103 LONG ROAD, INTERLACHEN, FL, 32148
Active109 days on marketListed Apr 2, 2026MLS #GC538895
About this home
103 LONG ROAD
Looking for a brand NEW construction home with no HOA at an affordable price? You’ve found it! This spectacular 3-bedroom, 2-bathroom home is ideally located from downtown Palatka, where you’ll enjoy delicious local dining, charming shops, and more. Step inside to find an abundance of natural light, durable luxury vinyl plank flooring throughout, and a thoughtfully designed open-concept layout perfect for entertaining or relaxing with loved ones. The kitchen is as functional as it is stylish, featuring a modern appliance package, shaker-style cabinetry, and sleek black granite countertops. Just off the kitchen, a cozy dining area - ideal for memorable family dinners. The spacious primary bedroom offers an en-suite bath with a beautifully tiled walk-in shower. On the opposite side of the home, two additional bedrooms provide flexibility for guests, a home office, or growing families. Out back, enjoy a nearly quarter-acre lot with no direct rear neighbors - offering the privacy and space that’s hard to find at this price point. If you’ve been searching for new construction without the restrictions of an HOA, this is an opportunity you do not want to miss. Give us a call today for a private showing!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,112
Sqft
0.22 ac
Lot size
2
Garage
2025
Year built
One
Levels
$202
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.
$1,591 /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
$1,591/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 INTERLACHEN LAKES ESTATES
$202 vs $141
Days on market
109 vs 22 typical
Where $202/sqft sits among the 14 homes for sale in INTERLACHEN LAKES ESTATES
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 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)
5 of 14
INTERLACHEN LAKES ESTATES have cut their price
Median sold price, Interlachen, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1774% above the INTERLACHEN 32148 median. See the full Interlachen market guide →
Paper trail
This home's history
Reality check
What actually sold near 103 LONG ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$237,900
183 VIOLET CIRCLE · same community
2 bd · 1 ba · 1,135 sqft · $210/sqft · 0 DOM
Sold · Jan ’26$155,000
503 THERESA AVENUE · same community
3 bd · 2 ba · 1,080 sqft · $144/sqft · 8 DOM
Sold · Dec ’25$194,000
606 OFARRELL AVENUE · same community
3 bd · 2 ba · 1,200 sqft · $162/sqft · 138 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 103 LONG ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 103 LONG ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
103 LONG ROAD FAQs
What would the monthly payment be for 103 LONG ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,591/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 103 LONG ROAD?+
The most recent tax bill on record (2025) was $86. 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 $224,900, this home is priced right at the Interlachen median.
Which schools are assigned to 103 LONG ROAD?+
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
$224,900 runs 1774% above the INTERLACHEN 32148 median.
02Time on market is leverage
109 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 $235,000, now $224,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS GAINESVILLE REALTY PARTNERS · Jonathan Mills. MLS #GC538895.
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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