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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·28 days on market

140 Cherokee Drive

Interlachen, FL 32148

$239,900$187/sqftEst. $1,329/moMLS# 2164658
3
Beds
2
Baths
1,280
Sq Ft
2026
Built
—
Garage
No
Pool
FEMA Zone XNo HOA0.46 acresMobile Home1 storyNew construction

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

Brand-new home coming soon! Situated on just under half an acre, this new 3-bedroom, 2-bath home will offer approximately 1,280 square feet of living space and the opportunity to be the very first to call it home. Thoughtfully designed with a functional floor plan and plenty of space both inside and out, this property offers the benefits of a new home along with a generously sized homesite. Construction is currently underway with completion anticipated in November 2026. Don't miss the opportunity to secure a brand-new home before construction is complete! Contact us today for additional information, available plans, and construction updates.

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$1,329
Estimated total, before insurance$1,329/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

$239,900
$47,980
Loan Term
Monthly Payment
$1,329
Principal & Interest: $1,329
Insurance (est.): $160
Estimated Total Monthly
$1,489
*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 2026)

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

Solar potential: ~1,630 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.

History

Price & status history

  • Sep 12, 2026Listed$239,900

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 $149/sq ft; this home is listed at $187/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
105 Crestwood Drive, Interlachen, FL 32148Listed by IHEART REALTY INCJun 2026$232,000$1662/21,4001490.5
1070 State Road 20, Interlachen, FL 32148Listed by NICOSIA REALTY INC.Jun 2026$342,000$2722/21,25600.5
221 Maltas Avenue, Interlachen, FL 32148Listed by IHEART REALTY INCJun 2026$180,000$1423/21,2643531.2
121 Lynnwood Avenue, Interlachen, FL 32148Listed by WATSON REALTY CORPMay 2026$170,000$1490/21,144171.3
125 Ofarrell Avenue, Interlachen, FL 32148Listed by WATSON REALTY CORPApr 2025$114,000$1232/29241361.7
314 Union Avenue, Interlachen, FL 32148Listed by WATSON REALTY CORPMar 2026$214,000$1453/21,480431.8

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$239,900
Price / Sq Ft$187
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,280
Acres0.46 acres
Year Built2026
TypeResidential
Sub-TypeMobile Home
StatusActive
Has PoolNo
Is WaterfrontNo
New ConstructionYes

Community Information

Address140 Cherokee Drive, Interlachen, FL 32148
Area572-Interlachen-NE
SubdivisionMirror Lake Beaches
CityInterlachen
CountyPutnam
StateFL
Zip Code32148
Lot Size20,037.6 sq ft
Parcel Number11-10-24-5920-0020-0020

Amenities

UtilitiesElectricity Available, Water Available
Water SourcePublic
ParkingAdditional Parking

Interior

AppliancesElectric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories1
LaundryIn Unit, Washer Hookup

Additional Information

Date ListedSeptember 13, 2026
Days on Market4
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: TIMBER TO TIDES REALTY LLC

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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