Active·3 days on market
109 E Washington
Interlachen, FL 32148
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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
MORE SPACE, MORE LAND, MORE POSSIBILITIES! Located in a USDA-eligible area, offering the potential of zero-down financing for qualified buyers. Discover the possibilities of this spacious 4-bedroom home situated on approximately 0.86 acres, which includes an additional adjoining parcel! Offering a comfortable layout and plenty of room to make it your own, this well-cared-for home retains much of its original charm while providing an opportunity to add your personal touches. Major improvements include a newer roof (approximately 1 year old), HVAC system (approximately 2 years old), and newer appliances. Enjoy Florida living from the screened-in porch or relax and entertain on the back patio/deck area. Outdoor enthusiasts and gardening lovers will appreciate the greenhouse, TWO storage sheds, and generous yard space offering wonderful possibilities for gardening, hobbies, recreation, or simply enjoying the outdoors. The additional adjoining parcel provides even more room to spread out!
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.
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 1930)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic · Public water (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: ~1,606 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 October 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.
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 7:29 AM, sunset 6:57 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.
- A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
- 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): $317/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
- Oct 12, 2026Listed$210,000
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 $135/sq ft; this home is listed at $97/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 100 Tremont Street, Interlachen, FL 32148Listed by INTERLACHEN REALTY SERVICES, INC | Jun 2026 | $125,000 | $51 | 4/2 | 2,438 | 11 | 0.1 |
| 115 Crestwood Drive, Interlachen, FL 32148Listed by DUCK REALTY INC | Jul 2026 | $230,000 | $135 | 3/2 | 1,707 | 156 | 1.1 |
| 110 Patch Street, Interlachen, FL 32148Listed by IHEART REALTY INC | Aug 2026 | $285,000 | $142 | 3/2 | 2,004 | 20 | 1.2 |
| 119 Chandler Street, Interlachen, FL 32148Listed by COLDWELL BANKER BEN BATES INC | Mar 2026 | $147,000 | $82 | 3/2 | 1,782 | 50 | 1.2 |
| 305 S Fillmore Avenue, Interlachen, FL 32148Listed by NICOSIA REALTY INC. | Oct 2026 | $412,000 | $220 | 3/2.5 | 1,872 | 10 | 1.4 |
| 412 64th Street, Interlachen, FL 32148Listed by TEAM FLORIDA REALTY SERVICES INC | Jun 2026 | $95,000 | $55 | 2/2 | 1,720 | 31 | 1.5 |
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.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: MARK SPAIN REAL ESTATE
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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Your Local Realtor
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 home20+ 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines