21103 NE 117TH AVENUE, WALDO, FL, 32694
Active202 days on marketListed Jan 15, 2026MLS #GC536588
About this home
21103 NE 117TH AVENUE
Welcome to The Cove Subdivision on Lake Santa Fe. This highly sought-after 1+ acre open builder homesite is nestled among beautiful custom homes in a quiet, established lake community with only a limited number of buildable lots remaining. If plans for a two-story residence, this property offers the opportunity to enjoy serene lake views and peaceful surroundings while still being part of a well-maintained neighborhood. Residents enjoy access to Lake Santa Fe, one of Florida’s most desirable lakes with access to a community dock and boat ramp located just a few miles away. This approximately 6,000-acre, spring-fed recreational lake is ideal for boating, water skiing, wakeboarding, jet skiing, swimming, kayaking, fishing, and taking in breathtaking sunset views. The Cove is a homes-only community featuring paved roads, underground utilities, and a tranquil atmosphere; perfect for building your dream lake-area retreat.
Facts & features
The home at a glance
1.1 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.
$820 /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
$820/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 Waldo
Get to know Waldo. See the full Waldo guide →
WALDO 32694 — neighborhood snapshot
Population
1,870
Median age
58.9
Median income
$40,455
Median home value
$121,300
Avg household
1.87
Households w/ children
119
For the school run
Alachua County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Waldo market
$298K → $360K
Waldo median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
Median sold price, Waldo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 56% below the WALDO 32694 median. See the full Waldo market guide →
Paper trail
This home's history
Reality check
What actually sold near 21103 NE 117TH AVENUE
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$328,500
21104 NE 114TH AVENUE · same community
3 bd · 3 ba · 1,664 sqft · $197/sqft · 19 DOM
Sold · Aug ’25$490,000
21179 NE 115TH PLACE · same community
3 bd · 3 ba · 2,221 sqft · $221/sqft · 156 DOM
Sold · Sep ’25$495,000
21015 NE 115TH · same community
4 bd · 3 ba · 2,733 sqft · $181/sqft · 204 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 21103 NE 117TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 21103 NE 117TH AVENUE — 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
21103 NE 117TH AVENUE FAQs
What would the monthly payment be for 21103 NE 117TH AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $820/mo — principal and interest, the actual property-tax bill, the $33/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 21103 NE 117TH AVENUE?+
The association fee works out to $33 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 21103 NE 117TH AVENUE?+
The most recent tax bill on record (2025) was $769. 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 21103 NE 117TH AVENUE?+
The listing reports pets: No. 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 Waldo?+
At $89,000, this home is listed about 73% below the Waldo median of $324,750. The market section on this page shows how the area is trending.
Which schools are assigned to 21103 NE 117TH AVENUE?+
Chester Shell Elementary School (elementary) — Alachua County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of RESOURCE REALTY, LLC · Eric Buigas. MLS #GC536588.
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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