Active·44 days on market
125 Hart Lake Drive
Interlachen, FL 32148
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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
This BEAUTIFUL 3 BEDROOM 2 BATH COMPLETELY REMODELED HOME IS LOOKING FOR A NEW OWNER. FIRST GLANCE, A GORGEOUS LANDSCAPED YARD AROUND THIS HOME WITH NICE GRAVEL WALK WAYS. Step inside to an open floor plan with an amazing kitchen and dining area. Take in the beauty of the counter tops. Beautiful floors of luxury laminate and tile. Large bedrooms and closets. A very nice area for a TV room, family games, children's play room or use your imagination. Nice shop for projects and working tools. Also, the building in the back of the property can be a mother-n-law suite, apartment for a college student so many uses. Needs some TLC. Also, a deeded easement to HART LAKE. Just a few minutes to medical facilities, grocery stores, RODMAN DAMN (FAMOUS FOR IT'S BASS). DON'T MISS OUT ON THIS AMAZING HOME AND PROPERTY!!
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 1976)
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: ~1,631 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 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $2,190/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
- Aug 27, 2026Listed$474,900
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 $135/sq ft; this home is listed at $224/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 352 N County Road 315, Interlachen, FL 32148Listed by IHEART REALTY INC | Jun 2026 | $260,000 | $128 | 5/3 | 2,027 | 1 | 0.4 |
| 412 64th Street, Interlachen, FL 32148Listed by TEAM FLORIDA REALTY SERVICES INC | Jun 2026 | $95,000 | $55 | 2/2 | 1,720 | 31 | 1 |
| 115 Crestwood Drive, Interlachen, FL 32148Listed by DUCK REALTY INC | Jul 2026 | $230,000 | $135 | 3/2 | 1,707 | 156 | 1.1 |
| 169 Jewel Avenue, Interlachen, FL 32148Listed by BEYCOME OF FLORIDA LLC | Jun 2026 | $80,000 | $48 | 3/2 | 1,680 | 111 | 1.1 |
| 110 Patch Street, Interlachen, FL 32148Listed by IHEART REALTY INC | Aug 2026 | $285,000 | $142 | 3/2 | 2,004 | 20 | 1.2 |
| 754 Lake Shore Terrace, Interlachen, FL 32148Listed by JASON MITCHELL REAL ESTATE FLORIDA, LLC. | Jun 2026 | $380,000 | $185 | 3/2 | 2,058 | 2 | 1.2 |
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: INTERLACHEN REALTY SERVICES, 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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Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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