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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·53 days on market

104 Reaves Avenue

Interlachen, FL 32148

$189,000$146/sqftEst. $1,047/moMLS# 2160613
3
Beds
2
Baths
1,296
Sq Ft
2004
Built
—
Garage
No
Pool
FEMA Zone XNo HOASingle Family Residence1 story

See it this week

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

Charming 3-Bedroom Palm Shores home . Welcome to this well-maintained 2004 mobile home offering 1,296 square feet of comfortable living space . This 3-bedroom , 2-bath home is situated on a .23-acre lot in the desirable Palm Shores Subdivision . Enjoy the convenience of a public boat ramp to Boll Green Lake, offering opportunities for fishing and outdoor recreation. With a functional layout and plenty of space for everyday living, this property is a great opportunity for those looking for affordable Florida living in an established community . Come see all this home has to offer !

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$1,047
Estimated total, before insurance$1,047/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$189,000
$37,800
Loan Term
Monthly Payment
$1,047
Principal & Interest: $1,047
Insurance (est.): $126
Estimated Total Monthly
$1,173
*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: material not specified — year not disclosed (home built 2004)

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

Solar potential: ~1,509 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 August 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 18, 2026Listed$189,000

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 $152/sq ft; this home is listed at $146/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
133 Reaves Avenue, Interlachen, FL 32148Listed by IHEART REALTY INCApr 2026$85,000$893/2960570.2
133 Reaves Avenue, Interlachen, FL 32148Listed by TIMBER TO TIDES REALTY LLCJul 2025$55,000$573/296020.2
109 Chipo Street, Interlachen, FL 32148Listed by IHEART REALTY INCJun 2026$180,000$1573/21,150431.2
106 Howard Drive, Interlachen, FL 32148Listed by SMILEEHOUSE AUCTION CO LLCSep 2025$180,000$1503/21,199741.3
112 Palmer Drive, Interlachen, FL 32148Listed by BEACH STATE REALTYJun 2026$140,000$1522/1924121.6
127 Red Oak Lane, Hollister, FL 32147Listed by IHEART REALTY INCJul 2026$269,900$2273/21,18851.9

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$189,000
Price / Sq Ft$146
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,296
Year Built2004
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
Has PoolNo
Is WaterfrontNo

Community Information

Address104 Reaves Avenue, Interlachen, FL 32148
Area572-Interlachen-NE
SubdivisionInterlachen Lakes Estates
CityInterlachen
CountyPutnam
StateFL
Zip Code32148
Parcel Number181025408201100090

Amenities

Community FeaturesFishing
UtilitiesCable Connected, Sewer Connected, Water Connected
SewerSeptic Tank
Water SourcePublic
ParkingOther

Interior

AppliancesDryer, Electric Oven, Electric Water Heater, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
# of Stories1

Exterior

FencingFull

Additional Information

Date ListedAugust 18, 2026
Days on Market2
Listing TermsCash, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: NICOSIA 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.

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