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280 NW Cutler Gln, Lake City, FL, 32055

4beds
3baths
2,142sqft
$394,000
$184price/sqft
$3,129/moest. monthly cost
$125,160/yrincome needed

About This Home

Turn-Key Luxury in Oak Meadow Plantation Remodeled on a Half-Acre with new roof and HVAC! Welcome home to Oak Meadow Plantation, one of the most desirable and established neighborhoods in Columbia County. Nestled on a spacious, beautifully landscaped half-acre lot, this stunning Lake City, FL home features a side-entry two-car garage and has been completely transformed from top to bottom. If you are looking for a truly move-in ready property with upscale finishes and total peace of mind, this is it! From the moment you step inside, you will notice the bright, fully remodeled interior. The home boasts brand-new, luxury tile flooring that runs seamlessly throughout the main living areas, creating a sophisticated, cohesive look designed to handle busy daily life with style. The heart of the home is a fully refreshed kitchen featuring a sleek, modern design. It comes well-equipped with updated cabinetry, stunning granite countertops, and a full suite of brand-new stainless steel appliances. Whether you are prepping casual weeknight meals or entertaining friends, this gourmet space delivers. Brand-New Roof: Enjoy immediate peace of mind, structural longevity, and substantial insurance savings from day one. Half-Acre Lot: Plenty of backyard space for a pool, a garden, or outdoor entertaining in a peaceful, quiet setting. Two-Car Garage: Offers plenty of parking space and extra storage.

Getting Around

18
WalkingCar-Dependent
0
TransitVery Limited Transit
51
BikeBikeable

Schools

8/10
4/10
Lake City Middle SchoolGrades 7-83.3 mi
3/10
Columbia High SchoolGrades PK,9-125.1 mi

Construction

Condition

  • Year built: 2003

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Frame Stucco

Type & Style

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

Interior

Appliances

  • Laundry features: Inside

Bedrooms & Bathrooms

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

Features

  • Fireplace,Granite Counters
  • Window features: Insulated Windows
  • Flooring: Tile
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 2,142
  • Total interior livable area: 2,142 sqft

Property

Details

  • Parcel number: 343S1602462208
  • Zoning: RSF

Features

  • Levels: One
  • Patio & porch: Screened,Rear Porch

Lot

  • Lot size: 0.53 Acres
  • Lot size dimensions: 0.53 acres

Parking

  • Total spaces: 2
  • Parking features: 2 Car,Garage,Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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
    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 $1,992$23,904
Home Insurance *$284$3,408
Property Taxes $638$7,656
Electricity $215$2,586
Total$3,129$37,548
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$107,280/yr
40% on housing$93,870/yr
45% on housing$83,440/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

$184This 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
2026-07-31Price change$394,000
2026-07-01Price change$399,000
2026-06-10Listed for sale$410,000
2026-01-29Sold$170,000
2026-01-21Pending sale$229,000
2026-01-18Listed for sale$229,000
2009-03-25Sold$245,000
2008-05-26Listing removed$274,900
2008-04-22Listed for sale$274,900
2003-10-14Sold$194,900
2003-04-28Sold$26,900

For Sale by Agent

AgentJohnathan Mathis
BrokeragePointer Properties

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