128 PHILLIPS ROAD, FLORAHOME, FL, 32140
Active181 days on marketListed Jan 19, 2026MLS #FC315348
About this home
128 PHILLIPS ROAD
"Some Photos Have Been Virtually Staged" Rare opportunity to own 9.3 acres of developed land in Putnam County—a standout property offering space, privacy, and versatility in a growing area. Tucked away at the end of a dead-end road, this expansive parcel provides peaceful seclusion with no through traffic, making it ideal for a wide range of uses including livestock, farming, equipment storage, car enthusiasts, or collectors. The property features multiple structures, highlighted by an impressive 840 sq ft hangar/lumber shed built in 2010. This structure boasts soaring ceilings, a large metal rolling door, concrete slab, and electricity, making it a major value-add and a rare find—perfect for large equipment, workshops, or hobby storage. The main residence is a double-wide mobile home offering 3 bedrooms and 2 bathrooms, hardwood flooring throughout, a metal roof, and a large covered front porch. With a little TLC, this home can easily be brought back to life. The property is serviced by a deep well and maintained septic system, last pumped approximately 3 years ago. Additional features include a powered and insulated she-shed adjacent to the home, a second she-shed without power, and existing livestock pens already in place. Large acreage, multiple usable structures, and an exceptional hangar make this property truly one-of-a-kind. Opportunities like this are rare—don’t wait, this one will not last!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,568
Sqft
9.39 ac
Lot size
1993
Year built
One
Levels
$77
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.
$1,777 /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
$1,777/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
$77 vs $141
Days on market
181 vs 65 typical
Where $77/sqft sits among the 15 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 Florahome
Get to know Florahome. See the full Florahome guide →
FLORAHOME 32140 — neighborhood snapshot
Population
1,558
Median age
39.7
Median income
$35,000
Median home value
$122,600
Avg household
2.51
Households w/ children
169
For the school run
Putnam County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Florahome market
$250K → $204K
Florahome median sold, yr/yr
96.2%
Sale-to-list ratio (12 mo)
6 of 15
INTERLACHEN LAKES ESTATES have cut their price
Median sold price, Florahome, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1213% above the FLORAHOME 32140 median. See the full Florahome market guide →
Paper trail
This home's history
Reality check
What actually sold near 128 PHILLIPS ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$400,000
130 WALKER AVENUE · same community
3 bd · 2 ba · 1,788 sqft · $224/sqft · 134 DOM
Sold · Aug ’25$235,000
616 LAKE SUSAN ROAD · same community
4 bd · 2 ba · 1,768 sqft · $133/sqft · 34 DOM
Sold · Aug ’25$360,000
131 IDA BOULEVARD · same community
3 bd · 2 ba · 1,472 sqft · $245/sqft · 31 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 128 PHILLIPS ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 128 PHILLIPS ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
128 PHILLIPS ROAD FAQs
What would the monthly payment be for 128 PHILLIPS ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,777/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 PHILLIPS ROAD?+
The most recent tax bill on record (2025) was $4,445. 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 Florahome?+
At $197,000, this home is listed about 20% below the Florahome median of $245,000. The market section on this page shows how the area is trending.
Which schools are assigned to 128 PHILLIPS ROAD?+
Interlachen Junior-Senior High School (high), Melrose Elementary School (elementary) — 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
$197,000 runs 1213% above the FLORAHOME 32140 median — but at 2,568 sqft it's also 69% larger than the typical Florahome listing.
02Time on market is leverage
181 days on market against a Florahome median of 65 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $289,900, now $197,000 — a $93K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of YOUR HOME SOLD GUARANTEED REAL · Jesse Warmka. MLS #FC315348.
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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