Overview
Ask anything about this home
Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.
New construction · 2026
Different rules apply when you buy new
Build snapshot
- Build year
- 2026
- Builder
- Ask the team — not on MLS
- Community
- GELBERG'S
- Type
- Single Family Residence
True monthly carry
- HOA
- None / TBD
- CDD bond
- No CDD disclosed
- Builder incentives
- Ask — change weekly
What we'll do for you on a new build
Builder contract redlines
Builder contracts favor the builder. We mark up the clauses you should push back on before you sign.
11-month inspection
Your 1-year warranty expires quietly. We book an independent inspection at month 11 — saves $5K+ on average in caught defects.
Verified incentives
We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.
About this home
862 NE Coldwater Ave is a 2026-built home in Gelberg's, Lake City. Inside you'll find 2 bedrooms, 2 bathrooms, and 728 square feet of living space. Listed at $175,999 (about $242/sqft), 58 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.
Welcome to this 2-bedroom, 2-bath manufactured home located in Lake City, Florida 32055, offering an excellent opportunity for a first-time homebuyer, retiree, investor, or anyone looking for an affordable primary residence in beautiful North Florida. The home features a comfortable and functional floor plan with two bedrooms and two full bathrooms, providing flexibility for everyday living, guests, a home office, or additional family space. Enjoy the relaxed lifestyle Lake City is known for while remaining conveniently located near local elementary schools, shopping, restaurants, medical services, and everyday necessities. The property also offers convenient access to the greater Lake City area and major North Florida transportation routes. Lake City provides the perfect combination of small-town charm and accessibility, surrounded by the natural beauty of North Central Florida while still offering the conveniences needed for daily living. Whether you are searching for your first home, downsizing, purchasing an investment property, or looking for an affordable Florida residence, this 2-bedroom, 2-bath manufactured home is an opportunity worth considering. A quieter Florida lifestyle. Schedule your showing and come see the possibilities this property has AVAILABLE ! ASK FOR CLOSING COSTS!
Request documents
Free. Tap one and our team sends it over.
The essentials
At a glance
Payment
Details
Districts can re-zone, so verify directly with the district before relying on these.
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
Neighborhood
Market insights
Offer Insights
Choose an offer strength
Sample: 45 closed home sales in Lake City over the last 8 months, Stellar MLS. Widened past this ZIP to get a usable sample. A starting point, not a guarantee.
Talk through an offer with our teamCalculator
Not sure what you can afford?
Put in your household income and we will tell you where this payment sits.
Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.
Quick answers.
Price
$175,999
$242 per sq ft
Beds and baths
2 beds, 2 baths
Size
728 sq ft
Time on market
58 days
Year built
2026
Monthly payment
About $1,074/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $815 annual tax bill, insurance.
Flood zone
Zone X
That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.
Offer
What should I offer?
Have another question?
Keep exploring Florida
Pick up where you left off, or see what else is out there.
