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This home is in Crosswinds At Nocatee, Lake City.

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Pending

Pending·46 days on market·Crosswinds At Nocatee

276 SW Chesterfield Circle

Lake City, FL 32024

$395,000$188/sqftEst. $2,031/moMLS# 2155534

Beds

Baths

2,098

Sq Ft

2022

Built

Garage

Yes

Pool

About this home

Crosswinds At Nocatee

Discover this inviting house located at 276 SW Chesterfield Cir, in Lake City, FL. Original owner selling this beautiful 3/2 on 1/2 acre, built in 2022 with upgraded appliances, countertops and other extras. Starting with the oversized master bedroom, ensuite with water closet, dual sink vanity, large shower, and a large walk in closet. The oversized 2 car garage has lots of room for storage, includes ceiling mounted drop down metal shelves and pull down steps to the space above the garage for additional storage. Additional concrete driveway all the way to the 24'x24' concrete slab that holds the 24'x24' work shop and lean-to. While relaxing in the 12' round pool, there is a 6' high vinyl fence that surrounds the back yard, ensuring your privacy. And for enjoying sports outdoors is a 55'' Samsung TV encased in a waterproof box hanging in the screened in 20'8'' x 7'5'' lanai, with additional 20' x 10'8'' concrete patio area for all tho

Cost to own

Mortgage calculator

Home Price

$395,000

Down Payment: 20%

$79,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,031

Principal & Interest: $2,031

Insurance (est.): $263

Estimated Total Monthly

$2,294

*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$2,031

Estimated total, before insurance$2,031/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$1,600/yr · $133/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

2024 property taxes (current owner): $1,600/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: material not specified — year not disclosed (home built 2022)

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

Solar potential: ~1,768 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