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4875 SW COUNTY ROAD 240, Lake City, FL, 32024

4beds
3baths
2,211sqft
$589,000
$266price/sqft
$4,211/moest. monthly cost
$168,440/yrincome needed

About This Home

Beautiful 16+ acres on a paved road, with a mix of cleared land, hardwood forest, and rolling terrain throughout the property. Former Rose Creek runs along the bottom of the acreage, lined with mature oak trees. The brick home is a fully updated 4-bedroom, 3-bathroom layout plus a dedicated office, built on a three-way split floor plan. Living space includes a formal living room, separate dining room, and a family room with a gas fireplace. The kitchen sits at the center of the home with granite countertops and stainless steel appliances, along with a bar area featuring a wine fridge and matching granite counters. The office is located off the formal living room and leads into a guest bedroom with its own attached bathroom. On the other side of the home, two additional bedrooms share a full bathroom. The primary bedroom has an updated en-suite bathroom with a walk-in shower. All four bedrooms include walk-in closets. A full laundry room connects to the carport. Updates include a metal roof, an A/C system that is 3 years old, a tankless gas water heater, all-new windows throughout the home, and updated plumbing and electrical systems. Outdoor features include a screened back porch with a hot tub and a separate open back patio. The home is surrounded by a landscaped flower and butterfly garden. Additional structures include a large barn with an attached lean-to, an RV carport, and a deluxe chicken coop. Located near river and springs that North Florida is known for, an easy drive into Lake City and to I-75!

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

3/10
4/10
Fort White High SchoolGrades 6-129.9 mi

Construction

Condition

  • Year built: 1975

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range,Refrigerator,Washer,Wine Refrigerator
  • Laundry features: Laundry Room

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Family Room

  • Level: First

Features

  • Stone Counters,Thermostat,Walk-In Closet(s)
  • Flooring: Carpet,Tile
  • Fireplace features: Gas
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,607
  • Total interior livable area: 2,211 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Office

  • Level: First

Primary Bathroom

  • Level: First

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First

Property

Details

  • Parcel number: 125S1603589007
  • Zoning: A-3
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Other

Lot

  • Lot size: 16.19 Acres

Parking

  • Total spaces: 4
  • Parking features: Garage,Carport
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 4
  • Carport: Yes
  • Carport spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningVery High
  • Hurricane
    HurricaneRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Lightning
Hurricane
Inland Flooding
Cold Wave
Heat Wave
Strong Wind
Tornado
Wildfire

FEMA Declared Disasters in Columbia County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,978$35,736
Home Insurance *$389$4,668
Property Taxes $622$7,464
Electricity $222$2,670
Total$4,211$50,532
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$144,377/yr
40% on housing$126,330/yr
45% on housing$112,293/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 16.2%
16.2%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 0.4%
0.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$266This listing

vs Other Active Listings

Avg $/sqft

ZIP 32024$174
Columbia County$209

vs Homes Sold Last Month

Median $/sqft

ZIP 32024$190
Columbia County$158

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-17Listed for sale$589,000
2017-12-29Sold$240,000
2010-07-19Sold$10,400

For Sale by Agent

AgentKatie Garrett
BrokerageGARRETT REALTY

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