
2774 140TH TERRACE, LAKE CITY, FL, 32024
Active181 days on marketListed Feb 5, 2026MLS #GC537133
About this home
2774 140TH TERRACE
Welcome to this spacious 3 bedroom, 2 bathroom double wide mobile home located at 2774 140th Terrace, Lake City, Florida, just inside Suwannee County. Sitting on 2.54 cleared acres, this property offers plenty of space, privacy, and flexibility for everyday living while still being close to town. Inside the home, you’ll find a split bedroom layout that provides privacy and comfort. The large master bedroom is located on one side of the home and includes a private master bathroom, making it a great retreat at the end of the day. The additional bedrooms and bathrooms are well-sized and offer room for family, guests, or home office space. The living room is large and open, creating a comfortable area for relaxing or spending time together. A wood-burning fireplace adds warmth and character, making the space feel cozy during cooler months. Step outside and enjoy both a covered front porch and a covered back porch, each offering plenty of room for seating, grilling, or enjoying the peaceful surroundings. The backyard is fully fenced, making it ideal for pets, children, or simply having your own private outdoor space. The 2.54-acre lot is cleared and usable, giving you room for gardening, outdoor projects, or future plans. The property also includes a 12’ x 23’ shed with power, perfect for storage, a workshop, or hobbies. Parking will never be an issue thanks to the large asphalt driveway that runs in front of the home and connects to the main road, along with a separate asphalt parking area on the side of the house that offers additional space for vehicles, trailers, or guests. This home is located in Flood Zone X according to Suwannee River Water Management, which can be a big advantage when considering insurance and long-term peace of mind. The location offers a great balance of quiet country living with convenient access to nearby towns, being approximately 17 minutes from Live Oak, 19 minutes from Lake City, and about one hour from Gainesville and Valdosta, Georgia. If you are looking for a mobile home for sale with acreage, a split floor plan, covered porches, a fenced yard, plenty of parking, and room to breathe while still being close to town then this property is worth seeing in person. Whether you are a first-time buyer, someone looking to downsize, or just want more space without giving up convenience, this Suwannee County home on 2.54 acres offers comfort, space, and value. Schedule your showing today and come see what this property has to offer. Also, the property next door can be purchased as well!!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,344
Sqft
2.54 ac
Lot size
1995
Year built
One
Levels
$149
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.
$1,575 /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
$1,575/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.
vs edgeAI estimate
−7.9%
$/sqft vs NONE
$149 vs $341
Days on market
181 vs 55 typical
Where $149/sqft sits among the 271 homes for sale in NONE
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 32024 — neighborhood snapshot
Population
20,644
Median age
44.2
Median income
$62,066
Median home value
$201,700
Avg household
2.6
Households w/ children
2,304
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 → $292K
Lake City median sold, yr/yr
95.7%
Sale-to-list ratio (12 mo)
106 of 271
NONE have cut their price
Median sold price, Lake City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 50% below the LAKE CITY 32024 median. See the full Lake City market guide →
Paper trail
This home's history
Reality check
What actually sold near 2774 140TH TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$450,000
8225 WAKEFORD ROAD · same community
3 bd · 2.5 ba · 1,339 sqft · $336/sqft · 10 DOM
Sold · Dec ’25$185,000
18350 NE 19TH COURT · same community
3 bd · 2 ba · 1,434 sqft · $129/sqft · 3 DOM
Sold · Jan ’26$295,000
404 S BLUE LAKE AVENUE · same community
3 bd · 2 ba · 1,465 sqft · $201/sqft · 51 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 2774 140TH TERRACE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2774 140TH 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
2774 140TH TERRACE FAQs
What would the monthly payment be for 2774 140TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,575/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 2774 140TH TERRACE?+
The most recent tax bill on record (2025) was $1,793. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Lake City?+
At $200,000, this home is listed about 50% below the Lake City median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2774 140TH 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
Three things that matter here
01Under the LAKE CITY 32024 market on paper
$200,000 is 50% below the LAKE CITY 32024 median of $396,075, and at $149/sqft it sits under the Lake City average of $208.
02Time on market is leverage
181 days on market against a Lake City median of 55 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Westside Elementary School, Columbia High School — Westside Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of SAUCER REALTY & CAPITAL · Ronald Carver. MLS #GC537133.
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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