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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

$479,9003 bd · 2 ba · 1,352 sq ft

Active·52 days on market

676 S County Road 315

Interlachen, FL 32148

$479,900$355/sqftEst. $2,616/mo mortgageMLS# 2165494
3
Beds
2
Baths
1,352
Sq Ft
2021
Built
—
Garage
No
Pool
FEMA Zone XNo HOA10.10 acresManufactured 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 to your private 10-acre homestead along paved County Road 315, where modern comfort meets true rural seclusion. Set well back from the road and surrounded by natural buffers, this property offers the kind of peace and privacy that is increasingly hard to find. The 2021 home feels practically brand new, featuring a clean and efficient 3 bed, 2 bath layout along with a small front and back deck and a charming gazebo that creates an inviting outdoor space for gatherings, grilling, or quiet evenings under the trees. The land is already improved with two wells, two electric meters, and multiple small ponds, giving you excellent infrastructure for farming, livestock, or future expansion. Several older barns add character and utility, including one with existing electric and water that could be converted into a guest suite or income producing unit. Enjoy the freedom of 10 private acres while remaining just minutes from Palatka, Gainesville, & Ocala. The possibilities here are endless!

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$2,616
Estimated total, before insurance$2,616/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,587/yr · $382/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

$479,900
$95,980
Loan Term
Monthly Payment
$2,616
Principal & Interest: $2,616
Insurance (est.): $320
Estimated Total Monthly
$2,936
*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 (the whole 10-acre lot)

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 2021)

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

Septic system (public record) · 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: ~1,658 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.

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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $4,587/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 18, 2026Listed$479,900

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 $186/sq ft; this home is listed at $355/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
850 Cousintown Road, Interlachen, FL 32148Listed by NICOSIA REALTY INC.Jul 2026$380,000$2233/21,7011631.5
101 Long Branch Court, Interlachen, FL 32148Listed by NICOSIA REALTY INC.Jan 2026$225,000$1763/21,280451.6
104 E Oakside Drive, Interlachen, FL 32148Listed by MARK SPAIN REAL ESTATEJun 2025$95,000$943/11,008132
125 Poplar Drive, Interlachen, FL 32148Listed by NON MLS (realMLS)Jul 2025$130,000$943/21,38002.1
137 Oak Circle, Interlachen, FL 32148Listed by CENTURY 21 LAKESIDE REALTYJul 2026$275,000$2123/21,2952232.2
728 Cousintown Road, Interlachen, FL 32148Listed by TEAM FLORIDA REALTY SERVICES INCOct 2025$250,000$1864/21,344192.2

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.

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$479,900
Price / Sq Ft$355
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,352
Acres10.10 acres
Year Built2021
TypeResidential
Sub-TypeManufactured Home
StatusActive
Has PoolNo
Is WaterfrontNo

School Information

This listingNo schools reported in the MLS
ElementaryInterlachen, reported on 4 other Metes & Bounds listings
MiddleC. H. Price, reported on 4 other Metes & Bounds listings
HighInterlachen, reported on 4 other Metes & Bounds listings
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address676 S County Road 315, Interlachen, FL 32148
Area571-Interlachen-SE
SubdivisionMetes & Bounds
CityInterlachen
CountyPutnam
StateFL
Zip Code32148
Lot Size439,956 sq ft
Parcel Number021124000000300000

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourcePrivate, Well
ParkingOther
ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s)
AppliancesDishwasher, Dryer, Electric Oven, Electric Range, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Laminate
# of Stories1

Exterior

Lot DescriptionAgricultural
FencingWire
RoofShingle
Road SurfacePaved

Additional Information

Date ListedSeptember 18, 2026
Days on Market52
Tax Amount$4,587.49
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COLDWELL BANKER BEN BATES 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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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