115 Flora Terrace, FL 32640, FL, 32640
Active306 days on marketListed Sep 21, 2025MLS #F10527776
About this home
115 Flora Terrace, FL 32640
The Properties Rarely hit the market, come see this one of Kind Lake Home. Enjoy some of the worlds bests sunsets with this 140 Feet of Lake Front at this secluded Cabin on George's Lake. Private dock & beautifully maintained lakefront property, centrally located between Palatka & Gainsville but also away from it all. The property is currently being used as a successful Vacation Rental as well as a family getaway to the Lake. A Royal Master Bathroom adds to the uniqueness of this house. The screened in Front Porch is a perfect way to watch the sunrise with your coffee.Detached 1-car garage (AC 2020, roof 2021)140’ of shoreline with renovated sea wall (right side)Dock entrance & lake steps rebuilt for easy accessRoof (2021), AC (2020)New septic tank & drain field
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,008
Sqft
0.37 ac
Lot size
1979
Year built
1
Levels
$422
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.
$3,283 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$3,283/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
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 115 Flora Terrace — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 115 Flora 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
115 Flora Terrace FAQs
What would the monthly payment be for 115 Flora Terrace, FL 32640?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,283/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 115 Flora Terrace, FL 32640?+
The most recent tax bill on record (2025) was $5,197. 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 115 Flora Terrace, FL 32640?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
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 Miami Association of REALTORS®.