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

1 / 34

Active

Active·63 days on market

15116 SW 94th Circle

Lake Butler, FL 32054

$369,900$222/sqftEst. $1,902/moMLS# 2152717

Beds

Baths

1,664

Sq Ft

2022

Built

Garage

Pool

About this home

Lake Butler

Welcome home to this beautifully built residence in the highly sought after neighborhood of Hidden Oaks. This 3 Bed/2 Bath home is move in ready and combines modern style with everyday comfort and no HOA. Enjoy the open concept floor plan featuring a spacious kitchen with granite countertops, stainless steel appliances, a large center island and pantry. It's perfect for family gatherings and entertaining. The private primary suite offers a relaxing retreat with an ensuite bathroom featuring a walk in shower, soaking tub, and large walk in closet, & connecting to laundry for easy access. Start your mornings with coffee or unwind in the afternoon on either of the covered porches. Hidden Oaks is known for its safe and family friendly atmosphere where children can ride bikes, play in the streets and enjoy an active outdoor lifestyle. This home is conveniently located just off of HWY 121 with a short 30 minute commute to Gainesville. Note: Some photos have been virtually staged

Cost to own

Mortgage calculator

Home Price

$369,900

Down Payment: 20%

$73,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,902

Principal & Interest: $1,902

Insurance (est.): $247

Estimated Total Monthly

$2,148

*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$1,902

Estimated total, before insurance$1,902/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 2022)

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

Solar potential: ~1,726 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