385 SW Montgomery Dr, Lake City, FL, 32025
About This Home
Experience luxury lakefront living at its finest in this architecturally stunning home situated on just over 3 private acres with no HOA and no deed restrictions. New Roof in 2021, Oversized 3-Car Detached Garage and a small Koi Pond. More than 5,300 square feet of thoughtfully designed living space, this estate features 5 bedrooms, 4 full bathrooms, and 2 half bathrooms, creating the perfect blend of elegance, comfort, and functionality. From the moment you enter, you’ll appreciate the impressive architectural details and breathtaking lake views found throughout the home. The gourmet kitchen is a chef’s dream, featuring granite countertops, abundant workspace, quality appliances, and a wine cooler, making it ideal for both everyday living and entertaining. The spacious living room centers around a beautiful gas fireplace, while a separate family room provides additional gathering space for family and guests. The formal dining room showcases a large picture window overlooking the lake, creating a stunning backdrop for meals and special occasions. For those who work from home, the executive-style office offers custom wooden bookshelves, rich character, and an impressive loft area. The luxurious primary suite features its own private office overlooking the water, creating a peaceful retreat for work or relaxation. Secondary bedrooms are generously sized, with two featuring their own private full bathrooms, offering comfort and privacy for family and guests alike.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1946
Materials
- Foundation: Slab
- Roof: Shingle
- Construction materials: Brick,Frame,Frame Stucco
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Refrigerator,Microwave,Dishwasher,Dryer,Gas Range,Wine Cooler,Stainless Steel Appliance(s),Other
- Laundry features: Laundry Room,Inside
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 6
- Full bathrooms: 4
- Partial bathrooms: 2
Features
- Fireplace,Ceiling Fan(s),Storage,High Speed Internet,Granite Counters
- Window features: Aluminum Frames,Wood Frames,Insulated Windows,Drapes,Blinds
- Flooring: Hardwood,Carpet,Tile
- Fireplace features: Gas
- Fireplace: Yes
Heating & Cooling
- Heating features: Central Electric
- Cooling features: Central Air
Interior Area
- Total structure area: 5,304
- Total interior livable area: 5,304 sqft
Property
Details
- Parcel number: 00000013997000
- Zoning: RSF-2
Features
- Levels: Two
- Stories: 2
- Private pool: Yes
- Pool features: In Ground,Heated,Pool/Spa Combo,Salt Water
- Patio & porch: Front Porch,Deck,Rear Porch
- Exterior features: Shrubbery,Flowering Trees,Fountian Water Feature,Plant Bed
- Has spa: Yes
- Spa features: Spa Hot Tub
- Fencing: Chain Link,Vinyl,Partial,Other,Fenced
- On waterfront: Yes
- Waterfront features: Lake Front
Lot
- Lot size: 3.16 Acres
- Features: Irregular Lot
- Lot size dimensions: Irregular Lot Size
Parking
- Parking features: 3+ Car,Driveway,Detached Enclosed Garage,Garage Door Opener
- Has garage: Yes
- 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
- Hurricane
- Heat Wave
- Inland Flooding
- Strong Wind
- Tornado
- Cold Wave
- Wildfire
How This Home’s Risks Compare
FEMA Declared Disasters in Columbia County and Florida
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,539 | $42,468 |
| Home Insurance * | $694 | $8,328 |
| Property Taxes | $981 | $11,772 |
| Electricity | $533 | $6,405 |
| Total | $5,747 | $68,964 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-19 | Price change | $699,999 |
| 2026-06-24 | Price change | $725,000 |
| 2026-06-01 | Listed for sale | $759,000 |
| 2022-08-15 | Listing removed | -- |
| 2022-07-07 | Pending sale | $575,000 |
| 2022-07-07 | Listed for sale | $575,000 |
| 2022-07-06 | Pending sale | $575,000 |
| 2022-07-06 | Listed for sale | $575,000 |
| 2022-07-06 | Contingent | $575,000 |
| 2022-06-29 | Listed for sale | $575,000 |
| 2021-05-13 | Sold | $499,900 |
| 2021-03-15 | Pending sale | $499,900 |
| 2021-03-12 | Listed for sale | $499,900 |
| 2021-02-23 | Pending sale | $499,900 |
| 2021-02-15 | Listed for sale | $499,900 |
| 1991-07-01 | Sold | $187,900 |
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