1146 SW MANDIBA DRIVE, LAKE CITY, FL, 32024
Active92 days on marketListed May 14, 2026MLS #GC540197
About this home
1146 SW MANDIBA DRIVE
Calling all horse lovers! Experience luxury living and peaceful North Florida charm in this exceptional 4-bedroom, 3-bath custom home situated on a beautifully landscaped 1-acre lot in the highly sought-after equestrian community of The Oaks in Lake City. Built with quality craftsmanship and loaded with upgrades, this stunning residence offers the perfect blend of elegance, comfort, and functionality. From the moment you enter the inviting foyer, you are welcomed into a spacious great room featuring a tray ceiling, expansive windows, and an abundance of natural light that creates a warm and inviting atmosphere. The open-concept kitchen is designed to impress with a large quartz-topped island, subway tile backsplash, smooth-top range and oven, spacious breakfast nook, oversized dining area, custom walk-in pantry, and abundant cabinetry ideal for both entertaining and everyday living. The thoughtfully designed split floor plan offers privacy and flexibility, including a tucked-away fourth bedroom perfect for guests, a home office, den, or flex space. Hidden barn doors connecting two bedrooms and a bathroom, add charm and character to the home’s design. The luxurious owner’s suite serves as a true retreat with a spa-inspired bathroom featuring dual vanities, a standalone soaking tub, oversized walk-in tiled shower, and a custom California-style walk-in closet complete with built-in shelving and laundry hamper. Additional interior features include remote-controlled ceiling fans throughout, a spacious laundry room with utility sink and large storage closet, pull-down attic access, AT&T Fiber internet, Culligan water system, hot water recirculation pump, and a whole-house Generac generator for added convenience and peace of mind. Step outside into your private backyard oasis featuring a screened covered porch with paver flooring, heated saltwater pool and spa, app-controlled pool system, paver walkways, and a fully fenced backyard with durable horse board fencing. Enjoy the beauty and serenity of nature with riding trails located directly behind the property. The Oaks is a premier equestrian-friendly community offering riding trails throughout the neighborhood along with community stables and boarding facilities conveniently located within the community. Residents also enjoy scenic green spaces, riding arenas, dressage areas, round pens, and exceptional equestrian amenities designed for a variety of riding disciplines. Conveniently located near shopping, dining, medical facilities, and major roadways, this remarkable property offers luxury, privacy, and an exceptional lifestyle all in one extraordinary package.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,818
Sqft
1.03 ac
Lot size
2
Garage
2022
Year built
One
Levels
$231
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 and the real association fee — not generic estimates.
$4,389 /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
$4,389/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 Lake City actives
$231 vs $190
Days on market
92 vs 56 typical
Where $231/sqft sits among the 59 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 → $292K
Lake City median sold, yr/yr
95.7%
Sale-to-list ratio (12 mo)
27 of 59
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 65% above the LAKE CITY 32024 median. See the full Lake City market guide →
Paper trail
This home's history
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 1146 SW MANDIBA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1146 SW MANDIBA DRIVE — 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
1146 SW MANDIBA DRIVE FAQs
What would the monthly payment be for 1146 SW MANDIBA DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,389/mo — principal and interest, the actual property-tax bill, the $21/mo association fee 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.
How much are the HOA fees at 1146 SW MANDIBA DRIVE?+
The association fee works out to $21 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1146 SW MANDIBA DRIVE?+
The most recent tax bill on record (2025) was $5,484. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 1146 SW MANDIBA DRIVE?+
The listing reports pets: Cats OK, Dogs OK, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Lake City?+
At $650,000, this home is listed about 63% above the Lake City median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1146 SW MANDIBA DRIVE?+
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
Four things that matter here
01Positioned at the premium end
$650,000 runs 65% above the LAKE CITY 32024 median — but at 2,818 sqft it's also 36% larger than the typical Lake City listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Strong assigned schools
Westside Elementary School, Columbia High School — Westside Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $700,000, now $650,000 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FIRST CHOICE REALTY OF NORTH FLORIDA LLC · Dawn Johnson. MLS #GC540197.
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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