David Ramirez
$134,900$148,9002 bd2 ba1,000 sqft$135 /sqft$1,108 /mo all-in ↓

102 NE 138TH STREET, CROSS CITY, FL, 32628

Active139 days on marketListed Mar 26, 2026MLS #GC538837

Priced 13% below the CROSS CITY 32628 medianReduced $14KSingle Family ResidenceCOTTER RILEY ANX

About this home

102 NE 138TH STREET

***Updated Price*** - Seller offering up to $5000 credit towards closing costs, prepaids, or rate buy down with an acceptable offer. Full of character, warmth, and everyday livability, this charming bungalow delivers the kind of opportunity that feels instantly inviting the moment you arrive. Set on a generously sized lot with mature landscaping, this single-family home blends timeless appeal with practical features that make it easy to envision as a full-time residence, weekend retreat, or smart addition to an investment portfolio. Built with classic wood-frame construction and topped with a metal roof, the home offers a welcoming presence and a layout designed for comfortable living. Inside, you’ll find approximately 1,000 square feet of heated space with a bright, functional flow that makes the home feel connected and easy to enjoy. Tile and wood flooring bring a clean, durable finish throughout, while central air and a heat pump provide year-round comfort. The living and dining room combination creates an open, flexible gathering space that feels casual, relaxed, and ready for real life. Whether you’re hosting friends, enjoying a quiet night in, or simply looking for a home that lives bigger than its footprint, the layout works. The kitchen comes equipped with a range and refrigerator, giving you a solid foundation to move right in or personalize over time. An inside laundry area adds another layer of everyday convenience that buyers always appreciate. With two bedrooms and two baths, this home offers a surprisingly versatile setup for its size. The configuration creates flexibility for guests, shared living, or anyone who values having a little extra breathing room. The unfurnished interior is a blank canvas, ready for your design vision, your updates, and your style. Step outside and the lifestyle continues. A screened front porch sets the stage for slow mornings and relaxed evenings, while the rear porch gives you a comfortable space to unwind, entertain, or enjoy the outdoors with added privacy and protection from the elements. The lot itself offers room to breathe, with approximately 0.23 acres to enjoy, expand your outdoor living ideas, or simply appreciate the open feel that’s getting harder and harder to find. Practical infrastructure adds even more value here, with public water, public sewer, electricity connected, cable available, phone available, and sewer and water connections already in place. The home sits on a paved street and features a clear, accessible setting that supports easy day-to-day living. This is the kind of property that stands out because it feels honest, usable, and full of potential. It has the charm. It has the lot. It has the porches. And most importantly, it has that rare ability to make you immediately start imagining what comes next. Whether your vision is cozy and classic, fresh and updated, or somewhere in between, this bungalow is ready to become something special.

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,000

Sqft

0.23 ac

Lot size

1940

Year built

One

Levels

$135

Per sqft

Pets allowed

Inside

FlooringTile · Hardwood
AppliancesElectric Water Heater · Range · Refrigerator
InteriorLiving Room/Dining Room Combo
LaundryInside
CoolingCentral Air
HeatingCentral · Electric · Heat Pump

Outside & construction

RoofMetal
ConstructionWood Frame · Wood Siding
FoundationPillar/Post/Pier
FacesWest
ExteriorOther

Community & fees

Taxes (2025)$1,133/yr
PetsYes

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Phone Available · Sewer Available · Water Connected
WaterPublic

The numbers

What it really costs

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

$1,108 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$794
FHA mortgage insurance (est.)$60
Property tax — 2025 actual bill$94
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $4,722Loan30-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% · $4,722
Interest rate6.00%
Loan term

Estimated payment

$1,108/mo

Principal & interest$794
FHA mortgage insurance (est.)$60
Property taxes (actual bill)$94
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 Cross City

Map of 102 NE 138TH STREET

Get to know Cross City. See the full Cross City guide →

CROSS CITY 32628 — neighborhood snapshot

Population

5,423

Median age

39.7

Median income

$42,029

Median home value

$96,600

Avg household

2.37

Households w/ children

550

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 Cross City market

Seller’s marketLeans buyer24.0 months of inventoryBuyer’s market

$70K$630K

Cross City median sold, yr/yr

96.6%

Sale-to-list ratio (12 mo)

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

This home is listed 13% below the CROSS CITY 32628 median. See the full Cross City market guide →

Paper trail

This home's history

CurrentPrice reduced to $134,900 $14K
Mar 26, 2026Listed at $148,900 · 139 days on market since
1940Built · COTTER RILEY ANX

Reality check

What actually sold near 102 NE 138TH STREET

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

308 NE 152ND STREETSold · Nov ’25

$140,000

308 NE 152ND STREET

3 bd · 1 ba · 960 sqft · $146/sqft · 38 DOM

464 NE 144TH STREETSold · Jan ’26

$191,500

464 NE 144TH STREET

3 bd · 2 ba · 1,144 sqft · $167/sqft · 268 DOM

815 SW 10TH STREETSold · Aug ’26

$260,000

815 SW 10TH STREET

3 bd · 2 ba · 1,222 sqft · $213/sqft · 67 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 102 NE 138TH 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 102 NE 138TH STREET — before you fall in love.

See it in person

Schedule a tour

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Straight answers

102 NE 138TH STREET FAQs

What would the monthly payment be for 102 NE 138TH STREET?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,108/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 102 NE 138TH STREET?+

The most recent tax bill on record (2025) was $1,133. 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 102 NE 138TH 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 Cross City?+

At $134,900, this home is listed about 35% below the Cross City median of $207,000. The market section on this page shows how the area is trending.

Which schools are assigned to 102 NE 138TH 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.

The brief

Four things that matter here

01Under the CROSS CITY 32628 market on paper

$134,900 is 13% below the CROSS CITY 32628 median of $155,000, and at $135/sqft it sits under the Cross City average of $174.

02Time on market is leverage

139 days on market against a Cross City median of 40 — sellers in this position are usually ready to negotiate.

03Strong assigned schools

James M. Anderson Elementary School, Dixie County High School, Old Town Elementary School — Old Town Elementary School rates 4 of 5. Always verify assignments with the district.

04The price has already moved

Listed at $148,900, now $134,900 — a $14K cut. The full history is in the market section below.

Listing courtesy of LPT REALTY, LLC · David Amerio, Jr. MLS #GC538837.

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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