20480 COUNTY ROAD 137, LAKE CITY, FL, 32024
Active79 days on marketListed May 19, 2026MLS #GC540453
About this home
20480 COUNTY ROAD 137
Tucked away on 4 beautiful acres in North Florida, this 3BR/2BA well-maintained property offers the privacy and peaceful setting so many buyers are looking for. The land is partially cleared with scattered mature oak trees, established landscaping, and a picturesque setting that gives the property a true Old Florida feel. Enjoy quiet mornings and relaxing evenings from the large covered front and back porches overlooking the property. Located on a paved road, this property offers both convenience and country living. The clean and well cared for 3BR/2BA mobile home features a spacious layout with a large kitchen offering plenty of cabinet and counter space, a comfortable living room with a fireplace, and a split-bedroom floor plan. The home has been lovingly maintained and is move-in ready. Conveniently located just a short drive from downtown Lake City, shopping, restaurants, medical facilities, and everyday amenities while still offering the peace and privacy of acreage living. Outdoor lovers will appreciate being close to many of North Florida’s natural springs and rivers including Ichetucknee Springs State Park, Ginnie Springs, and the Suwannee River for boating, kayaking, tubing, and fishing. This property is the perfect combination of rural charm, convenience, and natural beauty.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,125
Sqft
4.05 ac
Lot size
1997
Year built
One
Levels
$209
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.
$1,721 /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
$1,721/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
$209 vs $184
Days on market
79 vs 55 typical
Where $209/sqft sits among the 62 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)
28 of 62
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 41% below the LAKE CITY 32024 median. See the full Lake City market guide →
Paper trail
This home's history
Reality check
What actually sold near 20480 COUNTY ROAD 137
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$345,000
3351 208TH STREET · same community
4 bd · 2 ba · 2,135 sqft · $162/sqft · 23 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 20480 COUNTY ROAD 137 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20480 COUNTY ROAD 137 — 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
20480 COUNTY ROAD 137 FAQs
What would the monthly payment be for 20480 COUNTY ROAD 137?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,721/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 20480 COUNTY ROAD 137?+
The most recent tax bill on record (2025) was $887. 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 $234,900, this home is listed about 41% below the Lake City median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 20480 COUNTY ROAD 137?+
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 32024 market on paper
$234,900 is 41% below the LAKE CITY 32024 median of $396,075.
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 $243,000, now $234,900 — a $8K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of GARRETT REALTY · Katie Garrett. MLS #GC540453.
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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