552 NE GURLEY AVENUE, LAKE CITY, FL, 32055
Active111 days on marketListed Apr 20, 2026MLS #GC539604
About this home
552 NE GURLEY AVENUE
"PRICE CUT, SELLER MUST SELL". Buyer/Builder alert. An almost quarter of an acre buildable lot in NE Lake City neighborhood. Asphalt roads, walking distance to Niblack Elementary School and less than a mile from downtown Lake City. Walking distance to the Annie Mattox recreation center. A family friendly community. The seller is offering owner financing with $5,000 down payment, 6% interest for 36 months. Drive by, take a look, walk around and then call. Great opportunity for those looking for a place for their forever home.
Facts & features
The home at a glance
0.24 ac
Lot size
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.
$267 /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
$267/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.
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)
Median sold price, Lake City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 94% below the LAKE CITY 32055 median. See the full Lake City market guide →
Paper trail
This home's history
Reality check
What actually sold near 552 NE GURLEY AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$84,000
689 SE DADE STREET
2 bd · 1 ba · 616 sqft · $136/sqft · 0 DOM
Sold · Mar ’26$23,500
148 NE WILLIAMS STREET
3 bd · 1 ba · 800 sqft · $29/sqft · 242 DOM
Sold · Jul ’26$168,000
396 NW HILLSBORO STREET
2 bd · 1 ba · 1,128 sqft · $149/sqft · 102 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 552 NE GURLEY AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 552 NE GURLEY AVENUE — 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
552 NE GURLEY AVENUE FAQs
What would the monthly payment be for 552 NE GURLEY AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $267/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 552 NE GURLEY AVENUE?+
The most recent tax bill on record (2025) was $178. 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 $14,500, this home is listed about 96% 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 552 NE GURLEY AVENUE?+
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 32055 market on paper
$14,500 is 94% below the LAKE CITY 32055 median of $244,900.
02Strong assigned schools
Westside Elementary School, Columbia High School — Westside Elementary School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $19,900, now $14,500 — a $5K cut. The full history is in the market section below.
Listing courtesy of WATSON REALTY CORP · Jesse Whitfield. MLS #GC539604.
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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