128 15TH STREET, INTERLACHEN, FL, 32148
Active557 days on marketListed Jan 14, 2025MLS #O6271455
About this home
128 15TH STREET
Positioned on a spacious double lot totaling 0.40 acres, this property presents an outstanding opportunity to build in a peaceful Florida setting. Featuring desirable R-2 zoning, no HOA, and no flood zone designation, it offers both flexibility and peace of mind. With nearby power access, the lot is well-suited for a mobile, modular, or site-built home. Enjoy added versatility with temporary RV use permitted, allowing you to utilize the property while planning your future build. Ideally located for outdoor enthusiasts, you’ll be just minutes from local parks, scenic trails, and boating access, including Boathouse Riverfront Park, Ravine Gardens State Park, and the Kenwood Boat Ramp. Despite its tranquil surroundings, the property offers convenient access to some of Florida’s most popular destinations. St. Augustine is less than an hour away, Daytona Beach is approximately 90 minutes, and Walt Disney World is under two hours. Whether you’re planning a retirement escape, vacation getaway, or investment property, this versatile double lot delivers the ideal blend of location, freedom, and potential. Don’t miss the chance to secure your piece of Florida, submit your offer today.
Facts & features
The home at a glance
0.4 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.
$233 /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
$233/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 → $152K
Interlachen median sold, yr/yr
94.8%
Sale-to-list ratio (12 mo)
Median sold price, Interlachen, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 20% below the INTERLACHEN 32148 median. See the full Interlachen market guide →
Paper trail
This home's history
Reality check
What actually sold near 128 15TH STREET
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$33,000
235 OAKCREST DRIVE
2 bd · 1 ba · 672 sqft · $49/sqft · 87 DOM
Sold · Nov ’25$190,000
136 OAK WAY
3 bd · 2 ba · 1,169 sqft · $163/sqft · 114 DOM
Sold · Aug ’25$62,000
314 UNION AVENUE
3 bd · 2 ba · 1,480 sqft · $42/sqft · 59 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 128 15TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 128 15TH STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
128 15TH STREET FAQs
What would the monthly payment be for 128 15TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $233/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 128 15TH STREET?+
The most recent tax bill on record (2023) was $113. 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 $9,990, this home is listed about 96% below the Interlachen median of $225,000. The market section on this page shows how the area is trending.
Which schools are assigned to 128 15TH STREET?+
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
01Under the INTERLACHEN 32148 market on paper
$9,990 is 20% below the INTERLACHEN 32148 median of $12,500.
02Time on market is leverage
557 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 $16,995, now $9,990 — a $7K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of VYLLA HOME · Jennifer Vilayvong. MLS #O6271455.
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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