Active·109 days on market
107 Winchester Avenue
Interlachen, FL 32148
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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Interlachen
CHARMING 2-BEDROOM HOME IN PALM SHORES! This well-maintained 2-bedroom, 1-bath home offers 770 square feet of comfortable living space on a spacious 0.24-acre fenced lot. Built in 1985, the home features a new roof installed in March 2022 and has been pet-free and smoke-free. One standout feature is the impressive 376-square-foot front porch, offering plenty of room for morning coffee, outdoor dining, entertaining, or simply relaxing. The property also includes a 50-amp electrical hookup and septic hookup for an RV, adding flexibility for RV owners and guests. Located in the desirable Palm Shores community, this property is a great option for a first-time homebuyer, downsizing buyer, or investor seeking an affordable Florida property with a fenced yard and generous outdoor space.
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: material not specified — year not disclosed (home built 1985)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic
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: ~1,640 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
- Aug 4, 2026Price change$95,000−$4,900
- Jul 25, 2026Price change$99,900−$4,100
- Jun 24, 2026Listed$104,000
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 $89/sq ft; this home is listed at $123/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 133 Reaves Avenue, Interlachen, FL 32148Listed by IHEART REALTY INC | Apr 2026 | $85,000 | $89 | 3/2 | 960 | 57 | 0.6 |
| 133 Reaves Avenue, Interlachen, FL 32148Listed by TIMBER TO TIDES REALTY LLC | Jul 2025 | $55,000 | $57 | 3/2 | 960 | 2 | 0.6 |
| 104 Moore Avenue, Interlachen, FL 32148Listed by INTERLACHEN REALTY SERVICES, INC | Oct 2026 | $122,570 | $190 | 2/1 | 644 | 113 | 0.9 |
| 133 Mullis Avenue, Interlachen, FL 32148Listed by ALIGN RIGHT REALTY HORIZONS | Aug 2026 | $55,000 | $82 | 2/1 | 672 | 435 | 1.1 |
| 212 Dawn Avenue, Interlachen, FL 32148Listed by IHEART REALTY INC | Jul 2026 | $54,500 | $81 | 2/1 | 672 | 46 | 1.8 |
| 125 Ofarrell Avenue, Interlachen, FL 32148Listed by WATSON REALTY CORP | Apr 2025 | $114,000 | $123 | 2/2 | 924 | 136 | 1.8 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: NICOSIA REALTY INC.
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
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