David Ramirez

TBD SW 879TH STREET, STEINHATCHEE, FL, 32359

Active149 days on marketListed Feb 24, 2026MLS #GC537856

Priced 47% below the STEINHATCHEE 32359 medianRIVER SHORES AT JENA

About this home

TBD SW 879TH STREET

Discover the perfect spot to build your coastal getaway in Steinhatchee, one of North Florida’s most beloved fishing and boating communities. This vacant lot offers public utilities already available, making your building process that much easier. Located just a stone’s throw from the beautiful Steinhatchee River, you’ll enjoy quick access to some of the best inshore and offshore fishing the Gulf Coast has to offer. An HOA is in place to help protect your investment, with deed restrictions that maintain the quality and character of the neighborhood. This parcel also offers flexibility for buyers, as it can be split and is willing to be sold separately, providing a great opportunity for investors, builders, or those looking to purchase a smaller homesite. A short drive over the nearby bridge brings you right into the heart of Steinhatchee, where you’ll find local marinas, waterfront dining, bait and tackle shops, and small-town charm. This area is widely known for its world-class scalloping season, excellent flats fishing, and easy access to the Gulf for boating adventures. Whether you enjoy kayaking along the river, watching breathtaking sunsets over the water, or spending the day fishing for redfish and trout, Steinhatchee offers an unmatched laid-back coastal lifestyle. If you’ve been looking for a homesite near the water in a welcoming riverfront community, this property provides the ideal opportunity to build your dream home and start enjoying everything Steinhatchee has to offer.

Facts & features

The home at a glance

0.14 ac

Lot size

Pets allowed

Inside

Outside & construction

Community & fees

HOA fee$30/mo
Taxes (2025)$1,320/yr
PetsYes

Utilities & systems

UtilitiesPublic
WaterPublic

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.

$838 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$500
FHA mortgage insurance (est.)$38
Property tax — 2025 actual bill$110
HOA fee — from the listing$30
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $2,975Loan30-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% · $2,975
Interest rate6.00%
Loan term

Estimated payment

$838/mo

Principal & interest$500
FHA mortgage insurance (est.)$38
Property taxes (actual bill)$110
HOA / condo fee$30
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 Steinhatchee

Map of TBD SW 879TH STREET

Get to know Steinhatchee. See the full Steinhatchee guide →

STEINHATCHEE 32359 — neighborhood snapshot

Population

1,406

Median age

58.5

Median income

$51,250

Median home value

$141,900

Avg household

2.24

Households w/ children

97%

For the school run

Dixie County School District

ElementaryJames M. Anderson Elementary School★★★★★
HighDixie County High School★★★★★
ElementaryOld Town Elementary School★★★★

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

The numbers that matter

The Steinhatchee market

Seller’s marketLeans buyer9.0 months of inventoryBuyer’s market

$105K$235K

Steinhatchee median sold, yr/yr

86.8%

Sale-to-list ratio (12 mo)

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

This home is listed 47% below the STEINHATCHEE 32359 median. See the full Steinhatchee market guide →

Paper trail

This home's history

Feb 24, 2026Listed at $85,000 · 149 days on market since

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 TBD SW 879TH 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 TBD SW 879TH 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.

Goes straight to David’s phone and CRM.

Straight answers

TBD SW 879TH STREET FAQs

What would the monthly payment be for TBD SW 879TH STREET?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $838/mo — principal and interest, the actual property-tax bill, the $30/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 TBD SW 879TH STREET?+

The association fee works out to $30 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on TBD SW 879TH STREET?+

The most recent tax bill on record (2025) was $1,320. 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 TBD SW 879TH STREET?+

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 Steinhatchee?+

At $85,000, this home is listed about 78% below the Steinhatchee median of $387,000. The market section on this page shows how the area is trending.

Which schools are assigned to TBD SW 879TH STREET?+

James M. Anderson Elementary School (elementary), Dixie County High School (high), Old Town Elementary School (elementary) — Dixie County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of UNITED COUNTRY SMITH & ASSOCIATES - NEWBERRY · Brad Smith. MLS #GC537856.

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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