12890 NE 21ST TERRACE, BRANFORD, FL, 32008
Active115 days on marketListed Apr 14, 2026MLS #GC539437
About this home
12890 NE 21ST TERRACE
Experience the very best of waterfront living on the crystal-clear, spring-fed Santa Fe River in Branford! This stunning new construction home, built in 2025, offers 3 bedrooms and 3 bathrooms on a beautifully situated 1/2-acre riverfront lot with breathtaking views and direct water access. Designed for both comfort and style, this two-story home features a residential elevator for easy access to both levels. On the main floor there are 2 bedrooms. One has a private bath with large walk-in shower and the other bathroom gives access from the 2nd bedroom or hallway. The master bedroom has privacy at it is located on the upper floor with a small landing and storage room before entering the massive bedroom. This MBath has a tub/shower and large walk-in closet. All rooms have tall 10' ceilings and attention to detail cannot be missed. Transoms above the windows allow the natural light to pour in without losing privacy. The heart of the home is a show-stopping kitchen complete with a large island, stone countertops, a commercial-grade gas range, wine cooler, and a classic cast iron farmhouse sink—perfect for entertaining or everyday living. Enjoy the outdoors year-round with expansive covered porches on both the front and back of the home, all finished with durable composite decking on the porches and stairs. Take in peaceful river views, unwind with your morning coffee, or host gatherings with the water as your backdrop. The ground level is thoughtfully designed with a fully concreted area, ideal for parking, storage, or entertaining. A beautiful pathway of large concrete pavers leads you down to the river’s edge, where you’ll find an aluminum gangway, floating dock with swim ladder, and boat mooring—ready for boating, swimming, and enjoying everything river life has to offer. Whether you’re searching for a full-time residence or the ultimate riverfront getaway, this exceptional property delivers modern luxury in a serene, natural setting. Don’t miss your opportunity to own a brand-new home on one of North Florida’s most sought-after rivers!
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,616
Sqft
0.49 ac
Lot size
2025
Year built
Two
Levels
$420
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.
$6,679 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$6,679/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Branford actives
$420 vs $250
Days on market
115 vs 31 typical
Where $420/sqft sits among the 15 Branford actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Branford
Get to know Branford. See the full Branford guide →
BRANFORD 32008 — neighborhood snapshot
Population
6,263
Median age
39.9
Median income
$49,277
Median home value
$167,600
Avg household
2.56
Households w/ children
711
For the school run
Lafayette County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Branford market
$199K → $345K
Branford median sold, yr/yr
95.5%
Sale-to-list ratio (12 mo)
7 of 15
Branford actives have cut their price
Median sold price, Branford, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 331% above the BRANFORD 32008 median. See the full Branford market guide →
Paper trail
This home's history
Reality check
What actually sold near 12890 NE 21ST TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$175,000
992 SW NEWARK DRIVE
3 bd · 2 ba · 1,836 sqft · $95/sqft · 79 DOM
Sold · Oct ’25$200,000
225 SW CALIFORNIA TERRACE
3 bd · 2 ba · 1,792 sqft · $112/sqft · 58 DOM
Sold · Aug ’25$610,000
2129 NE 120TH LOOP
3 bd · 3 ba · 1,776 sqft · $343/sqft · 3 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 12890 NE 21ST TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12890 NE 21ST TERRACE — 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
12890 NE 21ST TERRACE FAQs
What would the monthly payment be for 12890 NE 21ST TERRACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,679/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 12890 NE 21ST TERRACE?+
The most recent tax bill on record (2025) was $2,126. 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 Branford?+
At $1,099,000, this home is listed about 120% above the Branford median of $499,500. The market section on this page shows how the area is trending.
Which schools are assigned to 12890 NE 21ST TERRACE?+
Lafayette Elementary School (elementary) — Lafayette County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$1,099,000 runs 331% above the BRANFORD 32008 median — but at 2,616 sqft it's also 35% larger than the typical Branford listing.
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
115 days on market against a Branford median of 31 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Lafayette Elementary School — Lafayette Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $1,200,000, now $1,099,000 — a $101K cut. The full history is in the market section below.
Listing courtesy of HOMETOWN REALTY OF NORTH FLORIDA, INC · Natalie Rankin, S. MLS #GC539437.
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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