Active·38 days on market
382 NW Emerald Lakes Drive
Lake City, FL 32055
About this home
Lake City
OPEN HOUSE Sat. 7/18. from 11-2. 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
Mortgage calculator
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, 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 — 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 homeInformational 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
Price & status history
- Jun 7, 2026Listed$449,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: REAL ESTATE WITH GARLON WEBB
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
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Your Local Expert
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.
Contact KristaText Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines
Open Houses
7/18/2026
11:00 am - 2:00 pm