ROANOKE TERRACE, FORT WHITE, FL, 32038
Active493 days on marketListed Mar 19, 2025MLS #GC529167
About this home
ROANOKE TERRACE
PRICE SLASHED $29,000.00!!! DO YOU WANT TO BE NEAR THE ICHETUCKNEE RIVER AND ITS HEAD SPRINGS? THIS IS THE PERFECT LOCATION FOR YOU. This beautiful 10.33 acre parcel is tucked away in rural Columbia County, just a ten-minute drive to the world famous pristine Ichetucknee River and its head springs. Swimming, diving, FLOATING, canoeing and kayaking await you. This is the perfect place for you to either build your dream home or to bring your manufactured home. Very private area, nice homes in the neighborhood with well-maintained limerock roads. It's a dream location. Did I say it's near the Ichetucknee River?
Facts & features
The home at a glance
10.33 ac
Lot size
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 and the real association fee — not generic estimates.
$1,494 /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
$1,494/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 Fort White
Get to know Fort White. See the full Fort White guide →
FORT WHITE 32038 — neighborhood snapshot
Population
10,035
Median age
51.2
Median income
$58,075
Median home value
$179,300
Avg household
2.58
Households w/ children
1,072
For the school run
Columbia County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Fort White market
$305K → $289K
Fort White median sold, yr/yr
96.8%
Sale-to-list ratio (12 mo)
Median sold price, Fort White, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 34% below the FORT WHITE 32038 median. See the full Fort White market guide →
Paper trail
This home's history
Reality check
What actually sold near ROANOKE TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$250,000
148 SW SEDGEFIELD LANE
3 bd · 2 ba · 1,512 sqft · $165/sqft · 8 DOM
Sold · Aug ’25$520,000
776 SW SKYLINE LOOP
4 bd · 2 ba · 2,130 sqft · $244/sqft · 127 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about ROANOKE TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for ROANOKE TERRACE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
ROANOKE TERRACE FAQs
What would the monthly payment be for ROANOKE TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,494/mo — principal and interest, the actual property-tax bill, the $21/mo association fee 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.
How much are the HOA fees at ROANOKE TERRACE?+
The association fee works out to $21 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on ROANOKE TERRACE?+
The most recent tax bill on record (2024) was $2,841. 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 ROANOKE TERRACE?+
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 Fort White?+
At $170,000, this home is listed about 57% below the Fort White median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to ROANOKE TERRACE?+
Fort White Elementary School (elementary) — Columbia County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the FORT WHITE 32038 market on paper
$170,000 is 34% below the FORT WHITE 32038 median of $258,000.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
493 days on market against a Fort White median of 10 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $199,000, now $170,000 — a $29K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ALACHUA REALTY, LLC · David Jakupko. MLS #GC529167.
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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