30009 81ST PLACE, BRANFORD, FL, 32008
Active13 days on marketListed Jul 17, 2026MLS #GC542050
About this home
30009 81ST PLACE
WATERFRONT Suwannee River Home nestled on the banks of the historic Suwannee River, offering beautiful river views from the comfort of your home. This riverfront property features 2 bedrooms and 2.5 baths. The spacious kitchen includes Corian countertops and tile flooring. An open floor plan highlights a gas fireplace and new luxury vinyl plank flooring. The living area opens to two Florida rooms overlooking the river, creating ideal spaces to relax and enjoy the natural surroundings. The owner’s suite offers two walk-in closets, separate vanities, a walk-in shower, and washer/dryer in the bath. The lower level includes a three-car garage, safe room, and two storage/workshop areas, providing ample room for vehicles, tools, hobbies, and river gear. Located in southern Suwannee County in the heart of North Florida’s river country, surrounded by crystal-clear freshwater springs for fishing, swimming, kayaking, paddle boarding, and cave diving. Minutes to Branford and approximately 30 minutes to Live Oak and Lake City. See Documents tab for additional construction and storm-resistant features.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,728
Sqft
0.25 ac
Lot size
3
Garage
1999
Year built
One
Levels
$275
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.
$3,350 /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
$3,350/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 Branford actives
$275 vs $282
Days on market
13 vs 28 typical
Where $275/sqft sits among the 17 Branford 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 Branford
Get to know Branford. See the full Branford guide →
BRANFORD 32008 — neighborhood snapshot
Population
6,263
Median age
39.9
Median income
$49,277
Median home value
$167,600
Avg household
2.56
Households w/ children
711
For the school run
Lafayette County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Branford market
$199K → $255K
Branford median sold, yr/yr
95.1%
Sale-to-list ratio (12 mo)
9 of 17
Branford actives have cut their price
Median sold price, Branford, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 71% above the BRANFORD 32008 median. See the full Branford market guide →
Paper trail
This home's history
Reality check
What actually sold near 30009 81ST PLACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$155,000
148 SE RIVERSIDE WEST DRIVE
2 bd · 1.5 ba · 1,330 sqft · $117/sqft · 112 DOM
Sold · May ’26$290,000
119 SE DORTHIE LAND ROAD
1 bd · 2 ba · 720 sqft · $403/sqft · 14 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 30009 81ST PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 30009 81ST PLACE — 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
30009 81ST PLACE FAQs
What would the monthly payment be for 30009 81ST PLACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,350/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 30009 81ST PLACE?+
The most recent tax bill on record (2025) was $2,203. 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 Branford?+
At $475,000, this home is listed about 13% below the Branford median of $549,000. The market section on this page shows how the area is trending.
Which schools are assigned to 30009 81ST PLACE?+
Lafayette Elementary School (elementary) — Lafayette 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
$475,000 runs 71% above the BRANFORD 32008 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Lafayette Elementary School — Lafayette Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of HOMETOWN REALTY OF NORTH FLORIDA, INC · Natalie Rankin, S. MLS #GC542050.
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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