David Ramirez
$925,000$975,0005 bd4.5 ba3,824 sqft$242 /sqft$5,900 /mo all-in ↓

163 NW AMBER COURT, LAKE CITY, FL, 32055

Active202 days on marketListed Jan 28, 2026MLS #GC536542

Reduced $50KSingle Family ResidenceCOBBLESTONE

About this home

163 NW AMBER COURT

Tucked away at the end of a quiet, private cul-de-sac, this remarkable estate offers an exceptional blend of space, privacy, and flexibility—an increasingly rare find with ideal accommodations for multi-generational living. Situated on 4 scenic acres, with approximately half already cleared, the property provides a tranquil, park-like setting where deer are frequent visitors, creating a peaceful connection to nature right outside your door. Inside, the main residence welcomes you with soaring 12-foot ceilings, rich hardwood and tile flooring throughout, and a warm gas fireplace that anchors the living space. A premium surround-sound system with built-in acoustic panels enhances the ambiance, making the home ideal for both everyday comfort and memorable entertaining. The thoughtfully designed layout includes 3 bedrooms plus a dedicated office and 3 full bathrooms, offering flexibility for working from home, hosting guests, or supporting extended family living arrangements. The primary suite is truly one of a kind, designed as a private retreat with an impressive his-and-her configuration featuring dual sinks, two toilets, two closets, and separate entrances to an oversized walk-through shower—an uncommon luxury that elevates daily living. A key highlight of the property is its multi-generational living capability, featuring an additional living space with its own garage access—perfect for extended family, long-term guests, or private quarters for independent living while still maintaining close connection to the main home. The 3-car garage plus the additional garage/workshop space with its own half bath provides flexibility for hobbies, storage, or separate workspace needs. For RV owners or adventure seekers, the 40' x 16' RV pole barn with 50-amp service provides the convenience and capacity to accommodate larger recreational vehicles with ease. Both kitchens and all bathrooms showcase all-wood custom cabinetry paired with solid-surface countertops, delivering durability and timeless appeal. One of the property’s most impressive features is the expansive screened porch—among the largest in the county—where you can unwind beneath the shade of majestic Live Oaks while enjoying peaceful views of the surrounding acreage. Offering an ideal balance of comfort, privacy, and versatility, this distinctive property presents a rare opportunity for multi-generational living, combining independent space with the warmth of shared surroundings—allowing everyone room to breathe, grow, and truly enjoy country living at its finest.

Facts & features

The home at a glance

5

Bedrooms

4.5

Bathrooms

3,824

Sqft

4.12 ac

Lot size

4

Garage

2006

Year built

One

Levels

$242

Per sqft

FireplaceTrees/Woods viewPets allowed

Inside

FlooringEngineered Hardwood · Tile
AppliancesElectric Water Heater · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Thermostat · Tray Ceiling(s) · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air
HeatingElectric

Outside & construction

RoofShingle
ConstructionBrick · Stucco
FoundationSlab
ViewTrees/Woods
FacesSouthwest
ParkingBath In Garage · Circular Driveway · Garage Door Opener · Garage Faces Side · RV Carport · RV Parking · Workshop in Garage
ExteriorFrench Doors · Irrigation System · Lighting · Private Yard · RV Hookup

Community & fees

HOA fee$50/mo
Taxes (2025)$4,224/yr
PetsYes

Utilities & systems

UtilitiesElectricity Connected · Propane · Sprinkler Well
WaterWell

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.

$5,900 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,991
PMI (est., until 20% equity)$347
Property tax — 2025 actual bill$352
HOA fee — from the listing$50
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $92,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $92,500
Interest rate6.00%
Loan term

Estimated payment

$5,900/mo

Principal & interest$4,991
PMI (est., until 20% equity)$347
Property taxes (actual bill)$352
HOA / condo fee$50
Est. insurance$160

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

$242 vs $190

Days on market

202 vs 63 typical

Where $242/sqft sits among the 57 Lake City actives

17
20
15 · this home
2
0
3
$112–159$159–206$206–253$253–300$300–348$348+

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

Map of 163 NW AMBER COURT

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

ElementaryWestside Elementary School★★★★
HighColumbia High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Lake City market

Seller’s marketBalanced5.9 months of inventoryBuyer’s market

$325K$292K

Lake City median sold, yr/yr

95.7%

Sale-to-list ratio (12 mo)

26 of 57

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 415% above the LAKE CITY 32055 median. See the full Lake City market guide →

Paper trail

This home's history

CurrentPrice reduced to $925,000 $50K
Jan 28, 2026Listed at $975,000 · 202 days on market since
2006Built · COBBLESTONE

Reality check

What actually sold near 163 NW AMBER COURT

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

3082 ADAMS CROSS DRIVESold · Feb ’26

$455,230

3082 ADAMS CROSS DRIVE · same community

5 bd · 3 ba · 3,531 sqft · $129/sqft · 77 DOM

3312 FALL HARVEST DRIVESold · Aug ’25

$523,699

3312 FALL HARVEST DRIVE · same community

5 bd · 4 ba · 3,531 sqft · $148/sqft · 40 DOM

3114 FALL HARVEST DRIVESold · Jan ’26

$450,000

3114 FALL HARVEST DRIVE · same community

5 bd · 3 ba · 3,531 sqft · $127/sqft · 31 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 163 NW AMBER COURT — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 163 NW AMBER COURT — 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.

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Straight answers

163 NW AMBER COURT FAQs

What would the monthly payment be for 163 NW AMBER COURT?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,900/mo — principal and interest, the actual property-tax bill, the $50/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 163 NW AMBER COURT?+

The association fee works out to $50 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 163 NW AMBER COURT?+

The most recent tax bill on record (2025) was $4,224. 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 163 NW AMBER COURT?+

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 $925,000, this home is listed about 132% above the Lake City median of $399,450. The market section on this page shows how the area is trending.

Which schools are assigned to 163 NW AMBER COURT?+

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

$925,000 runs 415% above the LAKE CITY 32055 median — but at 3,824 sqft it's also nearly twice the size of 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

202 days on market against a Lake City median of 63 — 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 $975,000, now $925,000 — a $50K cut. The full history is in the market section below.

Listing courtesy of BOSSHARDT REALTY SERVICES LLC · Kristine Wendig. MLS #GC536542.

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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