Active·79 days on market
214 Mirror Lake Drive
Interlachen, FL 32148
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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
LAKEFRONT HOME - UNDER 2026 Appraised Value! Let's dream about lakefront living on this rare find of a main home and separate possible efficiency apt w/bath and kitchen space for the ultimate gathering. The home boasts of two separate open living areas and an additional area of 320 sq ft separated by French doors with no heat/ac and a separate sunroom with no heat/ac. The home on this 1.17 +/- acres also has a basement and garage below making it a florida one of a kind. The approx. 200+ sq ft efficiency apt built in 1968 with screened will require interior renovation and HVAC. Two metal carports/pole barns offer parking or camper storage with 30-amp near. Easy commute on 4-lane State Rd 20 to Gainesville. Approximately 142 ft of frontage on the approx 50 acre Mirror Lake that is fully water recreational for boating, skiing and kayaking and swimming. Come enjoy the most of Florida offering waterfront living.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 1971)
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: ~1,657 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 homeAs 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): $5,533/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 23, 2026Price change$279,000−$10,000
- Jul 23, 2026Listed$289,000
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 $166/sq ft; this home is listed at $189/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1070 State Road 20, Interlachen, FL 32148Listed by NICOSIA REALTY INC. | Jun 2026 | $342,000 | $272 | 2/2 | 1,256 | 0 | 0.4 |
| 412 64th Street, Interlachen, FL 32148Listed by TEAM FLORIDA REALTY SERVICES INC | Jun 2026 | $95,000 | $55 | 2/2 | 1,720 | 31 | 0.4 |
| 115 Crestwood Drive, Interlachen, FL 32148Listed by DUCK REALTY INC | Jul 2026 | $230,000 | $135 | 3/2 | 1,707 | 156 | 0.5 |
| 105 Crestwood Drive, Interlachen, FL 32148Listed by IHEART REALTY INC | Jun 2026 | $232,000 | $166 | 2/2 | 1,400 | 149 | 0.6 |
| 169 Jewel Avenue, Interlachen, FL 32148Listed by BEYCOME OF FLORIDA LLC | Jun 2026 | $80,000 | $48 | 3/2 | 1,680 | 111 | 0.6 |
| 141 Kitty Avenue, Interlachen, FL 32148Listed by INTERLACHEN REALTY SERVICES, INC | Jul 2026 | $435,000 | $236 | 3/2 | 1,843 | 51 | 0.8 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COLDWELL BANKER BEN BATES 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.
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Your Local Realtor
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 home20+ 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines