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618 NW EMERALD LAKES Drive, Lake City, FL, 32055

4beds
3baths
2,551sqft
$545,000
$214price/sqft
$3,998/moest. monthly cost
$159,920/yrincome needed

About This Home

Back on buyers' radar in Emerald Lakes! 🌴 If you missed this one the first time, here's your second chance. This spacious 4-bedroom, 3-bath home offers over 2,500 sq ft of living space and the Florida lifestyle buyers love -- complete with a screened-in saltwater pool perfect for relaxing or entertaining. The seller is now offering $10,000 toward a kitchen update, giving the next owner the opportunity to add their own style and value right away. With generous living areas, great natural light, and plenty of room to spread out, this home is ready for its next chapter. Located in the desirable Emerald Lakes community with easy access to shopping, dining, and major roadways. Come see the potential and make it yours!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
49
BikeSomewhat Bikeable

Schools

5/10
4/10
Lake City Middle SchoolGrades 7-84.2 mi
3/10
Columbia High SchoolGrades 9-126.0 mi

Construction

Condition

  • Year built: 1997

Materials

  • Roof: Metal

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Range,Microwave,Refrigerator,Washer

Bedrooms & Bathrooms

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

Features

  • Flooring: Carpet,Tile

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 2,551 sqft

Property

Details

  • Parcel number: 283S1602372398
  • Zoning description: Single Family

Features

  • Stories: 1
  • Pool features: In Ground,Salt Water,Screen Enclosure

Lot

  • Lot size: 2.63 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Lightning
Hurricane
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 $2,755$33,060
Home Insurance *$393$4,716
Property Taxes $594$7,128
Electricity $256$3,080
Total$3,998$47,976
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$137,074/yr
40% on housing$119,940/yr
45% on housing$106,613/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

$214This listing

vs Other Active Listings

Avg $/sqft

ZIP 32055$167
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
2026-04-10Price change$545,000
2025-12-20Listed for sale$550,000
2025-12-12Listing removed$475,000
2025-10-15Price change$475,000
2025-09-18Price change$490,999
2025-07-10Price change$499,999
2025-06-06Price change$509,000
2025-03-04Price change$579,000
2025-01-16Price change$589,000
2024-10-23Listed for sale$599,000
2024-08-13Listing removed--
2024-06-24Price change$548,690
2024-04-07Price change$649,900
2024-02-14Listed for sale$674,000
1997-03-31Sold$13,500

For Sale by Agent

AgentDELECIA HARDY
BrokerageCENTURY 21 INTEGRA

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