17416 NW 89TH TERRACE, FANNING SPRINGS, FL, 32693
Active35 days on marketListed Jul 9, 2026MLS #GC541176
About this home
17416 NW 89TH TERRACE
2/2 on 1 fully fenced acre in Fanning Springs -city water, New siding, New flooring, New Kitchen cabinets and brand-new appliances Including gas stove, micro, refrigerator. 30 amps RV Hookup, 2 Sheds with Power, separate Carport, Fiber-Optic Internet, No HOA, Paved Road and streetlights. Cedar trees and Mulberry trees enhance the secluded setting. Perfectly located near Fanning Springs State Park (1 mile) and Manatee Springs State Park, both offering spring-fed swimming, boat launches, and scenic hiking trails. Both parks will take you to the historical Suwannee River and then to the Gulf of Mexico. The property is steps way from the Nature Coast State Trail, ideal for walking and bike riding with easy access to Chiefland or Dixie County. Enjoy close amenities including Walmart, restaurants, medical facilities, and everyday shopping. No HOA gives you full freedom to enjoy the property your way.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,270
Sqft
1 ac
Lot size
1973
Year built
One
Levels
$114
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.
$1,206 /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
$1,206/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 NA
$114 vs $271
Days on market
35 vs 32 typical
Where $114/sqft sits among the 127 homes for sale in NA
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 Fanning Springs
Get to know Fanning Springs. See the full Fanning Springs guide →
FANNING SPRINGS 32693 — neighborhood snapshot
Population
11,692
Median age
46
Median income
$64,128
Median home value
$182,300
Avg household
2.46
Households w/ children
1,358
For the school run
Gilchrist County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Fanning Springs market
$275K → $335K
Fanning Springs median sold, yr/yr
96.8%
Sale-to-list ratio (12 mo)
59 of 127
NA have cut their price
Median sold price, Fanning Springs, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 31% below the FANNING SPRINGS 32693 median. See the full Fanning Springs market guide →
Paper trail
This home's history
Reality check
What actually sold near 17416 NW 89TH TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$195,000
40418 COUNTRY ROAD · same community
3 bd · 1 ba · 1,300 sqft · $150/sqft · 0 DOM
Sold · Jun ’26$230,000
1530 E MINNESOTA AVENUE · same community
2 bd · 1 ba · 1,218 sqft · $189/sqft · 4 DOM
Sold · Feb ’26$825,000
5704 OLD HOMELAND ROAD · same community
3 bd · 2 ba · 1,400 sqft · $589/sqft · 69 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 17416 NW 89TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 17416 NW 89TH 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
17416 NW 89TH TERRACE FAQs
What would the monthly payment be for 17416 NW 89TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,206/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 17416 NW 89TH TERRACE?+
The most recent tax bill on record (2025) was $1,549. 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 Fanning Springs?+
At $144,900, this home is listed about 52% below the Fanning Springs median of $299,900. The market section on this page shows how the area is trending.
Which schools are assigned to 17416 NW 89TH TERRACE?+
Trenton Elementary School (elementary) — Gilchrist County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the FANNING SPRINGS 32693 market on paper
$144,900 is 31% below the FANNING SPRINGS 32693 median of $209,000, and at $114/sqft it sits under the Fanning Springs average of $245.
02Strong assigned schools
Trenton Elementary School — Trenton Elementary School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $149,900, now $144,900 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PRISTINE PROPERTIES TRENTON · Charlene Hovey. MLS #GC541176.
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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