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Don't let the size of the main home fool you—this lakefront property offers BIG possibilities! With over 4 usable acres and approximately 380 feet of frontage on spring-fed Lake Ida, this property offers space, privacy, and versatility! The main home features an open layout and beautiful lake views, while the separate 1-bedroom, 1-bath guest house includes its own kitchen and living area—ideal for multigenerational living, guests, or potential rental income! Additional features include a concrete-block garage, attached carport, fenced pasture, and RV hookup. Enjoy fishing, kayaking, boating, and peaceful waterfront living! Can't afford lake life on your own? Explore the possibility of using the extra living space to help offset expenses! There's more here than meets the eye—come see the possibilities! Rental use subject to applicable regulations.

Highlights

  • Residential
  • Single Family Residence
  • Built in 1981
  • 13.89 Acre Lot
  • Waterfront
  • 242 days on Market

  • Bedrooms
    1
  • Bathrooms
    1 full · 1 half
  • Year Built
    1981
  • Stories
    1.0
  • Architectural Style
    Traditional
  • Construction Materials
    Vinyl Siding
  • Parking Features
    Carport, Attached Carport
  • Living Area
    960.0
  • Interior Features
    Walk-In Closet(s), Open Floorplan
  • Appliances
    Electric Range, Electric Water Heater, Refrigerator
  • Flooring
    Laminate
  • Furnished
    Unfurnished
  • Exterior Features
    Dock, Outdoor Shower
  • Cooling
    Central Air
  • Heating
    Central

  • Acres
    13.89
  • Lot Features
    Waterfront
  • Water Front Features
    Lake Front
  • Water Front
    Yes
  • View
    Lake, Water
  • Utilities
    Cable Available
  • Water
    Private, Well

  • Area
    572-Interlachen-NE
  • County
    Putnam
  • City
    Interlachen
  • Neighborhood
    Metes & Bounds
  • Zip Code
    32148
  • High School
    Interlachen
  • Elementary School
    Interlachen

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Frequently Asked Questions

How do I schedule a tour of 986 State Road 20?

We can make that happen quickly. Click Tour This Home and we'll connect you directly with our vetted local partner to schedule your visit to 986 State Road 20.

They know residentials in the area well and can give you the guidance you need to buy with confidence.

How do I get more information about 986 State Road 20?

Click Ask a Question to talk with our team. You already know it is a 1 bed, 1 bath, listed for $399,999. We can talk through recent upgrades, potential seller motivation, how this single family residence compares to others in Interlachen, and can even get you in to see the property quickly.

How do I get a virtual tour of 986 State Road 20?

Yes! A virtual tour is available for 986 State Road 20. Click here to view the full walkthrough and explore every room at your own pace. If you would like a guided virtual showing or have questions along the way, we can connect you with our local expert to walk you through it live.

How much is the monthly mortgage payment for 986 State Road 20?

With a 20% down payment and a 30-year fixed loan at an illustrative 6.75% rate, the ez Mortgage Calculator estimates the monthly payment for 986 State Road 20 at around $2,454. This includes estimated property taxes and insurance.

Want to see how this changes with different down payments or interest rates? Jump to the calculator to run the numbers and fine-tune your plan.

How do I get pre-approved to buy 986 State Road 20?

Stand out in a competitive market by getting pre-approved today. Our quick and private pre-approval process helps you understand your true buying power—no credit pull required to explore all of your options.

Or, let us connect you with our preferred local lender in Putnam County. They will give you all of your available financing options, based on your specific situation and what is available to you.

Can I negotiate the asking price for 986 State Road 20?

In most cases, yes. Whether 986 State Road 20 is priced competitively or not, your best offer depends on your personal situation, the seller's timeline, and recent activity in Interlachen's market. Our preferred local partner will help you craft a strategy—factoring in comparable properties that have sold, timing, and deal structure—to make a smart, strong offer. Click here to ask about negotiation opportunities.

How do I make an offer on 986 State Road 20?

We can handle that for you. Our preferred local agent specializes in residentials in Interlachen and can guide you through every step of the offer process.

You need an expert who is looking out for your best interests. From market valuation to contingencies and timing, they'll help you present a compelling offer that fits your goals. Click Ask a Question to get started today.

What is the price per square foot for this home?

This home is listed at $399,999 with 960 sqft of space—that comes out to approximately $417 per square foot.

How long has this property been on the market?

986 State Road 20 was listed on March 10, 2026, which means it's been on the market for 242 days.

Want to keep tabs on it? Click the ♥ to favorite this home and get notified of price drops or changes.

When was this house built?

This home was built in 1981, making it approximately 45 years old.

What is the lot size of this property?

986 State Road 20 sits on a 13.89-acre lot, which is 605,048 square feet.

What schools are assigned to this property?

Based on MLS info, this home is zoned for:

  • Elementary: Interlachen
  • High: Interlachen

Want to see how these schools compare? Check out our Putnam County School Guide to see ratings, reviews, and more for the schools in the area.

What are the property taxes for 986 State Road 20?

The most recent public record shows annual property taxes for 986 State Road 20 were approximately $3,426. This may change with reassessment or exemptions. Our local partner can verify current tax amounts and help you estimate future costs based on your situation.

Is 986 State Road 20 still available for sale?

Yes, this home is still available! Click the ♥ to favorite it so you don't miss any changes—or ask our local expert to schedule a time to see it in person.

Source: ez Home Search, MLS Data

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Listing information 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. Information deemed reliable but not guaranteed by the MLS. Copyright 2026, realMLS. All rights reserved.

Last Updated: November 07, 2026 at 09:16AM | Source: realMLS | MLS#: 2134128