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Active

Active·50 days on market

325 S Lake Avenue

Lake Butler, FL 32064

$499,900$128/sqftEst. $2,567/moMLS# 2153716

Beds

Baths

3,906

Sq Ft

1910

Built

—

Garage

Pool

About this home

Lake Butler

Motivated Seller! Step into timeless charm with this beautifully updated historic home featuring 3 bedrooms (with the potential for a 4th) & 2 full bathrooms, plus a separate 2-BR/1 BA in-law apartment. As you enter through the unique front entrance, you'll be welcomed into a spacious formal living room showcasing soaring 11-foot ceilings, elegant crown molding and beautiful chandeliers. The main home has been thoughtfully modernized with numerous upgrades, including new windows and fresh paint throughout. The kitchen features quartz countertops, an extra-deep sink and abundant cabinet space. Additional improvements include updated plumbing, new shower and vanity, electrical upgrades, new HVAC with ductwork & much more. All major appliances, including the stackable washer/dryer in the main home, will convey. The detached 2 BR/1 BA apartment has also received extensive updates, including a new water heater, shower, electrical upgrades, windows, doors, oven and added insulation

Cost to own

Mortgage calculator

Home Price

$499,900

Down Payment: 20%

$99,980

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,567

Principal & Interest: $2,567

Insurance (est.): $333

Estimated Total Monthly

$2,901

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$2,567

Estimated total, before insurance$2,567/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,396/yr · $116/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): $1,396/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, Shingle — year not disclosed (home built 1910)

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

Likely sewer

County records indicate this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,746 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