526 NW SAVANNAH CIRCLE, LAKE CITY, FL, 32055
Active16 days on marketListed Sep 4, 2026MLS #TB8545495
About this home
526 NW SAVANNAH CIRCLE
BRAND NEW ROOF 2025, NEW AC 2026, AND NEW WATER HEATER 2026 - ALL THREE MAJOR SYSTEMS DONE AND THIS HOME IS MOVE-IN READY! Welcome home to this beautiful 4 bedroom 2.5 bath home nestled on a generous half-acre lot in the desirable Oak Meadow Plantation community of Lake City. Step inside and immediately feel the warmth of a home that has been thoughtfully cared for. Beautiful laminate, tile, and wood flooring flow throughout the main living areas, a cozy wood-burning fireplace anchors the family room, and the open layout with two separate living spaces gives everyone room to breathe. The kitchen flows naturally to the dining and living areas making it perfect for everyday living and entertaining alike. When it is time to enjoy the outdoors you have options. Relax on the screened patio, hang out under the covered patio, or enjoy the fully fenced private backyard that stretches across a full half acre. The attached 2-car garage keeps your vehicles protected and the full appliance package means everything you need is already included. Oak Meadow Plantation is one of Lake City's most charming communities, lined with mature oak trees and centered around a beautiful neighborhood pond with a low HOA of only approx. $330 per year and no CDD. Flood Zone X so no flood insurance required. Property is vacant with a lockbox and easy to show anytime. Minutes from I-75, US-90, downtown Lake City, shopping, dining, and Lake City Medical Center. All financing welcome including FHA, VA, and conventional. A home this updated, this spacious, and in a community this special does not stay on the market long. Schedule your showing today!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,441
Sqft
0.5 ac
Lot size
2
Garage
2000
Year built
One
Levels
$154
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 and the real association fee — not generic estimates.
$2,939 /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
$2,939/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.
vs edgeAI estimate
−4.8%
$/sqft vs Lake City actives
$154 vs $191
Days on market
16 vs 72 typical
Where $154/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 →
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 7% below the Lake City median. See the full Lake City market guide →
Paper trail
This home's history
Reality check
What actually sold near 526 NW SAVANNAH 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$390,000
135 NW HERITAGE DRIVE
3 bd · 2.5 ba · 2,404 sqft · $162/sqft · 0 DOM
Sold · Dec ’25$670,000
148 NW HORIZON STREET
4 bd · 2.5 ba · 2,492 sqft · $269/sqft · 163 DOM
Sold · Dec ’25$399,900
375 SW ROSEMARY DRIVE
4 bd · 2 ba · 2,311 sqft · $173/sqft · 217 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 526 NW SAVANNAH CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 526 NW SAVANNAH CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
526 NW SAVANNAH CIRCLE FAQs
What would the monthly payment be for 526 NW SAVANNAH CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,939/mo — principal and interest, the actual property-tax bill, the $28/mo association fee 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.
How much are the HOA fees at 526 NW SAVANNAH CIRCLE?+
The association fee works out to $28 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 526 NW SAVANNAH CIRCLE?+
The most recent tax bill on record (2025) was $4,542. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 526 NW SAVANNAH CIRCLE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Lake City?+
At $374,900, this home is listed about 7% below the Lake City median of $403,025. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of HOUSEWELL.COM REALTY OF FLORIDA LLC · Catherine Nolan. MLS #TB8545495.
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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