CENTURY 21 Edge
$234,990$239,9903 bd2 ba1,356 sqft$173 /sqft≈$2,111 /mo all-in ↓

237 NE GUM SWAMP ROAD, LAKE CITY, FL, 32055

Active77 days on marketListed Aug 21, 2026MLS #A4703626

✦ Priced 39% below the Lake City median✦ Reduced $5KSingle Family ResidenceTRIANGLE PARK

About this home

237 NE GUM SWAMP ROAD

Welcome to 237 NE Gum Swamp Road, Lake City, FL 32055 a beautifully refreshed 3-bedroom, 2-bathroom home that blends modern updates, comfortable living, and timeless charm. Thoughtfully updated from top to bottom, this move-in-ready property offers a bright, inviting atmosphere with fresh paint, new flooring, updated bathrooms, and stylish finishes throughout. Whether you are a first-time buyer, looking for more space, or searching for a home that is ready to enjoy without a long renovation list, this property is worth seeing. Step inside and discover a welcoming interior designed for everyday comfort and easy entertaining. The open concept layout creates a natural flow between the living, dining, and kitchen areas, allowing plenty of light and making the main living spaces feel spacious and connected. Fresh paint and new flooring provide a clean, contemporary backdrop while maintaining the home’s warm and approachable character. The kitchen serves as the heart of the home and has been updated with quartz countertops, generous cabinet storage, and a clean, modern design. The combination of attractive finishes and practical workspace makes this kitchen equally suited for preparing everyday meals, hosting friends, or gathering with family. The open connection to the adjoining living and dining areas keeps everyone connected while entertaining. The three bedrooms provide comfortable private spaces, while the two updated bathrooms add convenience and a refreshed modern feel. Each area has been thoughtfully improved to create a home that is attractive, functional, and ready for its next owner. With updates already completed, you can spend less time worrying about projects and more time enjoying your new home. Outside, the large fenced yard provides valuable private outdoor space with plenty of room for pets, gardening, play, entertaining, or simply relaxing. The fenced setting offers flexibility for a variety of lifestyles and gives you an opportunity to create your own outdoor retreat. A carport provides covered parking and convenient access to the home. Located in Lake City, this property offers the opportunity to enjoy the comfort of a refreshed home while being close to the everyday conveniences of the area. From the inviting interior to the spacious fenced yard, this home offers a combination of updates, functionality, and personality that is increasingly hard to find. Highlights include a 3-bedroom, 2-bathroom layout, fresh interior paint, new flooring, updated bathrooms, an updated kitchen with quartz countertops, ample cabinet space, an open living and dining arrangement, a large, fenced yard, and a covered carport. The thoughtful updates and versatile spaces make this property an excellent opportunity for anyone seeking a move-in-ready home with room to enjoy both inside and out. Don’t miss the opportunity! Come see the fresh finishes, comfortable layout, spacious yard, and charming details for yourself. Schedule your showing today and discover all this beautifully updated Lake City home has to offer! The home also offers flexible space for quiet evenings, casual gatherings, or celebrations. The fenced yard provides room to spread out, while neutral updates make it easy to bring your own style and furnishings. With modern improvements, practical features, and inviting outdoor space, this Lake City property is ready for its new owner. See it today and make this charming home yours

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,356

Sqft

0.28 ac

Lot size

2008

Year built

One

Levels

$173

Per sqft

Inside

FlooringCarpet · Laminate
AppliancesMicrowave · Range · Refrigerator
InteriorOpen Floorplan · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionConcrete · Wood Frame
FoundationSlab
FacesSoutheast
ExteriorNone

Community & fees

Taxes (2025)$2,805/yr

Utilities & systems

UtilitiesCable Available · Electricity Available · Electricity Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$2,111 /mo · 3.5% down FHA, 30-yr fixed at 7.5%

Principal & interest$1,613
FHA mortgage insurance (est.)$104
Property tax — 2025 actual bill$234
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $8,225Loan30-yr fixed at 7.5%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $8,225
Interest rate7.50%
Loan term

Estimated payment

$2,111/mo

Principal & interest$1,613
FHA mortgage insurance (est.)$104
Property taxes (actual bill)$234
Est. insurance$160

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.

Can I afford this home? → See what you can comfortably afford from your income, debts and savings.

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

$173 vs $180

Days on market

77 vs 83 typical

Where $173/sqft sits among the 61 Lake City actives

15
14 · this home
16
11
1
4
$111–145$145–178$178–211$211–244$244–277$277+

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.

The numbers that matter

The Lake City market

Seller’s marketBalanced — 6.0 months of inventoryBuyer’s market

$206K → $332K

Lake City median sold, yr/yr

95.5%

Sale-to-list ratio (12 mo)

35 of 61

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 39% below the Lake City median. See the full Lake City market guide →

Paper trail

This home's history

CurrentPrice reduced to $234,990 ▼ $5K
Aug 21, 2026Listed at $239,990 · 77 days on market since
2008Built · TRIANGLE PARK

Reality check

What actually sold near 237 NE GUM SWAMP ROAD

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

126 FRAZAR ROADSold · Nov ’25

$315,000

126 FRAZAR ROAD · same community

3 bd · 3 ba · 1,501 sqft · $210/sqft · 80 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.

Kathy Miller

Your agent

Kathy Miller

real estate agent · CENTURY 21 Edge

Tours, negotiation, and every question about 237 NE GUM SWAMP ROAD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 237 NE GUM SWAMP ROAD — before you fall in love.

See it in person

Schedule a tour

Live availability from Kathy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

237 NE GUM SWAMP ROAD FAQs

What would the monthly payment be for 237 NE GUM SWAMP ROAD?+

With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,111/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 237 NE GUM SWAMP ROAD?+

The most recent tax bill on record (2025) was $2,805. 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 $234,990, this home is listed about 39% below the Lake City median of $384,025. The market section on this page shows how the area is trending.

Listing courtesy of REALTY ONE GROUP MVP · Loukas Masouras. MLS #A4703626.

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.

Never miss a listing

New Lake City homes, in your inbox

Like 237 NE GUM SWAMP ROAD but not quite? A daily digest of every new listing in Lake City — straight from the MLS, hours after it goes live. Unsubscribe anytime.

By checking this box, I provide my prior express written consent to CENTURY 21 Edge, directly or through its affiliated real estate agents, to contact me at the telephone number(s) and email address I provide regarding my inquiry, real estate services, and marketing or promotional communications, including property listings, market updates, open houses, home value reports, and related real estate information. I authorize calls and text messages made using an automatic telephone dialing system or other automated technology and calls using prerecorded or artificial voice. I also consent to receive marketing and promotional emails. Consent is not a condition of purchasing any property, goods, or services. Message and data rates may apply. Message frequency varies. Reply STOP to opt out of text messages or HELP for help. I may unsubscribe from marketing emails using the unsubscribe link in any marketing email. I may revoke my consent to calls or text messages at any time using any reasonable method. Calls with CENTURY 21 Edge may be recorded. See our Privacy Policy, Terms of Use, and SMS Terms.

Just watching this one home? Ask Kathy to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated November 7, 2026 at 4:43 AM UTC. The listing information on this page last changed on November 7, 2026 at 4:43 AM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on November 7, 2026 at 4:43 AM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: November 7, 2026 at 4:43 AM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

237 NE Gum Swamp Road, Lake City, FL — 3 Bed 2 Bath for Sale