276 SW Chesterfield Circle

Lake City, FL 32024

$425,000$203/sqftEst. $2,262/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. This charming residence accords a wonderful opportunity to experience comfortable living in a sought-after area. The property showcases a thoughtfully designed layout that maximizes space and functionality, providing a welcoming atmosphere for residents and guests alike. The exterior boasts a well-maintained facade that adds to the home's curb appeal. Inside, you'll find living spaces that cater to various needs, ensuring convenience and comfort. The setting accords a blend of tranquility and accessibility, making it a desirable choice for those looking to enjoy the best of what Lake City has for you. Located in Cross Winds Subdivision

Cost to own

Mortgage calculator

Home Price

$425,000

Down Payment: 20%

$85,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,147

Principal & Interest: $2,147

Est. Taxes & Insurance: $537

Estimated Total Monthly

$2,683

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,262

Estimated total, before insurance$2,262/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

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.

History