1129 STATE ROAD 20, INTERLACHEN, FL, 32148
Active449 days on marketListed Apr 28, 2025MLS #TB8379655
About this home
1129 STATE ROAD 20
This property is currently tenant-occupied—please do not disturb. Originally built in 1969 as a three-bedroom, one-bathroom home. The concrete block and metal roof structure has highway frontage on State Road 20 (SR-20), which was once a rural two-lane highway located roughly halfway between Gainesville (about 28 miles west) and Palatka (approximately 15 miles east). The Town of Interlachen has recently experienced significant growth. Due to its proximity to the intersection of SR-20 and County Road 315 (CR-315), the zoning has now been updated to Commercial, General (C-3). The property includes 0.77 acres, with most of the land situated behind the structure and the neighboring building to the west (see the property's plat). There is ample usable space for additions or parking. Classified in Flood Zone X, the lot is high and dry. It’s an ideal spot for a professional office, restaurant, coffee shop, laundromat, or other creative small business. This is your chance to invest in a rapidly growing area before corporate acquisitions push values higher in Interlachen.
Facts & features
The home at a glance
3
Bedrooms
1
Bathrooms
1,069
Sqft
0.77 ac
Lot size
1969
Year built
One
Levels
$327
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.
$2,704 /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
$2,704/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 actives
$327 vs $166
Days on market
449 vs 22 typical
Where $327/sqft sits among the 26 Interlachen 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 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)
11 of 26
Interlachen actives have cut their price
Median sold price, Interlachen, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 2793% above the INTERLACHEN 32148 median. See the full Interlachen market guide →
Paper trail
This home's history
Reality check
What actually sold near 1129 STATE ROAD 20
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$166,000
206 PLUM AVENUE
2 bd · 1 ba · 810 sqft · $205/sqft · 25 DOM
Sold · Sep ’25$154,500
200 WASHINGTON STREET
2 bd · 1 ba · 1,384 sqft · $112/sqft · 148 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 1129 STATE ROAD 20 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1129 STATE ROAD 20 — 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
1129 STATE ROAD 20 FAQs
What would the monthly payment be for 1129 STATE ROAD 20?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,704/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 1129 STATE ROAD 20?+
The most recent tax bill on record (2024) was $3,946. 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 $350,000, this home is listed about 56% above the Interlachen median of $225,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1129 STATE ROAD 20?+
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.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX PREMIER GROUP · Daniel Lee, Sr. MLS #TB8379655.
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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