986 STATE ROAD 20, Interlachen, FL, 32148
About This Home
Rare opportunity to own acres of private, spring-fed lakefront in Interlachen. Featuring 380 feet of shoreline, this property is ideal for those seeking space, privacy, and lifestyle--whether for a personal retreat, mini-farm, or future expansion. Enjoy boating, fishing, and paddleboarding right from your backyard. The property includes a guest dwelling, fenced pasture, RV hookup, and over 4 acres of usable land. The existing home offers an open layout with lake views, perfect as a primary residence, weekend getaway, or while building your dream home. Properties with this combination of acreage + private lake frontage are rarely available.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1981
Materials
- Roof: Shingle
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Range,Electric Water Heater,Refrigerator
- Laundry features: In Garage
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
Features
- Open Floorplan,Primary Bathroom - Shower No Tub,Walk-In Closet(s)
- Flooring: Laminate
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air
Interior Area
- Total structure area: 1,248
- Total interior livable area: 960 sqft
Property
Details
- Parcel number: 131024000001500000
- Zoning description: Residential
Features
- Levels: One
- Stories: 1
- Exterior features: Dock,Outdoor Shower
- Fencing: Fenced
- Has view: Yes
- View description: Lake,Water
- Has water view: Yes
- Water view: Lake,Water
- On waterfront: Yes
- Waterfront features: Lake Front
Lot
- Lot size: 13.89 Acres
Parking
- Total spaces: 2
- Parking features: Attached Carport,Carport
- Covered spaces: 2
- 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
- Hurricane
- Strong Wind
- Tornado
- Heat Wave
- Inland Flooding
- Wildfire
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Putnam 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 | $2,149 | $25,788 |
| Home Insurance * | $441 | $5,292 |
| Property Taxes | $250 | $3,000 |
| Electricity | $197 | $2,366 |
| Total | $3,037 | $36,444 |
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 |
|---|---|---|
| 2026-03-10 | Listed for sale | $449,000 |
View on Zillow