1638 SW KING STREET, LAKE CITY, FL, 32024
Active42 days on marketListed Jun 29, 2026MLS #GC539237
About this home
1638 SW KING STREET
Welcome home to this beautifully updated 3-bedroom, 2.5-bath home situated on 2.5 fully fenced acres in Columbia County. Offering 2,090 heated square feet (2,567 total), this split-bedroom floor plan features an open-concept kitchen and family room centered around a cozy gas fireplace—perfect for everyday living and entertaining. The spacious approximately 32’ x 22’ primary suite addition provides a true owner’s retreat with a large walk-in closet and an oversized en-suite bath featuring a walk-in shower. The guest bath and half bath have been completely remodeled, and luxury vinyl plank flooring flows throughout the entire home. Additional upgrades include insulated windows, a roof replaced approximately 5 years ago, and a 22’ x 30’ detached shed with a concrete floor, ideal for a workshop, storage, hobbies, or equipment. Served by Clay Electric, this property offers the privacy of country living while remaining convenient to shopping, dining, schools, and I-75. A rare opportunity to own an updated home with room to spread out and enjoy the outdoors! "Information deemed reliable but not guaranteed. Buyer and agent to verify all measurements, square footage, and property details."
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,090
Sqft
2.5 ac
Lot size
1976
Year built
One
Levels
$191
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.
$2,844 /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
$2,844/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
$191 vs $197
Days on market
42 vs 55 typical
Where $191/sqft sits among the 60 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 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 → $262K
Lake City median sold, yr/yr
95.7%
Sale-to-list ratio (12 mo)
27 of 60
Lake City actives have cut their price
Median sold price, Lake City, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 1638 SW KING STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$362,500
34811 APPALOOSA TRAIL · same community
4 bd · 2 ba · 1,820 sqft · $199/sqft · 57 DOM
Sold · May ’26$570,000
17055 SWEETWATER ROAD · same community
4 bd · 2 ba · 2,616 sqft · $218/sqft · 32 DOM
Sold · Jun ’26$170,000
3804 PINTO LANE · same community
3 bd · 2 ba · 1,404 sqft · $121/sqft · 7 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 1638 SW KING STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1638 SW KING 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
1638 SW KING STREET FAQs
What would the monthly payment be for 1638 SW KING STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,844/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 1638 SW KING STREET?+
The most recent tax bill on record (2025) was $1,838. 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 $399,900, this home is priced right at the Lake City median.
Which schools are assigned to 1638 SW KING STREET?+
Westside Elementary School (elementary), Columbia High School (high) — Columbia County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of WATSON REALTY CORP- TIOGA · Miles Patterson. MLS #GC539237.
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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