David Ramirez
$529,000$585,0004 bd3 ba1,168 sqft$453 /sqft$3,781 /mo all-in ↓

1069 SE SUWANNEE TRAIL, BRANFORD, FL, 32008

Active293 days on marketListed Oct 3, 2025MLS #GC534483

Reduced $56KWaterfrontSingle Family ResidenceDEVILS ELBOW UNIT 1

About this home

1069 SE SUWANNEE TRAIL

SUWANNEE RIVER RETREAT--YOUR PRIVATE RIVERSIDE GETAWAY! Welcome to your dream retreat on the high bluffs of the Suwannee River in the serene Hatchbend area! This delightful 4-bedroom, 3-bath home is nestled on a generous 1-acre lot, offering peace, privacy, and panoramic river views. Inside, the home showcases charming rustic décor and a flexible layout. The main level features two cozy bedrooms and a shared bath, along with a fireplace—perfect for gathering on cool evenings. A private suite with its own entrance includes a spacious bedroom, a walk-in closet, and a large picture window overlooking the river, so you can wake up every morning to breathtaking views. On the lower level, you’ll find an additional bedroom and full bath, offering privacy and comfort for guests or extended family. There's also a large enclosed bonus room that can easily be transformed into extra living space, a game room, or the ultimate party room. Outdoor living shines with this property. Enjoy lazy afternoons on the porch swing, cook up a feast in the fully equipped outdoor kitchen and living area, then wind down around the firepit under the stars. A 42-foot aluminum ramp leads to a large floating dock with two jet ski docks, making river access easy and fun. Storage is abundant, with a 30’ x 40’ enclosed garage featuring three roll-up doors—ideal for housing all your toys and tools. There’s also additional covered parking for an RV or boat. The home is wired for a generator and includes an RV hookup. Located just a few miles from the quaint town of Branford, with a population under 800, this peaceful retreat offers small-town charm with big outdoor adventure. Fun starts here! You can begin your day on the water exploring nearby Little River Springs, Ruth Springs and Troy Springs just to the north. Head a little further south to where the Suwanee River meets the Sante Fe River and you will find Ellie Ray’s Campground, a local favorite with live entertaintment, a pool and a party that never ends! Continue up to the mouth of the Ichetucknee, park your boat and jump in the crystal clear water for a swim or head on up to Ginny Springs. Or head back down the Suwannee towards the Gulf Coast and stop off at Hart Springs to enjoy the boardwalk through the Cypress hammock or some cave diving. And be sure to stop by Suwannee Belle Restaurant for some of the best local cuisine. Whether you're looking for a full-time home, a vacation getaway, or a riverfront investment, this Suwannee River gem is a rare find. Tremendous potential for Air BNB! This home is TURN KEY and being sold FULLY FURNISHED--ready for your summer adventures! Schedule your private showing today!

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

1,168

Sqft

1.13 ac

Lot size

3

Garage

1989

Year built

One

Levels

$453

Per sqft

WaterfrontFireplaceNegotiable

Inside

FlooringCeramic Tile · Luxury Vinyl
AppliancesElectric Water Heater · Microwave · Range · Refrigerator · Washer · Water Softener
InteriorCeiling Fan(s) · Kitchen/Family Room Combo · Solid Surface Counters · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Washer Hookup
CoolingCentral Air
HeatingElectric
FurnishedNegotiable

Outside & construction

RoofMetal
ConstructionWood Frame
FoundationStilt/On Piling
FacesEast
ExteriorOutdoor Grill · Outdoor Kitchen · Outdoor Shower · Storage

Community & fees

Taxes (2024)$3,272/yr

Utilities & systems

UtilitiesElectricity Available
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,781 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$3,114
FHA mortgage insurance (est.)$234
Property tax — 2024 actual bill$273
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $18,515Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida 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% · $18,515
Interest rate6.00%
Loan term

Estimated payment

$3,781/mo

Principal & interest$3,114
FHA mortgage insurance (est.)$234
Property taxes (actual bill)$273
Est. insurance$160

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 Branford

Map of 1069 SE SUWANNEE TRAIL

Get to know Branford. See the full Branford guide →

BRANFORD 32008 — neighborhood snapshot

Population

6,263

Median age

39.9

Median income

$49,277

Median home value

$167,600

Avg household

2.56

Households w/ children

711

For the school run

Lafayette County School District

ElementaryLafayette Elementary School★★★★

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

The numbers that matter

The Branford market

Seller’s marketLeans buyer8.7 months of inventoryBuyer’s market

$199K$255K

Branford median sold, yr/yr

95.1%

Sale-to-list ratio (12 mo)

Median sold price, Branford, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 107% above the BRANFORD 32008 median. See the full Branford market guide →

Paper trail

This home's history

CurrentPrice reduced to $529,000 $56K
Oct 3, 2025Listed at $585,000 · 293 days on market since
1989Built · DEVILS ELBOW UNIT 1

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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 1069 SE SUWANNEE TRAIL — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1069 SE SUWANNEE TRAIL — 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.

Goes straight to David’s phone and CRM.

Straight answers

1069 SE SUWANNEE TRAIL FAQs

What would the monthly payment be for 1069 SE SUWANNEE TRAIL?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,781/mo — principal and interest, the actual property-tax bill 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.

What are the property taxes on 1069 SE SUWANNEE TRAIL?+

The most recent tax bill on record (2024) was $3,272. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Branford?+

At $529,000, this home is listed about 4% below the Branford median of $549,000. The market section on this page shows how the area is trending.

Which schools are assigned to 1069 SE SUWANNEE TRAIL?+

Lafayette Elementary School (elementary) — Lafayette County School District. Always verify school assignments with the district before relying on them.

The brief

Five things that matter here

01Positioned at the premium end

$529,000 runs 107% above the BRANFORD 32008 median.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

293 days on market against a Branford median of 28 — sellers in this position are usually ready to negotiate.

04Strong assigned schools

Lafayette Elementary School — Lafayette Elementary School rates 4 of 5. Always verify assignments with the district.

05The price has already moved

Listed at $585,000, now $529,000 — a $56K cut. The full history is in the market section below.

Listing courtesy of UNITED COUNTRY SMITH & ASSOCIATES - NEWBERRY · Gwen Smith. MLS #GC534483.

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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