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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active

Active·101 days on market

254 Old Woods Road

Interlachen, FL 32148

$490,000$284/sqftEst. $2,714/moMLS# 2154386
↓ $60,000 below original list
3
Beds
2
Baths
1,726
Sq Ft
1992
Built
2
Garage
No
Pool
FEMA Zone XNo HOA1.13 acresWaterfrontSingle Family Residence1 story

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Want to walk through this home this week?

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

Experience the best of waterfront living in this beautiful home located in the sought after Twin Lakes community . Situated on 1.13 acres , this three-bedroom , two-bath residence offers 1,726 square feet of comfortable living space with plenty of room to relax and entertain . Enjoy stunning lakefront views from the screened back porch , or spend your days fishing , boating , and soaking up the outdoors with your private dock and boat ramp . The fenced yard provides ample space for pets , gardening , or family activities , while the detached two-car garage offers added convenience and storage . Whether you are looking for a full-time residence or a peaceful lakeside retreat , this property combines space , privacy , and exceptional waterfront amenities in one remarkable package .

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,714
Estimated total, before insurance$2,714/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$490,000
$98,000
Loan Term
Monthly Payment
$2,714
Principal & Interest: $2,714
Insurance (est.): $327
Estimated Total Monthly
$3,041
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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 1992)

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: ~1,731 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.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

History

Price & status history

  • Sep 15, 2026Price change$490,000−$60,000
  • Jul 8, 2026Listed$550,000

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 $122/sq ft; this home is listed at $284/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
103 Appaloosa Drive, Interlachen, FL 32148Listed by FLORIDA HOMES REALTY & MTG LLCJul 2025$105,000$624/21,701500.3
1055 Old Gainesville Highway, Interlachen, FL 32148Listed by CENTURY 21 BECKHAM REALTYSep 2026$297,500$1573/21,89760.5
105 George Avenue, Interlachen, FL 32148Listed by NICOSIA REALTY INC.Mar 2026$135,000$873/21,56090.7
1081 Old Gainesville Highway, Interlachen, FL 32148Listed by INTERLACHEN REALTY SERVICES, INCMar 2026$156,700$1004/21,5602050.7
125 Reaves Avenue, Interlachen, FL 32148Listed by SUPER SELLERJul 2025$215,000$1224/21,768200.8
131 Ida Boulevard, Interlachen, FL 32148Listed by TREVOR WATERS REALTY, INC.Jul 2025$360,000$2453/21,472300.9

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

Price$490,000
Price / Sq Ft$284
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,726
Acres1.13 acres
Year Built1992
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontYes

Community Information

Address254 Old Woods Road, Interlachen, FL 32148
Area571-Interlachen-SE
SubdivisionMetes & Bounds
CityInterlachen
CountyPutnam
StateFL
Zip Code32148
Lot Size49,222.8 sq ft
Parcel Number131024000002100300

Amenities

UtilitiesCable Connected, Electricity Connected, Water Connected, Other
SewerSeptic Tank
Water SourceWell
ParkingGarage
ViewLake
Waterfront TypeLake Front

Interior

Interior FeaturesCeiling Fan(s), Pantry
AppliancesDryer, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringLaminate
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecurityClosed Circuit Camera(s), Smoke Detector(s), Other

Exterior

Exterior FeaturesBoat Ramp - Private, Dock
Lot DescriptionCleared
Patio / PorchRear Porch, Screened
FencingChain Link
RoofMetal
ConstructionFrame, Stucco, Wood Siding
Road SurfaceAsphalt

Additional Information

Date ListedJuly 8, 2026
Days on Market69
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

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.

Your Local Realtor

Krista Fracke - Broker Associate

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 home

20+ years · 500+ closings · NE Florida

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines