
135 OAK CIRCLE, INTERLACHEN, FL, 32148
Active12 days on marketListed Sep 30, 2026MLS #GC543872
About this home
135 OAK CIRCLE
RARE WATERFRONT LAND OPPORTUNITY IN INTERLACHEN! Discover the possibilities at 135 Oak Circle, a secluded waterfront parcel tucked away in the Ocklawaha Hills area of Putnam County. The recorded legal description reflects approximately 0.75 acres, more or less, with approximately 100 feet along the water-side boundary and direct access to the spring-fed lake bordering the property. Enjoy peaceful water views, mature natural surroundings and the privacy of a homesite set back from the roadway. Added value — Putnam County property records reflect an existing well and septic tank on the parcel, potentially saving a future owner significant infrastructure expense. The condition, functionality, permitting and suitability of the well and septic are unknown and should be independently verified by the buyer. The parcel does not have direct road frontage; however, historical recorded documents associated with the property include a 20-foot ingress and egress easement. Buyer should independently verify the current location, legal status, condition and usability of the easement through title examination and survey. Looking for even more possibilities? 133 Oak Circle, the adjoining improved property, is separately listed for sale by a different owner. Each property is separately owned and offered under a separate listing and transaction, providing an opportunity for a buyer interested in potentially acquiring both. Whether you're looking for a future homesite, recreational retreat or an opportunity to add to an adjoining property, 135 Oak Circle offers waterfront, privacy, well and septic reflected in county records, and a unique opportunity in Interlachen. Buyer to independently verify acreage/boundaries, access/easements, well and septic, utilities, zoning, permitted uses, buildability, wetlands, flood zone, water-body information and suitability for buyer's intended use.
Facts & features
The home at a glance
0.85 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.
$255 /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
$255/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 → $94K
Interlachen median sold, yr/yr
93.7%
Sale-to-list ratio (12 mo)
Median sold price, Interlachen, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 4% below the INTERLACHEN 32148 median. See the full Interlachen market guide →
Paper trail
This home's history
Reality check
What actually sold near 135 OAK CIRCLE
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$275,000
137 OAK CIRCLE
3 bd · 2 ba · 1,295 sqft · $212/sqft · 218 DOM
Sold · Nov ’25$210,000
111 JAMES AVENUE
4 bd · 2 ba · 1,560 sqft · $135/sqft · 5 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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 135 OAK CIRCLE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 135 OAK CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
135 OAK CIRCLE FAQs
What would the monthly payment be for 135 OAK CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $255/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 135 OAK CIRCLE?+
The most recent tax bill on record (2025) was $267. 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 $11,500, this home is listed about 95% below the Interlachen median of $244,450. The market section on this page shows how the area is trending.
Which schools are assigned to 135 OAK CIRCLE?+
Interlachen Junior-Senior High School (high), Ochwilla Elementary School (elementary) — Putnam County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 LIGHTHOUSE REALTY · Rachel Lloyd. MLS #GC543872.
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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