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Active

Active·62 days on market

12781 W SR 100

Lake Butler, FL 32054

$370,000$144/sqftEst. $1,969/moMLS# 2145166

Beds

Baths

2,565

Sq Ft

1978

Built

Garage

Pool

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

Mortgage calculator

Home Price

$370,000

Down Payment: 20%

$74,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,869

Principal & Interest: $1,869

Est. Taxes & Insurance: $467

Estimated Total Monthly

$2,336

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$1,969

Estimated total, before insurance$1,969/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History