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Sold

Sold·Closed Sep 9, 2026·92 days on market

12781 W SR 100

Lake Butler, FL 32054

$270,000sold priceListed at $350,000 · 77.1% of asking$105/sqftMLS# 2145166
3
Beds
3
Baths
2,565
Sq Ft
1978
Built
1
Garage
No
Pool
FEMA Zone XNo HOA3.55 acresSingle Family Residence1 story

About this home

Lake Butler

Welcome to your private slice of country living! This charming 3-bedroom, 2-bath brick home sits on a beautiful 3.55-acre lot, offering the perfect blend of comfort, space, and versatility. A brand-new roof installed in 2024 adds peace of mind, while the expansive property provides endless opportunities. Inside, you'll find a spacious living area featuring a cozy gas fireplace, perfect for relaxing evenings at home. The enclosed back porch offers additional space to unwind while enjoying views of the serene property. Step outside and take in the stunning yard, shaded by mature oak trees that add both beauty and character. The property also includes a powered shed with a workshop, ideal for hobbies or storage, as well as a pole barn with electricity perfect for equipment, RVs, or additional workspace. Schedule your showing today!

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$1,496
Estimated total, before insurance$1,496/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

$270,000
$54,000
Loan Term
Monthly Payment
$1,496
Principal & Interest: $1,496
Insurance (est.): $180
Estimated Total Monthly
$1,676
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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 — 2024 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,731 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

  • Sep 9, 2026Closed$350,000
  • Aug 14, 2026Pending$350,000
  • Jul 24, 2026Price change$350,000−$20,000
  • May 14, 2026Listed$370,000

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 $129/sq ft; this home is listed at $136/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
19414 NW 135th Lane, Lake Butler, FL 32054Listed by UNITED COUNTRY SMITH & ASSOCIATESApr 2026$239,900$1293/21,8601391.7
19517 NW 137th Lane, Lake Butler, FL 32054Listed by CW REALTYAug 2025$290,000$1274/22,280471.8

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$350,000
Price / Sq Ft$136
Bedrooms3
Bathrooms3.00
Full Baths3
Square Footage2,565
Total Structure Area3,444 sq ft
Acres3.55 acres
Year Built1978
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontNo

School Information

MiddleBradford
HighBradford

Community Information

Address12781 W SR 100, Lake Butler, FL 32054
Area522-Bradford County-NW
SubdivisionMetes & Bounds
CityLake Butler
CountyBradford
StateFL
Zip Code32054
Lot Size154,638 sq ft
Parcel Number00103000300
ZoningSingle Family

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingOther, Garage

Interior

Interior FeaturesCeiling Fan(s), Primary Bathroom - Tub with Shower
AppliancesDishwasher, Electric Cooktop, Electric Oven, Electric Water Heater, Refrigerator, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringCarpet, Laminate
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories1
LaundryElectric Dryer Hookup, In Unit, Sink, Washer Hookup

Exterior

Lot DescriptionCleared, Many Trees
Patio / PorchCovered, Rear Porch, Screened
RoofShingle
ConstructionBrick
Other StructuresShed(s), Workshop
Road SurfaceAsphalt
Road FrontageState Road

Additional Information

Date ListedMay 14, 2026
Days on Market92
Listing TermsCash, Conventional, FHA
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CW REALTY

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 Sep 9, 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.

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