470 SW SANTA FE DRIVE, FORT WHITE, FL, 32038
Active43 days on marketListed Jun 24, 2026MLS #GC541395
About this home
470 SW SANTA FE DRIVE
Remarkable rare opportunity to own approx 2 acres on the Santa Fe River in the highly sought-after Three Rivers Estates community on a double lot. This cabin-style river home is perfectly positioned on a scenic bend in the river, offering views both upstream and downstream. Designed to enjoy the waterfront setting, the home features wraparound porches, a massive rear deck overlooking the river, and a private boardwalk that winds through impressive cypress trees to a covered riverside deck. Inside are 2 bedrooms, 1 full bathroom, a sunroom with river views, and a wood-burning stove. The lower level offers a partially finished game room with a half bath and additional storage space. Outside, you'll also find a full walk-in outdoor shower and a garage/storage area perfect for a golf cart, lawn mower, or all of your river toys. A new roof was installed in 2025. Three Rivers Estates property owners enjoy exclusive access to multiple private parks with boat ramps on both the Santa Fe and Ichetucknee Rivers, providing endless opportunities for boating, kayaking, tubing, paddleboarding, and fishing. The property is just minutes from Ichetucknee Springs, Ginnie Springs, Poe Springs, Blue Springs, Rum Island, and several other North Florida springs. Whether you're looking for a private river retreat, a full-time residence, or an income-producing short-term rental, this is a rare opportunity to own one of the Santa Fe River's most desirable waterfront locations.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,269
Sqft
2 ac
Lot size
1981
Year built
One
Levels
$464
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.
$3,615 /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
$3,615/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 Fort White actives
$464 vs $260
Days on market
43 vs 70 typical
Where $464/sqft sits among the 14 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
$330K → $351K
Fort White median sold, yr/yr
97.5%
Sale-to-list ratio (12 mo)
9 of 14
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 127% above the FORT WHITE 32038 median. See the full Fort White market guide →
Paper trail
This home's history
Reality check
What actually sold near 470 SW SANTA FE DRIVE
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 · Jul ’26$335,000
672 SW NEWARK DRIVE · same community
3 bd · 2 ba · 1,493 sqft · $224/sqft · 26 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 470 SW SANTA FE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 470 SW SANTA FE DRIVE — 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
470 SW SANTA FE DRIVE FAQs
What would the monthly payment be for 470 SW SANTA FE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,615/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 470 SW SANTA FE DRIVE?+
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 470 SW SANTA FE DRIVE?+
The most recent tax bill on record (2026) was $487. 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 470 SW SANTA FE DRIVE?+
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 $589,000, this home is listed about 55% above the Fort White median of $379,000. The market section on this page shows how the area is trending.
Which schools are assigned to 470 SW SANTA FE DRIVE?+
Fort White Elementary School (elementary) — Columbia County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$589,000 runs 127% above the FORT WHITE 32038 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $599,000, now $589,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of GARRETT REALTY · Katie Garrett. MLS #GC541395.
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.
Never miss a listing
New Fort White homes, in your inbox
Like 470 SW SANTA FE DRIVE but not quite? A daily digest of every new listing in Fort White — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →