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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·46 days on market

209 Scott Street

Interlachen, FL 32148

$215,000$195/sqftEst. $1,191/moMLS# 2156084
↓ $12,000 below original list
3
Beds
2
Baths
1,100
Sq Ft
1993
Built
1
Garage
No
Pool
FEMA Zone XNo HOA15,682 sqft lotSingle 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

Enjoy the Best of Small-Town Living in the Heart of Interlachen Welcome to **209 Scott Street**, a move-in ready **3-bedroom, 2-bath** home that combines comfort, functionality, and an affordable lifestyle in one of North Florida's most welcoming communities.

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$1,191
Estimated total, before insurance$1,191/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,484/yr · $207/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$215,000
$43,000
Loan Term
Monthly Payment
$1,191
Principal & Interest: $1,191
Insurance (est.): $143
Estimated Total Monthly
$1,334
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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: Shingle — year not disclosed (home built 1993)

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: ~1,534 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,484/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

Price & status history

  • Sep 13, 2026Price change$215,000−$10,000
  • Aug 25, 2026Active$225,000
  • Aug 20, 2026Pending$225,000
  • Aug 4, 2026Price change$225,000−$2,000
  • Jul 19, 2026Listed$227,000

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 $150/sq ft; this home is listed at $195/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
133 Reaves Avenue, Interlachen, FL 32148Listed by IHEART REALTY INCApr 2026$85,000$893/2960570.5
133 Reaves Avenue, Interlachen, FL 32148Listed by TIMBER TO TIDES REALTY LLCJul 2025$55,000$573/296020.5
109 Chipo Street, Interlachen, FL 32148Listed by IHEART REALTY INCJun 2026$180,000$1573/21,150430.8
106 Howard Drive, Interlachen, FL 32148Listed by SMILEEHOUSE AUCTION CO LLCSep 2025$180,000$1503/21,199740.9
1070 State Road 20, Interlachen, FL 32148Listed by NICOSIA REALTY INC.Jun 2026$342,000$2722/21,25601.4
221 Maltas Avenue, Interlachen, FL 32148Listed by IHEART REALTY INCJun 2026$180,000$1423/21,2643531.7

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$215,000
Price / Sq Ft$195
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,100
Acres0.36 acres
Year Built1993
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary
Property ConditionUpdated/Remodeled
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontNo

Community Information

Address209 Scott Street, Interlachen, FL 32148
Area572-Interlachen-NE
SubdivisionInterlachen Lakes Estates
CityInterlachen
CountyPutnam
StateFL
Zip Code32148
Lot Size15,681.6 sq ft
Parcel Number121024407526500160
ZoningResidential

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Primary Bathroom - Tub with Shower, Primary Downstairs
AppliancesDishwasher, Dryer, Electric Cooktop, Electric Oven, Freezer, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringTile
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Patio / PorchScreened
FencingBack Yard
RoofShingle
ConstructionFrame, Stucco
Road SurfacePaved
Road FrontageCity Street

Additional Information

Date ListedAugust 25, 2026
Days on Market67
Tax Amount$2,484.06
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: EPIQUE 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.

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20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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