196 NW CLUBVIEW CIRCLE, LAKE CITY, FL, 32055
Active138 days on marketListed Mar 26, 2026MLS #GC538678
About this home
196 NW CLUBVIEW CIRCLE
One or more photo(s) has been virtually staged. !!!MOTIVATED SELLER!!! Welcome to your private retreat in the highly desirable Greater Country Club area of Lake City—where space, comfort, and lifestyle come together seamlessly. Location is everything—and this home delivers. Enjoy quick access to an 18-hole golf course just moments away, along with top-rated healthcare, shopping, dining, and entertainment all within minutes. With I-75 Exit 427 only five minutes from your doorstep, commuting to major cities like Orlando, Tampa, Miami, and Atlanta is incredibly convenient. This expansive 4-bedroom, 3-bath residence is thoughtfully designed for both everyday living and grand entertaining. From the moment you arrive, the home makes a lasting impression with its stately entrance framed by soaring palm trees, evoking the elegance of a villa or private estate. Inside, you’ll find a well-planned layout that offers distinct, functional spaces for every aspect of modern living. The oversized primary kitchen features ample workspace and a cozy eat-in breakfast area. A secondary cooking space in the massive Florida room creates an exceptional setup for hosting large gatherings and celebrations with ease. The adjoining media room adds yet another dimension—ideal for movie nights, game days, or simply unwinding. Natural light pours in through numerous sliding windows, enhancing the airy, open feel throughout the home. Granite and marble tile flooring not only elevates the interior aesthetic but also ensures low-maintenance, long-lasting durability. Each bedroom is a private haven, complete with closets lined in sandalwood panels that provide a subtle, natural fragrance and a touch of luxury. Built with solid concrete block construction reinforced with rebar, this home offers peace of mind along with enduring quality. The property is equipped with city water for household use and well water for efficient yard irrigation. Best of all, with no HOA restrictions, you have the freedom to bring your lifestyle with you—whether that includes RVs, boats, or other recreational vehicles. This is more than a home—it’s a statement of space, comfort, and freedom.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,150
Sqft
0.47 ac
Lot size
2001
Year built
One
Levels
$138
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.
$3,133 /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
$3,133/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
$138 vs $197
Days on market
138 vs 55 typical
Where $138/sqft sits among the 58 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)
26 of 58
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 142% 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 196 NW CLUBVIEW 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 · Sep ’25$238,000
156 SW DOE GLEN
5 bd · 2 ba · 2,052 sqft · $116/sqft · 32 DOM
Sold · Nov ’25$365,000
136 SW GRAND MAGNOLIA GLEN
3 bd · 2 ba · 1,505 sqft · $243/sqft · 125 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 196 NW CLUBVIEW CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 196 NW CLUBVIEW 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
196 NW CLUBVIEW CIRCLE FAQs
What would the monthly payment be for 196 NW CLUBVIEW CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,133/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 196 NW CLUBVIEW CIRCLE?+
The most recent tax bill on record (2025) was $2,633. 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 $434,990, this home is listed about 9% above the Lake City median of $399,900. The market section on this page shows how the area is trending.
Which schools are assigned to 196 NW CLUBVIEW 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
$434,990 runs 142% above the LAKE CITY 32055 median — but at 3,150 sqft it's also 51% larger than the typical Lake City listing.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Time on market is leverage
138 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 $519,990, now $434,990 — a $85K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PEPINE REALTY · Chirayu Patel. MLS #GC538678.
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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