540 CITRUS DRIVE, INTERLACHEN, FL, 32148
Active668 days on marketListed Sep 23, 2024MLS #FC304086
About this home
540 CITRUS DRIVE
**Build Your Dream Home with Owner Financing – 540 Citrus Drive, Interlachen, FL** Discover the perfect opportunity to own land that offers a fantastic setting for your future home with the convenience of **owner financing available** for qualified buyers. - **Location:** 540 Citrus Drive, Interlachen, FL - **Close Proximity:** Just a short drive from the **University of Florida** in Gainesville and **Palatka**, providing access to shopping, dining, and recreational activities. - **Ideal for Building:** Perfect for a custom home in a peaceful neighborhood surrounded by nature. - **Lot Size:** Oversized .37 Acres This property offers a blend of tranquility and accessibility, making it an ideal choice for families, retirees, or investors. Let me know if you’d like any changes or additional details!
Facts & features
The home at a glance
0.37 ac
Lot size
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.
$280 /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
$280/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.
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)
Median sold price, Interlachen, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 40% above the INTERLACHEN 32148 median. See the full Interlachen 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 540 CITRUS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 540 CITRUS DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
540 CITRUS DRIVE FAQs
What would the monthly payment be for 540 CITRUS DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $280/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 540 CITRUS DRIVE?+
The most recent tax bill on record (2023) was $109. 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 Interlachen?+
At $17,500, this home is listed about 92% below the Interlachen median of $225,000. The market section on this page shows how the area is trending.
Which schools are assigned to 540 CITRUS DRIVE?+
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
Three things that matter here
01Positioned at the premium end
$17,500 runs 40% above the INTERLACHEN 32148 median.
02Time on market is leverage
668 days on market against a Interlachen median of 22 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $20,000, now $17,500 — a $3K cut. The full history is in the market section below.
Listing courtesy of BETTER HMS & GARDENS RE SYNERG · Jeanette Parker. MLS #FC304086.
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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