1502 NE 644TH STREET, OLD TOWN, FL, 32680
Active112 days on marketListed Apr 9, 2026MLS #OM722511
About this home
1502 NE 644TH STREET
An assumable VA mortgage may be available for qualified buyers, providing a potential financing option. Situated on 2.1 private acres, this 3-bedroom, 2-bathroom home offers the space, privacy, and flexibility that today’s buyers are searching for. Surrounded by mature trees and natural scenery, this property delivers a quiet, peaceful setting while still providing the functionality of a well-designed home. Inside, you’ll find a versatile layout with dual living areas, giving you the freedom to create separate spaces for relaxing, entertaining, working from home, or accommodating guests. The kitchen flows seamlessly into the main living areas, making everyday living comfortable and connected. The primary suite is generously sized and features a walk-in shower along with a spacious bathroom layout. One of the standout features of this property is the screened-in porch—an ideal place to unwind, enjoy the fresh air, and take in the privacy of your land without the hassle of bugs or weather. With 2.1 acres, there is plenty of room to expand, bring your toys, create outdoor living spaces, or simply enjoy the freedom that comes with owning your own land. This home is also equipped with key updates for peace of mind, including a new metal roof (2023), central HVAC (2018), newer water heater, newer well pump, and a water softener system. Washer and dryer are included for added convenience. The property truly shines when it comes to functionality, featuring a large powered exterior shed built in 2023 with two separate spaces, along with an additional 12x24 shed—perfect for storage, workshop use, or hobbies. If you’re looking for privacy, usable acreage, and a home that offers both comfort and flexibility, this property checks all the boxes. An assumable VA mortgage may be available for qualified buyers, providing a potential financing option. FREE APPRAISAL CREDIT WITH IN-HOUSE LENDER
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,512
Sqft
2.1 ac
Lot size
1999
Year built
One
Levels
$146
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.
$1,578 /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
$1,578/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.
vs edgeAI estimate
+7%
$/sqft vs Old Town actives
$146 vs $171
Days on market
112 vs 46 typical
Where $146/sqft sits among the 28 Old Town 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 Old Town
Get to know Old Town. See the full Old Town guide →
OLD TOWN 32680 — neighborhood snapshot
Population
10,445
Median age
51.5
Median income
$47,547
Median home value
$95,300
Avg household
2.54
Households w/ children
951
For the school run
Dixie County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Old Town market
$204K → $274K
Old Town median sold, yr/yr
94.3%
Sale-to-list ratio (12 mo)
13 of 28
Old Town actives have cut their price
Median sold price, Old Town, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 62% above the OLD TOWN 32680 median. See the full Old Town market guide →
Paper trail
This home's history
Reality check
What actually sold near 1502 NE 644TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$175,000
782 NE 173RD AVENUE
3 bd · 2 ba · 1,440 sqft · $122/sqft · 18 DOM
Sold · Jun ’26$249,900
167 NE 212TH AVENUE
3 bd · 2 ba · 1,140 sqft · $219/sqft · 56 DOM
Sold · Mar ’26$130,000
37 NE 676 LANE
2 bd · 1.5 ba · 768 sqft · $169/sqft · 179 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 1502 NE 644TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1502 NE 644TH 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
1502 NE 644TH STREET FAQs
What would the monthly payment be for 1502 NE 644TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,578/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 1502 NE 644TH STREET?+
The most recent tax bill on record (2025) was $310. 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 Old Town?+
At $220,000, this home is listed about 19% below the Old Town median of $272,450. The market section on this page shows how the area is trending.
Which schools are assigned to 1502 NE 644TH STREET?+
Old Town Elementary School (elementary), Dixie County High School (high), James M. Anderson 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
$220,000 runs 62% above the OLD TOWN 32680 median.
02Time on market is leverage
112 days on market against a Old Town median of 46 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Old Town Elementary School, Dixie County High School, James M. Anderson Elementary School — Old Town Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $230,000, now $220,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of GAILEY ENTERPRISES REAL ESTATE · Drew Massey. MLS #OM722511.
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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