3130 SW 86TH WAY, BELL, FL, 32619
Active197 days on marketListed Jan 12, 2026MLS #GC536381
About this home
3130 SW 86TH WAY
MOTIVATED SELLERS! Escape to the ultimate waterfront lifestyle with this charming three-bedroom, two-and-a-half-bath home nestled on a spacious lot along the scenic Suwannee River, just minutes from Hart Springs. Designed for those who truly want to live on the water, this property offers a rare combination of comfort, entertainment, and direct river access with a private dock and boat ramp—making every day on the Suwannee effortless and unforgettable. Take in breathtaking river views from the expansive upstairs deck, the perfect place to enjoy morning coffee, evening sunsets, or watch boats glide by. Inside, the kitchen seamlessly blends style and function, featuring a stainless steel double oven, electric cooktop, and a center island with bar seating ideal for casual dining or entertaining. A well-placed window above the sink fills the space with natural light, creating a bright and inviting atmosphere. Downstairs, the sunroom provides a peaceful retreat while staying connected to the outdoors—perfect for relaxing after a day on the river. Step outside to an entertainer’s dream, complete with a fully equipped outdoor kitchen and bar, a cozy firepit, and a spa tucked beneath a charming pergola—your own private oasis for relaxation and gatherings alike. What truly sets this property apart is the private dock and boat ramp, offering unmatched convenience for boating, fishing, kayaking, and exploring the Suwannee River at a moment’s notice. Launch your boat with ease, spend the day on the water, and return home to your own riverfront sanctuary. The fully fenced yard ensures privacy and peace of mind, while an outdoor shed provides ample storage for tools, gear, and river toys. This is more than a home—it’s a lifestyle where waterfront living, effortless boating, and unforgettable memories come together. Don’t miss this rare opportunity to own a slice of paradise on the Suwannee River—where the water is always calling and home is waiting.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,620
Sqft
0.6 ac
Lot size
1965
Year built
Two
Levels
$355
Per sqft
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 — not generic estimates.
$3,893 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$3,893/mo
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 NOT ASSIGNED
$355 vs $223
Days on market
197 vs 41 typical
Where $355/sqft sits among the 14 homes for sale in NOT ASSIGNED
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 Bell
Get to know Bell. See the full Bell guide →
BELL 32619 — neighborhood snapshot
Population
5,227
Median age
40.9
Median income
$62,045
Median home value
$177,600
Avg household
2.69
Households w/ children
615
For the school run
Gilchrist County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Bell market
$230K → $673K
Bell median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
9 of 14
NOT ASSIGNED have cut their price
Median sold price, Bell, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 140% above the BELL 32619 median. See the full Bell market guide →
Paper trail
This home's history
Reality check
What actually sold near 3130 SW 86TH WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$299,900
3639 NE 80TH AVENUE · same community
3 bd · 2 ba · 1,728 sqft · $174/sqft · 16 DOM
Sold · Nov ’25$182,300
20016 SE 219TH AVENUE · same community
3 bd · 1 ba · 1,880 sqft · $97/sqft · 64 DOM
Sold · Mar ’26$443,000
7 HEATHER LANE · same community
3 bd · 2 ba · 1,933 sqft · $229/sqft · 306 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 3130 SW 86TH WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3130 SW 86TH WAY — 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
3130 SW 86TH WAY FAQs
What would the monthly payment be for 3130 SW 86TH WAY?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,893/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 3130 SW 86TH WAY?+
The most recent tax bill on record (2025) was $4,978. 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 Bell?+
At $575,000, this home is listed about 92% above the Bell median of $300,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3130 SW 86TH WAY?+
Trenton Elementary School (elementary) — Gilchrist County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$575,000 runs 140% above the BELL 32619 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
197 days on market against a Bell median of 41 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Trenton Elementary School — Trenton Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of WATSON REALTY CORP- TIOGA · Kristi Crane. MLS #GC536381.
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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