228 SE OAK HILL STREET, LAKE CITY, FL, 32025
Active135 days on marketListed Apr 2, 2026MLS #GC539077
About this home
228 SE OAK HILL STREET
Discover a fantastic opportunity with this turn-key, spacious 4-bedroom, 2-bath home designed for comfort, flexibility, and modern living. Generous gathering areas and a cozy family room make it easy to relax or entertain, while the well-appointed laundry room and abundant storage keep everything running smoothly. The open kitchen includes an inviting eat-in breakfast area, perfect for casual meals, morning coffee, or catching up with friends and family. The versatile fourth bedroom offers exceptional potential. The private in-law suite can double as a short-term rental for added income and features its own entrance, coded lock doors, and a bathroom with a relaxing jacuzzi tub. Step into the fenced backyard and enjoy a gardener’s paradise with raised beds, a dedicated herb garden, a metal shed with dual compost bins, and established fruit trees including figs, Meyer lemons, blueberries, a young grapefruit tree, and blackberry bushes. The front yard is beautifully landscaped with vibrant flowers, creating a warm and colorful welcome every time you come home. This home truly has to be seen to be appreciated. Don’t wait—schedule your private showing today and experience everything it has to offer. And with the new Eastside Elementary School just around the corner, convenience is right at your doorstep.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,611
Sqft
0.21 ac
Lot size
1963
Year built
One
Levels
$164
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.
$1,920 /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
$1,920/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
$164 vs $197
Days on market
135 vs 57 typical
Where $164/sqft sits among the 57 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 32025 — neighborhood snapshot
Population
23,268
Median age
39.5
Median income
$47,074
Median home value
$184,900
Avg household
2.35
Households w/ children
2,322
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)
25 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 26% below the LAKE CITY 32025 median. See the full Lake City market guide →
Paper trail
This home's history
Reality check
What actually sold near 228 SE OAK HILL STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$535,000
11149 OAKSHORE LANE · same community
4 bd · 3 ba · 2,430 sqft · $220/sqft · 128 DOM
Sold · Jan ’26$675,000
11129 OAKSHORE LANE · same community
5 bd · 3.5 ba · 2,838 sqft · $238/sqft · 56 DOM
Sold · May ’26$625,000
11106 OAKSHORE LANE · same community
4 bd · 4 ba · 2,873 sqft · $218/sqft · 9 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 228 SE OAK HILL STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 228 SE OAK HILL STREET — 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
228 SE OAK HILL STREET FAQs
What would the monthly payment be for 228 SE OAK HILL STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,920/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 228 SE OAK HILL STREET?+
The most recent tax bill on record (2025) was $997. 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 $264,900, this home is listed about 34% below the Lake City median of $399,450. The market section on this page shows how the area is trending.
Which schools are assigned to 228 SE OAK HILL STREET?+
Columbia High School (high), Eastside Elementary School (elementary) — 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 32025 market on paper
$264,900 is 26% below the LAKE CITY 32025 median of $359,000, and at $164/sqft it sits under the Lake City average of $214.
02Time on market is leverage
135 days on market against a Lake City median of 57 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $269,000, now $264,900 — a $4K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA'S CHOICE REALTY · Shelley Doolity. MLS #GC539077.
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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