David Ramirez
$200,0003 bd2 ba1,344 sqft$149 /sqft$1,575 /mo all-in ↓

2774 140TH TERRACE, LAKE CITY, FL, 32024

Active181 days on marketListed Feb 5, 2026MLS #GC537133

Priced 50% below the LAKE CITY 32024 medianManufactured HomeNONE

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

FireplaceNegotiable

Inside

FlooringLuxury Vinyl
AppliancesDryer · Microwave · Refrigerator · Washer
InteriorCeiling Fan(s) · Window Treatments
LaundryLaundry Room
CoolingCentral Air
HeatingCentral
FurnishedNegotiable

Outside & construction

RoofMetal
ConstructionVinyl Siding
FoundationCrawlspace
FacesEast
ExteriorPrivate Entrance · Private Mailbox

Community & fees

Taxes (2025)$1,793/yr

Utilities & systems

UtilitiesBB/HS Internet Available · Electricity Connected · Private
WaterWell

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%

Principal & interest$1,177
FHA mortgage insurance (est.)$88
Property tax — 2025 actual bill$149
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $7,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $7,000
Interest rate6.00%
Loan term

Estimated payment

$1,575/mo

Principal & interest$1,177
FHA mortgage insurance (est.)$88
Property taxes (actual bill)$149
Est. insurance$160

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.

List $200K
$167KedgeAI estimate $217,151 · range $174K$268K$278K

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

147 · this home
60
21
15
10
18
$138–360$360–583$583–806$806–1028$1028–1251$1251+

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 2774 140TH TERRACE

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

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 marketBalanced6.7 months of inventoryBuyer’s 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

Feb 5, 2026Listed at $200,000 · 181 days on market since
1995Built · NONE

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.

8225 WAKEFORD ROADSold · Jun ’26

$450,000

8225 WAKEFORD ROAD · same community

3 bd · 2.5 ba · 1,339 sqft · $336/sqft · 10 DOM

18350 NE 19TH COURTSold · Dec ’25

$185,000

18350 NE 19TH COURT · same community

3 bd · 2 ba · 1,434 sqft · $129/sqft · 3 DOM

404 S BLUE LAKE AVENUESold · 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 2774 140TH TERRACE — start here.

Andrew Acosta

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.

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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.

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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