873 SW TROY STREET, LAKE CITY, FL, 32024
Active168 days on marketListed Feb 24, 2026MLS #OM719385
About this home
873 SW TROY STREET
Hard to find location PAVED ROAD FRONTAGE 2 private acres with Fruit trees and beautiful mature landscaping SURROUNDED by larger parcels makes this setting tranquil but with a short drive to Shopping, restaurants and more. Do not follow gps property is on paved road! Updated Classic Brick home with nearly new metal roof for easy maintenance and low utility bills. Stunning kitchen with granite counters and upgraded cabinets, center aisle . . Summer Kitchen and workshop Whole house generator Huge great room with fireplace plus enclosed sun room with views of nature and sometimes wild life.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,202
Sqft
2 ac
Lot size
2
Garage
1988
Year built
One
Levels
$213
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.
$3,332 /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
$3,332/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 NON SUB
$213 vs $294
Days on market
168 vs 55 typical
Where $213/sqft sits among the 13 homes for sale in NON SUB
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 → $262K
Lake City median sold, yr/yr
95.7%
Sale-to-list ratio (12 mo)
8 of 13
NON SUB have cut their price
Median sold price, Lake City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 20% above the LAKE CITY 32024 median. See the full Lake City market guide →
Paper trail
This home's history
Reality check
What actually sold near 873 SW TROY STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$600,000
18585 N HIGHWAY 329 · same community
3 bd · 2 ba · 2,108 sqft · $285/sqft · 13 DOM
Sold · Dec ’25$445,000
237 LITTLE ORANGE CREEK ROAD · same community
3 bd · 2 ba · 2,066 sqft · $215/sqft · 78 DOM
Sold · Aug ’25$405,000
7651 SE 36TH AVENUE · same community
3 bd · 2 ba · 2,022 sqft · $200/sqft · 119 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 873 SW TROY STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 873 SW TROY STREET — 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
873 SW TROY STREET FAQs
What would the monthly payment be for 873 SW TROY STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,332/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 873 SW TROY STREET?+
The most recent tax bill on record (2025) was $2,377. 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 $469,900, this home is listed about 18% above the Lake City median of $399,900. The market section on this page shows how the area is trending.
Which schools are assigned to 873 SW TROY STREET?+
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
$469,900 runs 20% above the LAKE CITY 32024 median.
02Time on market is leverage
168 days on market against a Lake City median of 55 — sellers in this position are usually ready to negotiate.
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 $585,000, now $469,900 — a $115K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RHONDA LINDSEY REALTY · Rhonda Lindsey. MLS #OM719385.
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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