245 NW GENELL LOOP, LAKE CITY, FL, 32055
Active1 days on marketListed Aug 6, 2026MLS #GC542515
About this home
245 NW GENELL LOOP
Rare Find! Spacious 4-Bedroom Home For Only $299,900! | NO RESTRICTIONS! Escape to the peaceful beauty of North Florida with this spacious 4-bedroom, 3-bath home nestled beneath majestic oak trees on just over an acre of serene countryside. Located just minutes from Lake City, this property offers the perfect blend of privacy, comfort, and convenience—with the freedom of NO HOA and NO deed restrictions! Featuring a desirable split floor plan, this home offers a functional layout with plenty of space for family, guests, or a home office. Enjoy cozy evenings by the wood-burning fireplace and the comfort of a home designed for everyday living. A double attached carport adds convenience and covered parking. Outside, the possibilities are endless with a fully fenced yard, shed, workshop, metal building frame, and over 3 covered parking spaces—perfect for hobbies, storage, equipment, recreational vehicles, or creating your own workspace. Relax and enjoy the beauty of outdoor living with inviting porches and decking surrounding the pool, creating the perfect place to watch breathtaking sunsets, enjoy peaceful evenings, and take in the abundant wildlife that surrounds you. With a little TLC, you can bring your vision to life and make this property your own private retreat. A 4-bedroom home under $300,000 with over an acre, a pool, incredible outdoor living space, and no restrictions is a rare opportunity
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,167
Sqft
1.19 ac
Lot size
1997
Year built
One
Levels
$138
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.
$2,349 /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
$2,349/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 Lake City
Get to know Lake City. See the full Lake City guide →
LAKE CITY 32055 — neighborhood snapshot
Population
16,792
Median age
36.6
Median income
$57,328
Median home value
$161,200
Avg household
2.52
Households w/ children
2,057
For the school run
Columbia County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lake City market
$325K → $249K
Lake City median sold, yr/yr
95.7%
Sale-to-list ratio (12 mo)
Median sold price, Lake City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 22% above the LAKE CITY 32055 median. See the full Lake City market guide →
Paper trail
This home's history
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
Derek Perez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 245 NW GENELL LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 245 NW GENELL LOOP — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Derek's phone and CRM.
Straight answers
245 NW GENELL LOOP FAQs
What would the monthly payment be for 245 NW GENELL LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,349/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 245 NW GENELL LOOP?+
The most recent tax bill on record (2025) was $3,494. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 245 NW GENELL LOOP?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Lake City?+
At $299,900, this home is listed about 25% below the Lake City median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 245 NW GENELL LOOP?+
Westside Elementary School (elementary), Columbia High School (high) — Columbia County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$299,900 runs 22% above the LAKE CITY 32055 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 1 day on market in a Lake City market that averages 55 — if it fits, move quickly.
04Strong assigned schools
Westside Elementary School, Columbia High School — Westside Elementary School rates 4 of 5. Always verify assignments with the district.
Listing courtesy of DANIEL CRAPPS AGENCY, INC. · Arri Simque. MLS #GC542515.
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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