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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·31 days on market

204 Milton Avenue

Interlachen, FL 32148

$129,900$104/sqftEst. $720/moMLS# 2164190
↓ $20,000 below original list
3
Beds
2
Baths
1,248
Sq Ft
1979
Built
—
Garage
No
Pool
FEMA Zone XNo HOA9,583 sqft lotMobile Home1 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

Welcome home to this well maintained property in desirable Interlachen Lake Estates. Property features new flooring throughout, updated kitchen with new countertops and stainless steel appliances, updated bathrooms, new fixtures, fresh paint and more! Priced to sell and won't last long, schedule your showing today!

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$720
Estimated total, before insurance$720/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,309/yr · $109/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

$129,900
$25,980
Loan Term
Monthly Payment
$720
Principal & Interest: $720
Insurance (est.): $87
Estimated Total Monthly
$806
*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 1979)

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

Solar potential: ~1,596 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 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 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): $1,309/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 30, 2026Price change$129,900−$5,000
  • Sep 23, 2026Price change$134,900−$5,000
  • Sep 16, 2026Price change$139,900−$10,000
  • Sep 9, 2026Listed$149,900

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 $133/sq ft; this home is listed at $104/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
206 Anthony Avenue, Interlachen, FL 32148Listed by IHEART REALTY INCJun 2026$155,000$1493/21,040100.1
608 Kitty Avenue, Interlachen, FL 32148Listed by INTERLACHEN REALTY SERVICES, INCAug 2026$55,000$413/21,344460.6
316 Sheila Avenue, Interlachen, FL 32148Listed by WATSON REALTY CORPFeb 2026$149,900$1563/2960710.7
316 Sheila Avenue, Interlachen, FL 32148Listed by BENCHMARK BROKERS, INCAug 2025$52,000$543/29601020.7
125 Ofarrell Avenue, Interlachen, FL 32148Listed by WATSON REALTY CORPApr 2025$114,000$1232/29241360.7
509 Janet Avenue, Interlachen, FL 32148Listed by NICOSIA REALTY INC.Jun 2026$122,000$1332/2917350.8

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

Price$129,900
Price / Sq Ft$104
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,248
Acres0.22 acres
Year Built1979
TypeResidential
Sub-TypeMobile Home
StatusActive
Has PoolNo
Is WaterfrontNo

Community Information

Address204 Milton Avenue, Interlachen, FL 32148
Area572-Interlachen-NE
SubdivisionInterlachen Lakes Estates
CityInterlachen
CountyPutnam
StateFL
Zip Code32148
Lot Size9,583.2 sq ft
Parcel Number350924407600600130

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingOther

Interior

AppliancesElectric Oven, Refrigerator
CoolingWall/Window Unit(s)
# of Stories1

Exterior

Other StructuresOther

Additional Information

Date ListedSeptember 10, 2026
Days on Market21
Tax Amount$1,309.28
Tax Year2025
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS

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.

Text Krista about this home

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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