879 NW MILO TERRACE, LAKE CITY, FL, 32055
Active183 days on marketListed Jan 31, 2026MLS #A4680666
About this home
879 NW MILO TERRACE
Welcome to 879 NW Milo Ter, Lake City, FL 32055—a beautifully remodeled, peaceful retreat offering the perfect escape from city life. Nestled on over 5 acres in the quiet countryside of Columbia County, this charming 4-bedroom, 2.5-bath home blends modern comfort with serene rural living. Completely remodeled from top to bottom, this home features an open floor plan filled with natural light, creating a warm and inviting atmosphere throughout. The spacious layout is ideal for both everyday living and entertaining. The kitchen opens seamlessly to the family room and showcases an expansive center island, stainless steel appliances (included), and ample counter and cabinet space. Each bedroom is generously sized, offering flexibility for family, guests, or a home office. The primary suite provides comfort and privacy, while the additional bedrooms are bright and well-appointed. Outside, enjoy wide-open space, privacy, and endless possibilities—perfect for relaxing, gardening, or simply enjoying the quiet beauty of country living. If you’re seeking a beautiful and peaceful home away from the hustle and bustle, this move-in-ready property delivers space, style, and tranquility. Schedule your private showing today.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,832
Sqft
5.04 ac
Lot size
2
Garage
2010
Year built
Two
Levels
$210
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$4,113 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,113/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Lake City actives
$210 vs $184
Days on market
183 vs 38 typical
Where $210/sqft sits among the 63 Lake City actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Lake City
Get to know Lake City. See the full Lake City guide →
LAKE CITY 32055 — neighborhood snapshot
Population
16,792
Median age
36.6
Median income
$57,328
Median home value
$161,200
Avg household
2.52
Households w/ children
2,057
For the school run
Columbia County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lake City market
$285K → $385K
Lake City median sold, yr/yr
95.7%
Sale-to-list ratio (12 mo)
28 of 63
Lake City actives have cut their price
Median sold price, Lake City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 143% above the LAKE CITY 32055 median. See the full Lake City market guide →
Paper trail
This home's history
Reality check
What actually sold near 879 NW MILO TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$613,490
0 NW MILO TERRACE
4 bd · 3 ba · 2,378 sqft · $258/sqft · 65 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 879 NW MILO TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 879 NW MILO TERRACE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
879 NW MILO TERRACE FAQs
What would the monthly payment be for 879 NW MILO TERRACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,113/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 879 NW MILO TERRACE?+
The most recent tax bill on record (2025) was $6,299. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 879 NW MILO TERRACE?+
The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Lake City?+
At $593,990, this home is listed about 51% above the Lake City median of $392,525. The market section on this page shows how the area is trending.
Which schools are assigned to 879 NW MILO TERRACE?+
Westside Elementary School (elementary), Columbia High School (high) — Columbia County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$593,990 runs 143% above the LAKE CITY 32055 median — but at 2,832 sqft it's also 44% larger than the typical Lake City listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
183 days on market against a Lake City median of 38 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Westside Elementary School, Columbia High School — Westside Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $609,990, now $593,990 — a $16K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REALTY ONE GROUP MVP · Loukas Masouras. MLS #A4680666.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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