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Single Family ResidenceResidential
$425,000$401 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 74How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

986 STATE ROAD 20

INTERLACHEN, FL 32148
0
Baths
1,061 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
13.89 ac
Lot SizeThe size of the land the home sits on, from county records.
1981
Year BuiltThe year the home was originally built, according to county records.

Valuation

$425K
$314K low$536K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,426 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$224,700 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$218,370
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$383,960

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.61
78
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
37
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
99
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
78
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
17
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.63 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyPutnam
Lot (acres)The size of the land the home sits on, from county records.13.89
HeatingThe type of heating system in the home.None
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 120 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Interlachen Jr/Sr High SchoolD+
Middle · Grades 7–12 · 1.6 mi
E
Robert H Jenkins Jr. Elementary schoolD+
Elementary · Grades PK–6 · 2.3 mi

District: Putnam County School District

Neighborhood · ZIP 32148These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.113
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.97
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.28

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.85%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.12%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.19%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.10,429
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.111 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$45,367
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$58,707
Average tempThe average temperature here across a full year.70°F
Annual precipHow much rain and melted snow falls here in a typical year.52 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.66%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

986 State Road 20 measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 96% of homes in Interlachen 32148
  • Among the highest price per square foot in Interlachen 32148
  • Smaller than 69% of homes in Putnam County
  • Has a bigger lot than 98% of homes in Interlachen 32148

What homes are worth in Interlachen 32148

Each bar is how many homes fall in that price range. The marker is this home.

This home
$20K$493K

This home is worth more than 96% of homes in Interlachen 32148.

How it measures up in Interlachen 32148

The dot is this home. The mark in the middle is the typical home in Interlachen 32148.

Estimated value$425,000
CheaperTypical $156,026Pricier

Pricier than 96% of homes nearby

Price per ft²$401
CheaperTypical $113Pricier

Pricier than almost all homes nearby

Living area1,061 ft²
SmallerTypical 1,152 ft²Bigger

Bigger than 44% of homes nearby

Lot size13.89 ac
SmallerTypical 0.45 acBigger

Bigger than 98% of homes nearby

Year built1981
OlderTypical 1986Newer

Newer than 38% of homes nearby

How 986 State Road 20 ranks against every home in each area.
MeasureThis homeInterlachen 32148Putnam County
Estimated valuepricier than$425,00096% of homes87% of homes
Price per ft²pricier than$401almost all homesalmost all homes
Living areabigger than1,061 ft²44% of homes31% of homes
Lot sizebigger than13.89 ac98% of homes98% of homes
Year builtnewer than198138% of homes44% of homes

About 986 State Road 20

How much is 986 State Road 20, Interlachen, FL worth?

The TopHap Estimate for 986 State Road 20, Interlachen, FL is $425,000 as of Aug 30, 2026. The likely range is $313,557 to $536,443. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 986 State Road 20, Interlachen, FL last sell?

986 State Road 20, Interlachen, FL last sold on Jul 28, 2006, according to the county's recorded deed.

How big is 986 State Road 20, Interlachen, FL?

986 State Road 20, Interlachen, FL has 1,061 square feet of living space and a 13.89-acre lot.

When was 986 State Road 20, Interlachen, FL built?

986 State Road 20, Interlachen, FL was built in 1981, making it 45 years old.

What schools serve 986 State Road 20, Interlachen, FL?

986 State Road 20, Interlachen, FL is assigned to Interlachen Jr/Sr High School (middle), rated D+; Robert H Jenkins Jr. Elementary school (elementary), rated D+. All sit in Putnam County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 986 State Road 20, Interlachen, FL compare to other homes in Interlachen 32148?

Among the 6,113 homes in Interlachen 32148, it is worth more than 96% of them ($425,000 against a typical $156,026), its price per square foot is higher than almost all of them ($401 against a typical $113), it is bigger than 44% of them (1,061 ft² against a typical 1,152 ft²), its lot is bigger than 98% of them (13.89 ac against a typical 0.45 ac) and it is newer than 38% of them (1981 against a typical 1986). Measured against all of Putnam County, it is worth more than 87% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 986 State Road 20, Interlachen, FL?

The 2025 property tax bill for 986 State Road 20, Interlachen, FL was $3,426. The county assessed it at $224,700.

More homes on State Road 20

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Assigned schools

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