Donna Layton
$2,3003 bd2.5 ba3,927 sqft$1 /sqft$177 /mo all-in ↓

976 SW HAMLET CIRCLE UNIT E, LAKE CITY, FL, 32024

Active0 days on marketListed Aug 11, 2026MLS #GC542580

Priced 99% below the LAKE CITY 32024 medianSingle Family ResidenceSOUTHWOOD ACRES UN 4

About this home

976 SW HAMLET CIRCLE UNIT E

Escape the hustle and enjoy the tranquility of country living in this beautifully updated 3-bedroom, 2.5-bath, two-story rental located on a working ranch in Lake City. Fully updated throughout, this unique home offers the perfect blend of comfort, privacy, and peaceful country living. The spacious main-level bedroom features its own private bathroom, providing a comfortable retreat with added convenience. Upstairs, you'll find two additional bedrooms, including one with custom built-ins that create the perfect space for a home office or study area. Step outside onto the private balcony and take in the peaceful surroundings. The home also features a convenient half bath, plenty of living space, and thoughtful storage throughout. The interior has been fully updated, offering a fresh and inviting feel while maintaining the charm of its country setting. Outside, enjoy scenic walking trails, a peaceful pond, and picturesque pastures where horses, cows, and donkeys roam. Lawn care is included, allowing you to spend more time enjoying the beautiful surroundings and less time on maintenance. Despite the peaceful ranch setting, you're still just a short drive from shopping, dining, entertainment, UF Health, and everyday conveniences in both Lake City and Gainesville. Come experience the charm, privacy, and comfort of ranch living in this truly unique rental. This home is a MUST-see!

Facts & features

The home at a glance

3

Bedrooms

2.5

Bathrooms

3,927

Sqft

8.66 ac

Lot size

1990

Year built

Two

Levels

$1

Per sqft

Pets allowed

Inside

AppliancesDishwasher · Microwave · Range Hood · Refrigerator
InteriorCeiling Fan(s) · High Ceilings · Living Room/Dining Room Combo · Open Floorplan · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

Community & fees

PetsPet Deposit, Yes

Utilities & systems

The numbers

What it really costs

Principal and interest plus estimated taxes and insurance. Run your own numbers below.

$177 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$14
FHA mortgage insurance (est.)$1
Est. property taxes (1.1%/yr)$2
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $81Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesEstimated at 1.1%/yrInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $81
Interest rate6.00%
Loan term

Estimated payment

$177/mo

Principal & interest$14
FHA mortgage insurance (est.)$1
Est. property taxes$2
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Where it sits

Inside Lake City

Map of 976 SW HAMLET CIRCLE UNIT E

Get to know Lake City. See the full Lake City guide →

LAKE CITY 32024 — neighborhood snapshot

Population

20,644

Median age

44.2

Median income

$62,066

Median home value

$201,700

Avg household

2.6

Households w/ children

2,304

For the school run

Columbia County School District

ElementaryWestside Elementary School★★★★
HighColumbia High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Lake City market

Seller’s marketBalanced6.1 months of inventoryBuyer’s market

$325K$262K

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 99% below the LAKE CITY 32024 median. See the full Lake City market guide →

Paper trail

This home's history

Aug 11, 2026Listed at $2,300 · 0 days on market since
1990Built · SOUTHWOOD ACRES UN 4

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.

Donna Layton

Your agent

Donna Layton

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 976 SW HAMLET CIRCLE UNIT E — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 976 SW HAMLET CIRCLE UNIT E — before you fall in love.

See it in person

Schedule a tour

Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

976 SW HAMLET CIRCLE UNIT E FAQs

What would the monthly payment be for 976 SW HAMLET CIRCLE UNIT E?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $177/mo — principal and interest, estimated property taxes 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.

Are pets allowed at 976 SW HAMLET CIRCLE UNIT E?+

The listing reports pets: Pet Deposit, 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 $2,300, this home is listed about 99% below the Lake City median of $399,900. The market section on this page shows how the area is trending.

Which schools are assigned to 976 SW HAMLET CIRCLE UNIT E?+

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

Three things that matter here

01Under the LAKE CITY 32024 market on paper

$2,300 is 99% below the LAKE CITY 32024 median of $393,150, and at $1/sqft it sits under the Lake City average of $212.

02Fresh on the market

Listed today in a Lake City market that averages 55 — if it fits, move quickly.

03Strong assigned schools

Westside Elementary School, Columbia High School — Westside Elementary School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of BOSSHARDT REALTY SERVICES LLC · Jeena Aaron. MLS #GC542580.

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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