David Ramirez
$1,650,000$1,795,0003 bd4.5 ba2,791 sqft$591 /sqft$10,829 /mo all-in ↓

174 NE 972ND STREET, BRANFORD, FL, 32008

Active231 days on marketListed Dec 18, 2025MLS #GC536074

Reduced $145KWaterfrontSingle Family ResidenceSUWANNEE RIVER ACRES

About this home

174 NE 972ND STREET

Enjoy true riverfront living on the Suwannee River in North Central Florida. This beautifully crafted two story riverfront home showcases solid construction and thoughtful design inside and out, offering an exceptional blend of comfort, function, and river lifestyle. Step inside to beautiful woodwork with custom built ins and cabinetry, along with vaulted ceilings that create an open and welcoming atmosphere. The craftsmanship throughout the home is truly impressive and best appreciated in person. Just off the entryway, a full size bar with sink and wine fridge sits beside the recreation room with pool table. An elevator adds everyday convenience, making it easy to transport groceries, supplies, and more between levels. The fully equipped kitchen features stainless steel appliances with custom cabinetry and opens to a spacious living room with a gas burning fireplace. The primary suite is located on the second floor and includes a large walk in closet, master bath, a private office, and a balcony overlooking the river, perfect for enjoying peaceful mornings or evening sunsets. Additional bedrooms and bathrooms provide ample space for guests. Outdoor living is where this property truly shines. A large screened porch sits just off the dining area, while elevated Trex decking features an outdoor kitchen with grill and bar area with sink, plus a full outdoor bathroom with private shower. A paver walkway leads down to a firepit area, perfect for cool evenings. The private two story dock includes a boat lift, a screened room on the lower level, and a spacious upper sitting area with an outdoor dock shower. At night, the lighting along the home and dock creates a stunning view from the river’s edge. Two large storage rooms beneath the home provide additional space. Also included is a separate building featuring a home gym with sauna, along with an RV and boat storage area with a half bath. This building has its own septic system, water, and electric, including four 50 amp RV hookups, offering excellent flexibility for storage, hobbies, equipment, or room for extra guests. The property sits on a 2.2 acre lot that is fully fenced and secured with an electronic gate. Additional features include a paved circular driveway, irrigation system, and mature landscaping. Conveniently located just 400 feet off Highway 340, with easy access to Newberry, High Springs, and Alachua. A public boat ramp is approximately 300 feet away, and Rock Bluff Springs is just about 1,000 feet from the property. This exceptional Suwannee River retreat offers privacy, space, and the laid back river lifestyle North Florida is known for. A truly one of a kind property.

Facts & features

The home at a glance

3

Bedrooms

4.5

Bathrooms

2,791

Sqft

2.2 ac

Lot size

2004

Year built

Two

Levels

$591

Per sqft

WaterfrontFireplaceWater viewNegotiable

Inside

FlooringCeramic Tile · Engineered Hardwood · Luxury Vinyl
AppliancesBar Fridge · Convection Oven · Dishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Microwave · Refrigerator · Washer · Wine Refrigerator
InteriorBuilt-in Features · Cathedral Ceiling(s) · Ceiling Fan(s) · Chair Rail · Crown Molding · Elevator · High Ceilings · PrimaryBedroom Upstairs · Solid Wood Cabinets · Stone Counters · Thermostat · Tray Ceiling(s) · Vaulted Ceiling(s) · Walk-In Closet(s) · Wet Bar · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric
FurnishedNegotiable

Outside & construction

RoofMetal
ConstructionHardiPlank Type
FoundationStilt/On Piling
ViewWater
FacesSouth
ExteriorFire Pit · Irrigation System · Lighting · Outdoor Kitchen · Outdoor Shower · Permeable Paving · Private Entrance · Private Mailbox · Private Yard · RV Hookup · Sauna · Sidewalk · Storage

Community & fees

Taxes (2025)$13,760/yr

Utilities & systems

UtilitiesBB/HS Internet Available · Electricity Connected · Private · Street Lights · Water Connected
WaterPrivate · Well

The numbers

What it really costs

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

$10,829 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$8,903
PMI (est., until 20% equity)$619
Property tax — 2025 actual bill$1,147
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $165,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

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

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $165,000
Interest rate6.00%
Loan term

Estimated payment

$10,829/mo

Principal & interest$8,903
PMI (est., until 20% equity)$619
Property taxes (actual bill)$1,147
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

$/sqft vs Branford actives

$591 vs $250

Days on market

231 vs 31 typical

Where $591/sqft sits among the 15 Branford actives

8
5
0
0 · this home
0
2
$133–277$277–422$422–566$566–711$711–855$855+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Branford

Map of 174 NE 972ND STREET

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 marketBalanced6.9 months of inventoryBuyer’s market

$199K$345K

Branford median sold, yr/yr

95.5%

Sale-to-list ratio (12 mo)

7 of 15

Branford actives have cut their price

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

This home is listed 547% above the BRANFORD 32008 median. See the full Branford market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,650,000 $145K
Dec 18, 2025Listed at $1,795,000 · 231 days on market since
2004Built · SUWANNEE RIVER ACRES

Reality check

What actually sold near 174 NE 972ND STREET

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

6247 NW 35TH STREETSold · Apr ’26

$493,000

6247 NW 35TH STREET

2 bd · 2 ba · 1,680 sqft · $293/sqft · 74 DOM

6669 NW 36TH LANESold · Mar ’26

$155,000

6669 NW 36TH LANE

3 bd · 2 ba · 1,360 sqft · $114/sqft · 202 DOM

337 NE 937TH AVENUESold · Feb ’26

$190,000

337 NE 937TH AVENUE

3 bd · 2 ba · 1,176 sqft · $162/sqft · 87 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 174 NE 972ND STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 174 NE 972ND STREET — 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.

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Straight answers

174 NE 972ND STREET FAQs

What would the monthly payment be for 174 NE 972ND STREET?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,829/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 174 NE 972ND STREET?+

The most recent tax bill on record (2025) was $13,760. 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 $1,650,000, this home is listed about 230% above the Branford median of $499,500. The market section on this page shows how the area is trending.

Which schools are assigned to 174 NE 972ND STREET?+

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

$1,650,000 runs 547% above the BRANFORD 32008 median — but at 2,791 sqft it's also 44% larger than the typical Branford listing.

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

231 days on market against a Branford median of 31 — 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 $1,795,000, now $1,650,000 — a $145K cut. The full history is in the market section below.

Listing courtesy of WATSON REALTY CORP · Haley Woodard. MLS #GC536074.

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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174 NE 972ND STREET, BRANFORD, FL — 3 Bed, 4.5 Bath — $1,650,000 | CENTURY 21 Edge