249 SE 228 STREET, SUWANNEE, FL, 32692
Active121 days on marketListed Apr 1, 2026MLS #GC539057
About this home
249 SE 228 STREET
Experience the best of Suwannee, FL waterfront living with this 0.4-acre corner lot, perfectly set up for RV living, fishing retreats, or a weekend getaway. Located in a highly desirable coastal area known for its freshwater canals and direct access to the Gulf, this property is ideal for buyers searching for boating property, canal-front lots, and income-producing RV setups. The lot is fully equipped with a large metal pole barn for RV cover, plus two 50-amp RV hookups, making it move-in ready for full-time living or seasonal use. A standout feature is the spacious boathouse with two slips and a lift, perfect for boaters, anglers, and those looking for easy water access in one of North Florida’s top fishing destinations. Additional improvements include a garage and separate shed with washer and dryer, offering convenience for extended stays or hosting guests. The corner lot layout provides added space and flexibility, while a large mature shade tree creates a relaxing outdoor setting after a day on the water. Whether you’re searching for a Suwannee River property, Gulf access lot, RV-friendly land, or a turnkey fishing getaway, this property checks all the boxes. Opportunities like this—combining boathouse, RV setup, and canal access—are highly sought after in the Suwannee and Old Town markets.
Facts & features
The home at a glance
0.4 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 — not generic estimates.
$2,527 /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
$2,527/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 Suwannee
Get to know Suwannee. See the full Suwannee guide →
SUWANNEE 32692 — neighborhood snapshot
Population
67
Median age
78.7
Avg household
1.72
For the school run
Dixie County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Suwannee market
$270K → $438K
Suwannee median sold, yr/yr
95.0%
Sale-to-list ratio (12 mo)
Median sold price, Suwannee, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 14% above the SUWANNEE 32692 median. See the full Suwannee market guide →
Paper trail
This home's history
Reality check
What actually sold near 249 SE 228 STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$135,000
94 SE 899 AVENUE · same community
1 bd · 1 ba · 360 sqft · $375/sqft · 229 DOM
Sold · May ’26$438,000
364 NE 256TH AVENUE · same community
2 bd · 2.5 ba · 1,144 sqft · $383/sqft · 7 DOM
Sold · Mar ’26$335,000
78 SE 901 AVENUE · same community
3 bd · 2 ba · 1,680 sqft · $199/sqft · 229 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 249 SE 228 STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 249 SE 228 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
249 SE 228 STREET FAQs
What would the monthly payment be for 249 SE 228 STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,527/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 249 SE 228 STREET?+
The most recent tax bill on record (2025) was $3,411. 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 Suwannee?+
At $329,000, this home is listed about 28% below the Suwannee median of $457,500. The market section on this page shows how the area is trending.
Which schools are assigned to 249 SE 228 STREET?+
Dixie County High School (high), James M. Anderson Elementary School (elementary), 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
01Positioned at the premium end
$329,000 runs 14% above the SUWANNEE 32692 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
121 days on market against a Suwannee median of 1 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Dixie County High School, James M. Anderson Elementary School, Old Town Elementary School — Old Town Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of UNITED COUNTRY SMITH & ASSOCIATES - NEWBERRY · Brad Smith. MLS #GC539057.
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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