
306 SE 256 STREET, SUWANNEE, FL, 32692
Active26 days on marketListed Jul 4, 2026MLS #GC541687
About this home
306 SE 256 STREET
WATERFRONT OPPORTUNITY IN SUWANNEE WITH THREE LOTS, PRIVATE BOAT RAMP & CANAL ACCESS. This unique property includes a total of three lots situated on a canal with a concrete seawall, private boat ramp, and RV hookup. Located on a quiet dead-end road with federally owned land across the street, the property offers added privacy and a natural setting that's hard to find. The home offers 3 bedrooms and 2 bathrooms and is being sold AS-IS after sustaining hurricane damage. It has been completely gutted, providing the next owner with the opportunity to renovate or rebuild to their own vision. Prior to the storm, the home received significant updates including a metal roof, impact-rated storm windows, and an HVAC system, all less than five years old. Power remains connected to the home. The spacious primary suite features a generously sized bedroom along with an attached sitting area that offers endless possibilities. This flexible space could serve as a home office, reading nook, nursery, hobby area, or additional sleeping space and provides access to the private porch overlooking the canal. Outdoor features include a covered fish cleaning station, a screened porch off the living room with sliding glass doors, and an additional screened side porch. Tongue-and-groove ceilings remain in the living room, kitchen, and rear screened porch, preserving the home's coastal character. With direct access to the Suwannee River and the Gulf of Mexico, this property is ideal for boating, fishing, and enjoying Florida's waterfront lifestyle. PHOTOS ARE AI THAT IS SHOWING YOU WHAT IT COULD POTENTIALLY LOOK LIKE AGAIN. Buyer and buyer's agent to verify all property information, measurements, zoning, and future use.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,690
Sqft
0.33 ac
Lot size
1965
Year built
One
Levels
$236
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.
$3,093 /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
$3,093/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.
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 39% above the SUWANNEE 32692 median. See the full Suwannee market guide →
Paper trail
This home's history
Reality check
What actually sold near 306 SE 256 STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$1,100,000
6780 NW 41ST CIR CIRCLE · same community
4 bd · 3 ba · 2,478 sqft · $444/sqft · 285 DOM
Sold · Mar ’26$335,000
78 SE 901 AVENUE
3 bd · 2 ba · 1,680 sqft · $199/sqft · 229 DOM
Sold · Nov ’25$242,000
28 NE 229TH STREET
3 bd · 2 ba · 1,212 sqft · $200/sqft · 68 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 306 SE 256 STREET — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 306 SE 256 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
306 SE 256 STREET FAQs
What would the monthly payment be for 306 SE 256 STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,093/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 306 SE 256 STREET?+
The most recent tax bill on record (2025) was $4,893. 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 306 SE 256 STREET?+
The listing reports pets: Cats OK, Dogs OK. 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 Suwannee?+
At $399,000, this home is listed about 13% below the Suwannee median of $457,500. The market section on this page shows how the area is trending.
Which schools are assigned to 306 SE 256 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
$399,000 runs 39% above the SUWANNEE 32692 median — but at 1,690 sqft it's also 30% larger than the typical Suwannee listing.
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
26 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.
Keep looking
Similar homes nearby
Listing courtesy of UNITED COUNTRY SMITH & ASSOCIATES - NEWBERRY · Jessica Vance. MLS #GC541687.
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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