David Ramirez
$399,0003 bd2 ba1,690 sqft$236 /sqft$3,093 /mo all-in ↓

306 SE 256 STREET, SUWANNEE, FL, 32692

Active26 days on marketListed Jul 4, 2026MLS #GC541687

WaterfrontSingle Family ResidenceSUWANNEE SHORES

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

WaterfrontFireplaceWater view

Inside

FlooringOther
AppliancesNone
InteriorAttic Fan · Ninguno
LaundryInside
CoolingCentral Air
HeatingCentral

Outside & construction

RoofMetal
ConstructionHardiPlank Type
FoundationStem Wall
ViewWater
FacesSoutheast
ParkingBoat · Driveway
ExteriorRV Hookup · Sliding Doors

Community & fees

Taxes (2025)$4,893/yr
PetsCats OK, Dogs OK

Utilities & systems

UtilitiesElectricity Connected
WaterPublic

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%

Principal & interest$2,349
FHA mortgage insurance (est.)$176
Property tax — 2025 actual bill$408
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $13,965Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $13,965
Interest rate6.00%
Loan term

Estimated payment

$3,093/mo

Principal & interest$2,349
FHA mortgage insurance (est.)$176
Property taxes (actual bill)$408
Est. insurance$160

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

Map of 306 SE 256 STREET

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

HighDixie County High School★★★★★
ElementaryJames M. Anderson Elementary School★★★★★
ElementaryOld Town Elementary School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Suwannee market

Seller’s marketBalanced6.0 months of inventoryBuyer’s 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

Jul 4, 2026Listed at $399,000 · 26 days on market since
1965Built · SUWANNEE SHORES

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.

6780 NW 41ST CIR CIRCLESold · Dec ’25

$1,100,000

6780 NW 41ST CIR CIRCLE · same community

4 bd · 3 ba · 2,478 sqft · $444/sqft · 285 DOM

78 SE 901 AVENUESold · Mar ’26

$335,000

78 SE 901 AVENUE

3 bd · 2 ba · 1,680 sqft · $199/sqft · 229 DOM

28 NE 229TH STREETSold · 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 306 SE 256 STREET — start here.

Andrew Acosta

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.

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.

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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