Active Under Contract·130 days on market
382 NW Emerald Lakes Drive
Lake City, FL 32055
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Lake City
A+ home in an A+ neighborhood! with A+++ outbuildings! Large welcoming front porch to welcome guests and to enjoy country living! Two story home has owners suite on 1st floor and 2 bedrooms with full bath upstairs. Home has large kitchen with bar seating and built in desk, adjacent dining room with French doors, and large family room with adjoining screened porch. Also, half hall bath downstairs is a plus. Home has A+++ maintenance including brand new water heater, brand new panel box and 6 month old roof. Home has two car attached garage with enclosed side office. Home offers A+++ detached buildings with brick detached garage/storage building. Additionally, detached are 6 workshops/garages suitable for woodworking, automotive, auto restoration, large machinery, material storage, custom home gym, homebrewing and fermentation, pottery and ceramics, furniture upcycling, large scale creative painting, large scale arts and crafts, home businesses and mor
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.
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 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 — year not disclosed (home built 1995)
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: ~1,749 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.
History
Price & status history
- Oct 5, 2026Active Under Contract$419,000
- Aug 28, 2026Price change$419,000−$16,000
- Jul 30, 2026Price change$435,000−$14,000
- Jun 7, 2026Listed$449,000
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 $188/sq ft; this home is listed at $248/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 151 NW Heritage Drive, Lake City, FL 32055Listed by REAL BROKER LLC | Jun 2026 | $345,000 | $188 | 3/2 | 1,839 | 53 | 0.2 |
| 167 N Dudley Loop, Lake City, FL 32055Listed by NON MLS (realMLS) | May 2026 | $200,000 | $123 | 3/2 | 1,620 | 0 | 1.9 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: REAL ESTATE WITH GARLON WEBB
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.
Northeast Florida living
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