1237 SW OLD LAKE CITY TERRACE, HIGH SPRINGS, FL, 32643
Active112 days on marketListed Apr 24, 2026MLS #GC539763
About this home
1237 SW OLD LAKE CITY TERRACE
This beautifully maintained 3-bedroom, 2-bath home is nestled in the southern part of Columbia County—just minutes from Fort White and High Springs, 25 minutes to Lake City, and 35 minutes to Gainesville. Featuring vaulted ceilings and an inviting living room with an electric fireplace, this home blends modern comfort with country charm. The master suite offers a spacious retreat with a large bathroom, dual-head walk-in shower, soaker tub and a split AC unit for personalized climate control. Safety and convenience are top priorities, with a concrete and rebar-reinforced storm room and a smart security system featuring integrated climate management. The kitchen is already piped for propane, giving you the option to easily convert to a gas stove. Major systems have been thoughtfully updated, including a new central AC (2023), roof (2024), and septic system (2020). The property also includes generator hookup outlet in the garage for added versatility. Out front, a mature apple-bearing tree and a natural ravine create a picturesque and serene landscape, while the home’s west-facing orientation allows you to enjoy breathtaking sunsets from the screened-in wraparound porches. The backyard features a spacious 50x40 enclosed building with 100-amp service, covered porches, and a half bath—perfect for entertaining, hobbies, or workshop use. An RV hookup with water, electric, and sewer connections adds even more flexibility. Seller willing to provide concessions towards paint with the right offer. This information is deemed reliable but is not guaranteed
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,268
Sqft
10.01 ac
Lot size
3
Garage
2002
Year built
One
Levels
$353
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.
$5,028 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,028/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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 High Springs actives
$353 vs $210
Days on market
112 vs 34 typical
Where $353/sqft sits among the 74 High Springs 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 High Springs
Get to know High Springs. See the full High Springs guide →
HIGH SPRINGS 32643 — neighborhood snapshot
Population
11,495
Median age
38.5
Median income
$69,871
Median home value
$254,900
Avg household
2.86
Households w/ children
1,364
For the school run
Alachua County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The High Springs market
$330K → $294K
High Springs median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
38 of 74
High Springs actives have cut their price
Median sold price, High Springs, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 154% above the HIGH SPRINGS 32643 median. See the full High Springs market guide →
Paper trail
This home's history
Reality check
What actually sold near 1237 SW OLD LAKE CITY TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$255,000
141 SE MAID MARION LANE
3 bd · 2 ba · 1,980 sqft · $129/sqft · 45 DOM
Sold · Nov ’25$217,900
20490 S US 441 HIGHWAY
3 bd · 2 ba · 1,904 sqft · $114/sqft · 158 DOM
Sold · Sep ’25$190,000
765 SE MAID MARION LANE
3 bd · 2 ba · 1,674 sqft · $114/sqft · 17 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 1237 SW OLD LAKE CITY TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1237 SW OLD LAKE CITY 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.
Straight answers
1237 SW OLD LAKE CITY TERRACE FAQs
What would the monthly payment be for 1237 SW OLD LAKE CITY TERRACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,028/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 1237 SW OLD LAKE CITY TERRACE?+
The most recent tax bill on record (2025) was $3,025. 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 High Springs?+
At $799,900, this home is listed about 113% above the High Springs median of $374,900. The market section on this page shows how the area is trending.
Which schools are assigned to 1237 SW OLD LAKE CITY TERRACE?+
High Springs Community School (elementary), Santa Fe High School (high) — Alachua County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$799,900 runs 154% above the HIGH SPRINGS 32643 median — but at 2,268 sqft it's also 29% larger than the typical High Springs listing.
02Time on market is leverage
112 days on market against a High Springs median of 34 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
High Springs Community School, Santa Fe High School — High Springs Community School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $864,000, now $799,900 — a $64K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Dakota Turner. MLS #GC539763.
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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