38 SE 195TH STREET, SUWANNEE, FL, 32692
Active41 days on marketListed Jun 23, 2026MLS #GC541382
About this home
38 SE 195TH STREET
Experience the best of Florida waterfront living in this beautiful, fully renovated, high and dry 3-bedroom, 2-bathroom home located in the coastal town of Suwannee, where the Suwannee River meets the Gulf. Offering stunning water views and exceptional boating access, this property is a rare opportunity for anglers, boaters, and anyone seeking a peaceful coastal retreat. Inside, the home has been completely renovated with modern finishes throughout, including all new flooring, new paint, new bathrooms, a fully remodeled kitchen, new HVAC, and numerous additional renovations. The open and inviting interior is designed to maximize comfort while complementing the surrounding waterfront setting from every window. Step outside and enjoy multiple levels of expansive low maintenance decking, perfect for entertaining, relaxing, or taking in breathtaking Gulf views and SPECTACULAR sunsets. The property is equipped for serious waterfront enjoyment with two boat lifts, a private dock, RV hookups, and a separate covered dry boat storage area, providing ample space for all your recreational needs. Whether you're looking for a full-time residence, weekend getaway, or investment property, this turnkey waterfront home offers direct access to some of Florida's finest fishing, boating, and natural beauty—all from your own backyard. Owner is a licensed Realtor in Florida.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,440
Sqft
0.89 ac
Lot size
2000
Year built
One
Levels
$659
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.
$6,599 /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
$6,599/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.
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 230% above the SUWANNEE 32692 median. See the full Suwannee market guide →
Paper trail
This home's history
Reality check
What actually sold near 38 SE 195TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$242,000
28 NE 229TH STREET
3 bd · 2 ba · 1,212 sqft · $200/sqft · 68 DOM
Sold · Mar ’26$335,000
78 SE 901 AVENUE
3 bd · 2 ba · 1,680 sqft · $199/sqft · 229 DOM
Sold · Mar ’26$190,000
54 SE 910 AVENUE UNIT 2141
3 bd · 2 ba · 1,161 sqft · $164/sqft · 183 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 38 SE 195TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 38 SE 195TH 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
38 SE 195TH STREET FAQs
What would the monthly payment be for 38 SE 195TH STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,599/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 38 SE 195TH STREET?+
The most recent tax bill on record (2025) was $11,550. 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 $949,000, this home is listed about 107% above the Suwannee median of $457,500. The market section on this page shows how the area is trending.
Which schools are assigned to 38 SE 195TH 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
$949,000 runs 230% 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
41 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.
Listing courtesy of BOSSHARDT REALTY SERVICES LLC · Kevin Banes. MLS #GC541382.
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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