
102 NE 138TH STREET, CROSS CITY, FL, 32628
Active139 days on marketListed Mar 26, 2026MLS #GC538837
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
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.
$1,108 /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
$1,108/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 Cross City
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Cross City 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
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.
Sold · Nov ’25$140,000
308 NE 152ND STREET
3 bd · 1 ba · 960 sqft · $146/sqft · 38 DOM
Sold · Jan ’26$191,500
464 NE 144TH STREET
3 bd · 2 ba · 1,144 sqft · $167/sqft · 268 DOM
Sold · 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 102 NE 138TH STREET — start here.

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
Pick a day that works — this goes straight to David's phone and CRM.
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.
Keep looking
Similar homes nearby
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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