Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Active

Active·172 days on market

986 State Road 20

Interlachen, FL 32148

$425,000$443/sqftEst. $2,185/moMLS# 2134128

Beds

Baths

960

Sq Ft

1981

Built

—

Garage

Pool

About this home

Interlachen

Live the lake life on beautiful Lake Ida! This one-of-a-kind property offers more than 4 usable acres, highway frontage, fenced pasture, and an impressive 380 feet of private lake frontage--giving you plenty of space, accessibility, and endless possibilities. The property includes a 960-square-foot main home with an open layout and peaceful lake views, a concrete-block garage with an attached carport, and a separate 1-bedroom, 1-bath guest house complete with its own kitchen and living area--ideal for guests, extended stays, or potential rental income. Step outside and enjoy boating, fishing, kayaking, and paddleboarding right from your backyard. The fenced pasture is currently home to a horse and goat, and the property also features an RV hookup and plenty of room for gardening, hobby farming, outdoor entertaining, or even a future second homesite. A property offering this combination of highway frontage, private lake frontage, pasture, acreage, and guest accommodations is a must see!

Cost to own

Mortgage calculator

Home Price

$425,000

Down Payment: 20%

$85,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,185

Principal & Interest: $2,185

Insurance (est.): $283

Estimated Total Monthly

$2,468

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,185

Estimated total, before insurance$2,185/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,426/yr · $286/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): $3,426/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.

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 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