130 Hardesty Lake Road, Interlachen, FL 32148
Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
130 Hardesty Lake Road in Non-Sub, Interlachen is listed at $2,590,500 (6,780 sq ft, about $382 per sq ft). It has been listed Oct 8, 2026. Listing facts: built in 2007, a private pool, waterfront, no HOA. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2007 · 19 yrs
- 6,780 sq ft of living area
- 6-car garage
- listed Oct 8, 2026
- No HOA reported by the listing (confirm)
About this home
A remarkable lakefront estate unfolds across approximately 14.07 acres with 318 feet of frontage on 44-acre, spring-fed Hardesty Lake, combining waterfront access, expansive acreage and substantial residential and recreational space. This distinctive Interlachen property encompasses two parcels and features a two-story main residence, pool and spa, covered boat dock and private boat ramp, a detached six-car garage with a two-bedroom apartment and an additional two-car aluminum barn. Approximately 6.84 acres contain the residence, garage and barn, while 7.23 acres are cleared, undeveloped land.
Built in 2008, the two-story main residence offers approximately 4,506 square feet under heat and air with four bedrooms and three baths. The first floor opens with a vaulted foyer, marble flooring and a distinctive staircase and upper walkway. The living and family rooms are connected by a double-sided fireplace, while the family room features travertine flooring and a custom bar.
The kitchen, living room and dining room capture views of the pool and lake. The kitchen features a large granite island, granite countertops, custom cabinetry, two sinks, two disposals and gas cooking. An adjacent kitchenette and walk-in wine room with a cooling system and custom door complete the space.
Additional details include 10-foot ceilings, crown molding, marble windowsills and baseboards, designer doors and chandeliers. Upstairs, the primary suite features a fireplace, wet bar with mini refrigerator, built-in walk-in closet and access to a screened balcony. The marble primary bath includes a walk-in double shower, two sinks with granite countertops, a jetted tub and separate vanity area.
A den/office with built-in shelving and French doors also opens to the balcony. Two additional upstairs bedrooms share a Jack-and-Jill bath, with one providing balcony access and views of the pool and lake. Outdoor living centers around the pool with a multilevel stone waterfall, additional water features and spa, complemented by the fenced backyard, pool storage room, upper deck and exterior spiral staircase connecting to the pool deck.
A circular paver driveway with a fountain garden leads to the residence, while a lighted main gate marks the property entrance. A covered walkway connects the main residence to the detached two-story garage. The garage provides six-car capacity with space to accommodate a 27-foot boat, automatic garage doors, drive-through capability, a half bath and dry sauna.
Above, approximately 2,200 square feet of conditioned living space includes two bedrooms, two baths and an open kitchen, dining and living area. The apartment features quartz countertops and island, a gas fireplace, front and rear upper decks and elevated views across the lake and property. Additional property features include a 24-by-26-foot aluminum two-car barn, two wells, two septic systems, central vacuum systems, propane tankless water heaters, a 10-zone irrigation system, security features and whole-house generator wiring.
The property is located outside town limits and has no homeowners association. Call to schedule your opportunity to view this one-of-a-kind estate today!
All 6 photos
Description provided by PREMIER SOTHEBY'S INTERNATIONAL REALTY and reproduced from the MLS; not independently verified.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $14,236/mo 76%
- Taxes $3,575/mo 19%
- Insurance $1,025/mo 5%
$18,836/mo at 20% down, 30-yr @ 7.32% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified county tax rollProperty taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), realMLS; millage: Putnam County Property Appraiser, FY2025-26 adopted budget. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 130 Hardesty Lake Road
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | The current owner's bill is about $10,475/yr (certified county roll, taxable value × millage). Buy at the asking price of $2,590,500 and the first-year bill resets to about $42,900/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 16.89 mills); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| HOA dues | The listing states there is no HOA. |
| Home and flood insurance | The average Citizens Property Insurance premium in Putnam County is $1,345/yr (550 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $8,500–$18,000/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote). |
| Roof and age | Built in 2007. An original roof would be about 19 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date. |
Estimated carrying cost at the asking price, before the mortgage: about $3,687/month (tax $3,575, insurance $112). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Natural hazard risk
FEMA National Risk Index for Putnam County, FL: overall Relatively Low. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
This home’s history
- 2007BuiltPer public record
- About Oct 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (<span class="mw-dom" data-listed="2026-10-08" data-fmt="dom">listed Oct 8, 2026</span>)
- Oct 5, 2026First seen on movewithmomentum.comObserved at $2,590,500
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
Comparable recent sales
No closed sales of a similar home within about 10 miles in Putnam County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for NON-SUB. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
The Messtimate
Insufficient local evidence for an automated estimate. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when at least 3 defensible sales exist within about 10 miles in Putnam County in the last 18 months. None qualify for this home, so no dollar range is shown. It is not an appraisal or a valuation.
Methodology: the range would be 6,780 sq ft × the interquartile $/sq ft of comparable closed sales (same property type, living area within 30%, closed within 18 months, nearest verified subdivision, 3-mile, then 10-mile same-county stage). Estimate for general information only; never an appraisal, valuation, or offer. Updated October 27, 2026.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 121.0 months of supply in the surrounding market and 19 days on market for this home, against a 56-day area median.Days on market:this home 19Area median: 56 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of October 27, 2026.
What’s unique here: no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Checked against the MLS October 27, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by PREMIER SOTHEBY'S INTERNATIONAL REALTY · MLS # OM732942
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More on Putnam County
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Browse market data, schools, taxes, and homes for sale across the county.
Assigned schools
Schools currently assigned to this address in Putnam County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
Buyer research checklist
Items worth confirming for 130 Hardesty Lake Road, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2007 (19 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
- FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
- Get a homeowners insurance quote for this specific address in Putnam County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
- Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
- Listed living area is 6,780 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $42,900/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $32,425 more per year than the current owner’s estimated bill (+310%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Data sources & freshness
| Listing record | realMLS, checked against the MLS hourly (last: October 27, 2026) |
| Comparable sales | Fewer than 3 defensible closed sales within about 10 miles in Putnam County — no medians or automated estimate shown |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 130 Hardesty Lake Road and when was it built?
Per the listing record, 130 Hardesty Lake Road was built in 2007 and has 6,780 sq ft of living area, 6 bedrooms and 5.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 130 Hardesty Lake Road in?
130 Hardesty Lake Road is in Non-Sub in Interlachen, Putnam County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 130 Hardesty Lake Road have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 130 Hardesty Lake Road differ from the current owner's?
The estimate on this page (about $42,900 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $32,425 more per year than the current owner’s estimated bill (+310%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 130 Hardesty Lake Road in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 130 HARDESTY LAKE ROAD in person
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
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Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.