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240 SW Granite Ct, Lake City, FL, 32024

3beds
2baths
1,959sqft
$449,900
$230price/sqft
$3,225/moest. monthly cost
$129,000/yrincome needed

About This Home

Beautiful home located on a .94 acre lot in a centrally located neighborhood. This home features an open-concept layout with elegant tray ceilings and stunning wood laminate flooring throughout the main living areas. The spacious bedrooms provide comfort and privacy, while the bathrooms boast large walk-in tile showers and generous walk-in closets. The kitchen is a standout with granite countertops throughout and a large center island that’s perfect for cooking, entertaining, and gathering. The property also includes an impressive 18×25 metal barn with a 12×25 lean-to, plus a 20×20 RV hookup for added convenience. Whole-house generator for peace of mind year-round.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

8/10
4/10
Lake City Middle SchoolGrades 7-85.8 mi
3/10
Columbia High SchoolGrades 9-125.5 mi

Construction

Condition

  • Year built: 2021

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Fiber Cement

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator,Microwave,Dishwasher,Washer,Dryer,Electric Range,Stainless Steel Appliance(s)
  • Laundry features: Laundry Room,Inside

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Fireplace,Ceiling Fan(s),Open Floorplan,Granite Counters
  • Window features: Insulated Windows,Blinds
  • Flooring: Laminate,Tile
  • Fireplace features: Electric
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 1,959
  • Total interior livable area: 1,959 sqft

Property

Details

  • Parcel number: 214S1603081217
  • Zoning: PRD
  • Other equipment: Sprinkler System

Features

  • Levels: One
  • Patio & porch: Screened,Rear Porch
  • Exterior features: Sprinkler System,Rain Gutters Whole Roof,Shrubbery,Plant Bed
  • Fencing: Privacy,Vinyl,Fenced

Lot

  • Lot size: 0.94 Acres
  • Lot size dimensions: 120 x 335

Parking

  • Parking features: 3+ Car,Garage,Garage Door Opener
  • Has garage: Yes

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
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Lightning
Hurricane
Cold Wave
Heat Wave
Inland Flooding
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 $2,274$27,288
Home Insurance *$297$3,564
Property Taxes $457$5,484
Electricity $197$2,366
Total$3,225$38,700
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$110,571/yr
40% on housing$96,750/yr
45% on housing$86,000/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

$230This listing

vs Other Active Listings

Avg $/sqft

ZIP 32024$175
Columbia County$210

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
2026-03-23Listed for sale$449,900
2019-12-10Sold$21,000
2019-08-08Listed for sale$25,000

For Sale by Agent

AgentElaine Tolar
BrokerageColdwell Banker Bishop Realty, Inc. of Lake City

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