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Pending

Pending·36 days on market

209 Scott Street

Interlachen, FL 32148

$225,000$205/sqftEst. $1,156/moMLS# 2156084

Beds

Baths

1,100

Sq Ft

1993

Built

Garage

Pool

About this home

Interlachen

While this home is pending, we will show for back up offers. 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

Mortgage calculator

Home Price

$225,000

Down Payment: 20%

$45,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,156

Principal & Interest: $1,156

Insurance (est.): $150

Estimated Total Monthly

$1,306

*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$1,156

Estimated total, before insurance$1,156/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).

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.

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.

History

Price & status history

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.

Features

Price$225,000

Price / Sq Ft$205

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,100

Acres0.36 acres

Year Built1993

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

Property ConditionUpdated/Remodeled

StatusPending

# 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