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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

$415,0003 bd · 2 ba · 1,822 sq ft

Active·63 days on market

619 SW Bellflower Drive

Lake City, FL 32024

$415,000$228/sqftEst. $2,263/mo mortgageMLS# 2163863
↓ $10,000 below original list
3
Beds
2
Baths
1,822
Sq Ft
2017
Built
2
Garage
No
Pool
FEMA Zone XHOA $70/mo10,890 sqft lotSingle 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

Lake City

This stunning 3 bedroom, 2 bathroom home features an open split floor plan, spacious primary suite, gourmet kitchen with granite countertops and stainless steel appliances, indoor laundry, and a 2 car garage. Enjoy all the amenities The Preserve has to offer, including a community pool, clubhouse, tennis courts, and basketball courts. Perfectly situated just minutes from schools, hospitals, shopping, and dining. Schedule your private showing today before it's gone!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$2,263
HOAbilled quarterly$70
Estimated total, before insurance$2,332/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,234/yr · $269/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

$415,000
$83,000
Loan Term
Monthly Payment
$2,263
Principal & Interest: $2,263
Insurance (est.): $277
Estimated Total Monthly
$2,539
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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 2017)

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

Solar potential: ~1,274 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

As of September 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Sun & Light

South-facing backyard — the year-round light lot

The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 6:52 AM, sunset 5:37 PM.

  • The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
  • Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $3,234/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 15, 2026Price change$415,000−$10,000
  • Sep 8, 2026Listed$425,000

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 $204/sq ft; this home is listed at $228/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
420 SW Jewel Lake Drive, Lake City, FL 32024Listed by MARK SPAIN REAL ESTATEFeb 2026$300,000$2154/21,398801.2
163 SW Hancock Court, Lake City, FL 32024Listed by COLDWELL BANKER VANGUARD REALTYMay 2026$289,900$1723/21,685111.4
218 SW Woodview Way, Lake City, FL 32024Listed by DJ & LINDSEY REAL ESTATEFeb 2026$155,000$973/21,6001071.4
290 SW Fieldstone Court, Lake City, FL 32024Listed by AMERICAN DREAM OF NORTHEAST FLORIDAApr 2026$395,000$2044/21,941431.8
151 NW Heritage Drive, Lake City, FL 32055Listed by REAL BROKER LLCJun 2026$345,000$1883/21,839532.4
382 NW Emerald Lakes Drive, Lake City, FL 32055Listed by REAL ESTATE WITH GARLON WEBBOct 2026$402,000$2383/2.51,6901172.5

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.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$415,000
Price / Sq Ft$228
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,822
Total Structure Area2,529 sq ft
Acres0.25 acres
Year Built2017
TypeResidential
Sub-TypeSingle Family Residence
StyleCraftsman, Ranch, Traditional
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesNorth

Community Information

Address619 SW Bellflower Drive, Lake City, FL 32024
Area802-Columbia-West
SubdivisionMetes & Bounds
CityLake City
CountyColumbia
StateFL
Zip Code32024
Lot Size10,890 sq ft
Parcel Number034S16-02731041
ZoningSingle Family

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Pickleball, Playground, RV/Boat Storage, Storage, Tennis Court(s)
Community FeaturesSidewalks, Fishing, Curbs
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Electric Oven, Electric Range, Gas Water Heater, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Laminate, Tile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Lot DescriptionFew Trees, Irregular Lot
Patio / PorchCovered, Porch, Rear Porch
RoofShingle
ConstructionOther, Brick, Frame, Wood Siding
Other StructuresShed(s)
Road SurfacePaved

Additional Information

Date ListedSeptember 8, 2026
Days on Market63
HOA Fees$209 / Quarterly
HOA FrequencyQuarterly
Tax Amount$3,233.76
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: RE/MAX SELECT GROUP

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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines