes its own kitchen and living area—ideal for multigenerational living, guests, or potential rental income! Additional features include a concrete-block garage, attached carport, fenced pasture, and RV hookup. Enjoy fishing, kayaking, boating, and peaceful waterfront living! Can't afford lake life on your own? Explore the possibility of using the extra living space to help offset expenses! There's more here than meets the eye—come see the possibilities! Rental use subject to applicable regulations.
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 (that applies to the reference bill above too).
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.
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: Shingle — year not disclosed (home built 1981)
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: ~1,589 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 homeAs 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.
Sun & Light
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:29 AM, sunset 6:57 PM.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $3,426/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.
History
Price & status history
- Oct 12, 2026Price change$399,999−$25,001
- Mar 10, 2026Listed$425,000
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 $150/sq ft; this home is listed at $417/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 133 Reaves Avenue, Interlachen, FL 32148Listed by IHEART REALTY INC | Apr 2026 | $85,000 | $89 | 3/2 | 960 | 57 | 0.9 |
| 133 Reaves Avenue, Interlachen, FL 32148Listed by TIMBER TO TIDES REALTY LLC | Jul 2025 | $55,000 | $57 | 3/2 | 960 | 2 | 0.9 |
| 133 Mullis Avenue, Interlachen, FL 32148Listed by ALIGN RIGHT REALTY HORIZONS | Aug 2026 | $55,000 | $82 | 2/1 | 672 | 435 | 1.4 |
| 109 Chipo Street, Interlachen, FL 32148Listed by IHEART REALTY INC | Jun 2026 | $180,000 | $157 | 3/2 | 1,150 | 43 | 1.4 |
| 112 Palmer Drive, Interlachen, FL 32148Listed by BEACH STATE REALTY | Jun 2026 | $140,000 | $152 | 2/1 | 924 | 12 | 1.4 |
| 106 Howard Drive, Interlachen, FL 32148Listed by SMILEEHOUSE AUCTION CO LLC | Sep 2025 | $180,000 | $150 | 3/2 | 1,199 | 74 | 1.5 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FLORIDA HOMES REALTY & MTG 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.
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Your Local Realtor
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 home20+ years · 500+ closings · NE Florida
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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
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