862 NE COLDWATER AVENUE, LAKE CITY, FL, 32055
Active26 days on marketListed Aug 25, 2026MLS #OM730612
About this home
862 NE COLDWATER AVENUE
Welcome to this 2-bedroom, 2-bath manufactured home located in Lake City, Florida 32055, offering an excellent opportunity for a first-time homebuyer, retiree, investor, or anyone looking for an affordable primary residence in beautiful North Florida. The home features a comfortable and functional floor plan with two bedrooms and two full bathrooms, providing flexibility for everyday living, guests, a home office, or additional family space. Enjoy the relaxed lifestyle Lake City is known for while remaining conveniently located near local elementary schools, shopping, restaurants, medical services, and everyday necessities. The property also offers convenient access to the greater Lake City area and major North Florida transportation routes. Lake City provides the perfect combination of small-town charm and accessibility, surrounded by the natural beauty of North Central Florida while still offering the conveniences needed for daily living. Whether you are searching for your first home, downsizing, purchasing an investment property, or looking for an affordable Florida residence, this 2-bedroom, 2-bath manufactured home is an opportunity worth considering. A quieter Florida lifestyle. Schedule your showing and come see the possibilities this property has AVAILABLE !
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
728
Sqft
0.13 ac
Lot size
2026
Year built
One
Levels
$242
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.
$1,342 /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
$1,342/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 Lake City actives
$242 vs $190
Days on market
26 vs 72 typical
Where $242/sqft sits among the 61 Lake City 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 Lake City
Get to know Lake City. See the full Lake City guide →
LAKE CITY 32055 — neighborhood snapshot
Population
16,792
Median age
36.6
Median income
$57,328
Median home value
$161,200
Avg household
2.52
Households w/ children
2,057
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 → $292K
Lake City median sold, yr/yr
95.7%
Sale-to-list ratio (12 mo)
31 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 41% below the LAKE CITY 32055 median. See the full Lake City market guide →
Paper trail
This home's history
Reality check
What actually sold near 862 NE COLDWATER AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$23,500
148 NE WILLIAMS STREET
3 bd · 1 ba · 800 sqft · $29/sqft · 242 DOM
Sold · Oct ’25$84,000
689 SE DADE STREET
2 bd · 1 ba · 616 sqft · $136/sqft · 0 DOM
Sold · Sep ’25$174,900
2206 N US HIGHWAY 441
3 bd · 2 ba · 1,050 sqft · $167/sqft · 0 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
Anthony Richardson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 862 NE COLDWATER AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 862 NE COLDWATER AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Anthony's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
862 NE COLDWATER AVENUE FAQs
What would the monthly payment be for 862 NE COLDWATER AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,342/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 862 NE COLDWATER AVENUE?+
The most recent tax bill on record (2025) was $815. 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 $175,999, this home is listed about 56% below the Lake City median of $403,025. The market section on this page shows how the area is trending.
Which schools are assigned to 862 NE COLDWATER AVENUE?+
Pinemount Elementary School (elementary), Columbia High School (high) — Columbia County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of REAL ESTATE EMPIRE GROUP, INC. · Liza Martinez De Feliciano. MLS #OM730612.
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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