872 LAKE SHORE TERRACE, INTERLACHEN, FL, 32148
Active195 days on marketListed Jan 20, 2026MLS #OM717065
About this home
872 LAKE SHORE TERRACE
Beautiful lake front cottage in heart of Florida! Located on Clearwater Lake in Interlachen, this 3 bedroom 1 bath, 1486 square foot home is a perfect lake retreat or VACATION RENTAL. The interior has been recently painted and new vinyl floors have also been added. A brand new BOSCH AC unit was installed as well all the air ducts replaced. The kitchen, featuring stainless steel appliances, opens up to the cozy great room. There is also a Florida Room that overlooks the lake for those gorgeous mornings. The backyard is FULLY FENCED for the doggos. And with a METAL ROOF, this one is move in ready and is available to help you build new dreams!
Facts & features
The home at a glance
3
Bedrooms
1
Bathrooms
1,486
Sqft
0.34 ac
Lot size
1963
Year built
One
Levels
$168
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.
$1,921 /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
$1,921/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 Interlachen actives
$168 vs $156
Days on market
195 vs 22 typical
Where $168/sqft sits among the 25 Interlachen 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 Interlachen
Get to know Interlachen. See the full Interlachen guide →
INTERLACHEN 32148 — neighborhood snapshot
Population
11,580
Median age
42.9
Median income
$45,320
Median home value
$87,800
Avg household
2.5
Households w/ children
1,389
For the school run
Putnam County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Interlachen market
$145K → $152K
Interlachen median sold, yr/yr
94.8%
Sale-to-list ratio (12 mo)
14 of 25
Interlachen actives have cut their price
Median sold price, Interlachen, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1899% above the INTERLACHEN 32148 median. See the full Interlachen market guide →
Paper trail
This home's history
Reality check
What actually sold near 872 LAKE SHORE 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 ’25$169,500
149 ST. LUCIE AVENUE
3 bd · 2 ba · 1,404 sqft · $121/sqft · 24 DOM
Sold · Jul ’26$97,500
240 KITTY AVENUE
3 bd · 2 ba · 1,200 sqft · $81/sqft · 135 DOM
Sold · Dec ’25$194,000
606 OFARRELL AVENUE
3 bd · 2 ba · 1,200 sqft · $162/sqft · 138 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 872 LAKE SHORE TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 872 LAKE SHORE 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
872 LAKE SHORE TERRACE FAQs
What would the monthly payment be for 872 LAKE SHORE TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,921/mo — principal and interest, the actual property-tax bill, the $4/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 872 LAKE SHORE TERRACE?+
The association fee works out to $4 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 872 LAKE SHORE TERRACE?+
The most recent tax bill on record (2025) was $2,109. 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 872 LAKE SHORE TERRACE?+
The listing reports pets: 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 Interlachen?+
At $249,900, this home is listed about 11% above the Interlachen median of $225,000. The market section on this page shows how the area is trending.
Which schools are assigned to 872 LAKE SHORE TERRACE?+
Robert H. Jenkins Junior Elementary School (elementary), Interlachen Junior-Senior High School (high) — Putnam 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
$249,900 runs 1899% above the INTERLACHEN 32148 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
195 days on market against a Interlachen median of 22 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $265,000, now $249,900 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL REALTY SOLD GUARANTEE · Scott Coldwell. MLS #OM717065.
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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