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359 NW Desoto St, Lake City, FL, 32055

3beds
3baths
4,211sqft
$699,000
$166price/sqft
$5,553/moest. monthly cost
$222,120/yrincome needed

About This Home

Step into the charm and character of a true Historic Florida brick home, thoughtfully restored to reflect its original grandeur while offering modern versatility and income potential. This one-of-a-kind property is a rare opportunity, perfectly suited for those seeking a live/work lifestyle with Residential Office zoning. From the moment you enter, you’re greeted by soaring 12-foot coffered ceilings, rich architectural detail, and a sense of timeless elegance that has been carefully preserved throughout. The décor, the elegance, and the charm are truly unmatched. The home features multiple spacious offices or bedrooms, along with well-appointed baths, allowing for flexible use to fit your needs. A generously sized kitchen space is already fully plumbed and ready for a complete build-out. Enjoy the appeal of two expansive porches, ideal for morning coffee or welcoming clients in a relaxed, inviting setting. With the flexibility to lease out the office space or utilize it for your own business, this property offers a unique ability to generate income while maintaining a professional presence on-site. Beyond the main residence, the property truly sets itself apart with its income-producing potential, offering: Two 1-bedroom studio apartments and One detached 2-bedroom, 1-bath apartment. Each space has been thoughtfully incorporated to complement the estate while providing additional revenue streams or private accommodations.

Getting Around

63
WalkingSomewhat Walkable
0
TransitVery Limited Transit
52
BikeBikeable

Schools

--
Niblack Elementary SchoolGrades PK-51.0 mi
4/10
3/10
Columbia High SchoolGrades PK,9-123.0 mi

Construction

Condition

  • Year built: 1925

Materials

  • Foundation: Pillar Post Pier,Slab
  • Roof: Shingle
  • Construction materials: Brick,Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator,Washer,Dryer,Electric Range,Stainless Steel Appliance(s)
  • Laundry features: Common Area,Other

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 1
  • Partial bathrooms: 2

Features

  • Fireplace,Ceiling Fan(s),High Speed Internet,Laminate Counters,Wood Counters
  • Window features: Wood Frames,Blinds
  • Flooring: Hardwood,Tile
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 4,211
  • Total interior livable area: 4,211 sqft

Property

Accessibility

  • Accessibility features: Handicap Modifications

Details

  • Parcel number: 00000012247000
  • Zoning: RSF-3

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Front Porch,Covered,Patio,Rear Porch
  • Exterior features: Termite Control,Rain Gutters Whole Roof

Lot

  • Lot size: 0.57 Acres
  • Lot size dimensions: .566 Acres

Parking

  • Parking features: 3+ Car,Driveway
  • Has uncovered spaces: 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
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Lightning
Hurricane
Heat Wave
Inland Flooding
Strong Wind
Tornado
Cold Wave
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 $3,534$42,408
Home Insurance *$505$6,060
Property Taxes $1,091$13,092
Electricity $423$5,085
Total$5,553$66,636
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$190,388/yr
40% on housing$166,590/yr
45% on housing$148,080/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

$166This listing

vs Other Active Listings

Avg $/sqft

ZIP 32055$168
Columbia County$210

vs Homes Sold Last Month

Median $/sqft

ZIP 32055$135
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
2026-06-23Price change$699,000
2026-06-02Price change$725,000
2026-04-29Listed for sale$750,000
2024-12-20Sold$354,000
2024-10-07Contingent$389,000
2024-06-13Price change$389,000
2024-01-15Listed for sale$450,000
2002-07-22Sold$225,000

For Sale by Agent

AgentMissy Zecher
BrokerageREMAX Select Group

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