Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Active Under Contract

Active Under Contract·64 days on market

795 SE Bald Eagle Loop

Lake City, FL 32025

$350,000$150/sqftEst. $1,799/moMLS# 2152248

Beds

Baths

2,338

Sq Ft

2002

Built

—

Garage

Pool

About this home

Lake City

Welcome home to this private, family-friendly retreat on 5 beautifully fenced acres! Beyond the gated entrance, you'll find sprawling grandfather oak trees, multiple paddocks, and plenty of room to enjoy country living while remaining conveniently close to everyday amenities. Designed with comfort and flexibility in mind, this spacious home features 4 bedrooms and 3 bathrooms, including two primary suites with private ensuite baths--ideal for multi-generational living or hosting guests. Inside, enjoy generous living spaces with two separate living rooms, a formal dining room, a cozy wood-burning fireplace, and the convenience of two laundry rooms. Step outside to relax in the Florida room while taking in the peaceful surroundings. The property also includes multiple outbuildings with electricity, including a versatile workshop equipped with a mini-split A/C unit. Conveniently located just 7 minutes from I-75, this exceptional property offers the perfect blend of privacy, space, and

Cost to own

Mortgage calculator

Home Price

$350,000

Down Payment: 20%

$70,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,799

Principal & Interest: $1,799

Insurance (est.): $233

Estimated Total Monthly

$2,033

*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$1,799

Estimated total, before insurance$1,799/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,382/yr · $199/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,382/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Sources: Florida DOR certified tax roll, NEFMLS.

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: Metal — year not disclosed (home built 2002)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Septic system (public record) · 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: ~1,641 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