479 NW SAVANNAH CIRCLE, LAKE CITY, FL, 32055
Active227 days on marketListed Dec 26, 2025MLS #GC536144
About this home
479 NW SAVANNAH CIRCLE
3BR/2BA home with bonus room located in Lake City, FL, offered at $454,000. Split bedroom floor plan with spacious living area and functional kitchen offering ample cabinet and counter space. Bonus room provides flexibility for office, gym, or playroom. Primary suite features an en-suite bath and walk-in closet. Two additional bedrooms share a full bath. Situated near a peaceful pond with convenient access to shopping, dining, schools, and major roadways. Schedule your tour today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,597
Sqft
0.9 ac
Lot size
2
Garage
2022
Year built
One
Levels
$175
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 and the real association fee — not generic estimates.
$3,567 /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
$3,567/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.
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
$175 vs $197
Days on market
227 vs 55 typical
Where $175/sqft sits among the 60 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
$325K → $262K
Lake City median sold, yr/yr
95.7%
Sale-to-list ratio (12 mo)
28 of 60
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 153% 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 479 NW SAVANNAH CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$380,000
4509 NW WISTERIA DRIVE
4 bd · 3.5 ba · 2,500 sqft · $152/sqft · 110 DOM
Sold · Dec ’25$670,000
148 NW HORIZON STREET
4 bd · 2.5 ba · 2,492 sqft · $269/sqft · 163 DOM
Sold · Dec ’25$399,900
375 SW ROSEMARY DRIVE
4 bd · 2 ba · 2,311 sqft · $173/sqft · 217 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 479 NW SAVANNAH CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 479 NW SAVANNAH CIRCLE — 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
479 NW SAVANNAH CIRCLE FAQs
What would the monthly payment be for 479 NW SAVANNAH CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,567/mo — principal and interest, the actual property-tax bill, the $42/mo association fee 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.
How much are the HOA fees at 479 NW SAVANNAH CIRCLE?+
The association fee works out to $42 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 479 NW SAVANNAH CIRCLE?+
The most recent tax bill on record (2025) was $5,903. 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 479 NW SAVANNAH CIRCLE?+
The listing reports pets: Yes. 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 $454,000, this home is listed about 14% above the Lake City median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 479 NW SAVANNAH CIRCLE?+
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
$454,000 runs 153% above the LAKE CITY 32055 median — but at 2,597 sqft it's also 25% larger than the typical Lake City listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
227 days on market against a Lake City median of 55 — 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 $525,000, now $454,000 — a $71K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ARIUM REAL ESTATE, LLC · Karisma Welcome. MLS #GC536144.
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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