264 SW CENTRAL TERRACE, FORT WHITE, FL, 32038
Active73 days on marketListed May 12, 2026MLS #GC540286
About this home
264 SW CENTRAL TERRACE
Tucked away on a heavily wooded and private lot in the highly sought-after Three Rivers Estates community, this completely renovated 2BR/2BA doublewide on almost an acre offers the perfect blend of modern updates and North Florida outdoor living. Practically everything in the home is brand new, including a new roof, new flooring, fresh interior paint, new cabinets, granite countertops, stainless steel appliances, updated fixtures, and more—making this property truly move-in ready.Surrounded by mature trees for added privacy and shade, the property also features a nice metal shed for additional storage, tools, or outdoor equipment. Whether you’re looking for a full-time residence, weekend retreat, or vacation rental opportunity, this property checks all the boxes. Located in the heart of Three Rivers Estates, residents enjoy access to multiple private neighborhood parks along the Santa Fe River and Ichetucknee River, with nearby boat ramps, swimming areas, and endless opportunities for kayaking, tubing, fishing, and enjoying the crystal-clear springs that make this area so desirable. Several of the neighborhood river parks are just minutes from the home, giving you quick and easy access to the water and outdoor recreation year-round. Conveniently located near Fort White, High Springs, and some of North Florida’s most beautiful springs, this is your opportunity to enjoy the peaceful river lifestyle with all the hard work already done.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
920
Sqft
0.92 ac
Lot size
1992
Year built
One
Levels
$183
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 and the real association fee — not generic estimates.
$1,279 /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
$1,279/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 Fort White actives
$183 vs $266
Days on market
73 vs 10 typical
Where $183/sqft sits among the 16 Fort White 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 Three Rivers Estates
Get to know Fort White. See the full Fort White guide →
Three Rivers Estates — neighborhood snapshot
Population
1,724
Median age
46
Median income
$51,123
Median home value
$161,335
Avg household
3
Households w/ children
186
For the school run
Columbia County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Fort White market
$305K → $289K
Fort White median sold, yr/yr
96.8%
Sale-to-list ratio (12 mo)
10 of 16
Fort White actives have cut their price
Median sold price, Fort White, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 35% below the FORT WHITE 32038 median. See the full Fort White market guide →
Paper trail
This home's history
Reality check
What actually sold near 264 SW CENTRAL TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$235,000
4113 288TH TERRACE · same community
2 bd · 2 ba · 1,316 sqft · $179/sqft · 59 DOM
Sold · Dec ’25$120,750
4109 282ND TERRACE · same community
3 bd · 2 ba · 1,373 sqft · $88/sqft · 78 DOM
Sold · May ’26$180,000
448 SW CENTRAL TERRACE · same community
3 bd · 2 ba · 1,512 sqft · $119/sqft · 90 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 264 SW CENTRAL TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 264 SW CENTRAL 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
264 SW CENTRAL TERRACE FAQs
What would the monthly payment be for 264 SW CENTRAL TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,279/mo — principal and interest, the actual property-tax bill, the $15/mo association fee 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.
How much are the HOA fees at 264 SW CENTRAL TERRACE?+
The association fee works out to $15 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 264 SW CENTRAL TERRACE?+
The most recent tax bill on record (2025) was $494. 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 264 SW CENTRAL TERRACE?+
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 Fort White?+
At $168,000, this home is listed about 57% below the Fort White median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 264 SW CENTRAL TERRACE?+
Fort White Elementary School (elementary) — Columbia County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of GARRETT REALTY · Katie Garrett. MLS #GC540286.
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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