9859 NW 38TH TERRACE, BRANFORD, FL, 32008
Active84 days on marketListed May 13, 2026MLS #GC540242
About this home
9859 NW 38TH TERRACE
PERFECT LOCATION....SITTING ON THE BANK OF THE SUWANNEE RIVER only 1/4 mile from the confluence with the SANTA FE RIVER making easy boat rides to several springs and the Ichetucknee River. Also navigable to the Gulf of Mexico to the south. This 3 BD/ 2 BA home is situated on a high bank on 1/2 acre with a concrete block SEA WALL along the 100 ft of river frontage! This is a rare find! At the top of the bank is also a covered deck and steps going down to a floating dock. The home is placed on the lot so that you see WONDERFUL VIEWS of the river from the family room picture windows. The large home (1959 sf) has an open concept living, dining, kitchen floor plan with split plan bedrooms. This kitchen has cabinets galore and a breakfast bar. The dining area boasts a built-in display cabinet with additional storage. In addition to the large, comfortable living room, there is a family room with large windows that face the river and also lead onto a covered porch where you can also sit in the hot tub or just lounge and enjoy wonderful views of the relaxing river and back yard. Don't miss fun on the river the rest of the summer! Call soon to set up your viewing of this amazing property!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,959
Sqft
0.52 ac
Lot size
1994
Year built
One
Levels
$229
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.
$3,276 /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
$3,276/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.
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
$229 vs $282
Days on market
84 vs 31 typical
Where $229/sqft sits among the 16 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 → $960K
Branford median sold, yr/yr
95.5%
Sale-to-list ratio (12 mo)
8 of 16
Branford actives have cut their price
Median sold price, Branford, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 76% above the BRANFORD 32008 median. See the full Branford market guide →
Paper trail
This home's history
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 9859 NW 38TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9859 NW 38TH 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
9859 NW 38TH TERRACE FAQs
What would the monthly payment be for 9859 NW 38TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,276/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 9859 NW 38TH TERRACE?+
The most recent tax bill on record (2025) was $3,286. 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 $449,000, this home is listed about 10% below the Branford median of $499,500. The market section on this page shows how the area is trending.
Which schools are assigned to 9859 NW 38TH TERRACE?+
Lafayette Elementary School (elementary) — Lafayette 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
$449,000 runs 76% above the BRANFORD 32008 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
84 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.
Keep looking
Similar homes nearby
Listing courtesy of HOMETOWN REALTY OF NORTH FLORIDA, INC · Natalie Rankin, S. MLS #GC540242.
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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