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Active

Active·84 days on market

382 NW Emerald Lakes Drive

Lake City, FL 32055

$419,000$248/sqftEst. $2,154/moMLS# 2149260

Beds

Baths

1,690

Sq Ft

1995

Built

Garage

Pool

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

Mortgage calculator

Home Price

$419,000

Down Payment: 20%

$83,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,154

Principal & Interest: $2,154

Insurance (est.): $279

Estimated Total Monthly

$2,433

*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$2,154

Estimated total, before insurance$2,154/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.

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 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

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.

Features

Price$419,000

Price / Sq Ft$248

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,690

Total Structure Area3,457 sq ft

Acres0.53 acres

Year Built1995

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch, Traditional

StatusActive

# of Garages6

# of Carport Spaces2

Has PoolNo

Is WaterfrontNo

Community Information

Address382 NW Emerald Lakes Drive, Lake City, FL 32055

Area802-Columbia-West

SubdivisionEmerald Estates

CityLake City

CountyColumbia

StateFL

Zip Code32055

Lot Size23,086.8 sq ft

Parcel Number283S1602372130

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPrivate Sewer, Septic Tank

Water SourcePrivate, Well

ParkingAdditional Parking, Attached, Carport, Covered, Detached, Detached Carport, Garage, Garage Door Opener, RV Access/Parking

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Water Heater, Ice Maker, Microwave, Refrigerator

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet

# of Stories2

LaundryElectric Dryer Hookup, Washer Hookup