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Overview

4 bd2 ba2,300 sqftSingle Family
TypeSingle Family
HOANone listed
Built1997
Lot130,680 sqft
Living area2,300 sqft
Price / sqft$260

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)High CeilingsVaulted Ceiling(s)Walk-in Closet(s)Wet BarRain GuttersDishwasherDryer

16392 198th Trce is a 1997-built home in Suwannee Belle Estate Unit 2, O'Brien. Inside you'll find 4 bedrooms, 2 bathrooms, and 2,300 square feet of living space. Listed at $599,000 (about $260/sqft), 66 days on market. Flood zone AE-FW - confirm flood insurance requirements with your lender.

From the listing

MUST-SEE CUSTOM-BUILT SUWANNEE RIVER HOME WITH A NATURAL SPRING! This exceptional 2,300 SF, 4-bedroom, 2-bath custom home sits on just over 3 acres and offers approximately 400 feet of beautiful Suwannee River frontage. Designed with comfort, entertaining, and enjoying the outdoors in mind, this unique property offers an incredible North Florida lifestyle surrounded by nature and peaceful river views. Inside, the home features high ceilings, abundant natural light, and beautiful views of the Suwannee River, creating a bright and welcoming atmosphere. The spacious layout provides plenty of room for family and guests, while the home's thoughtful design and custom touches add character throughout. Outdoor living is where this property truly shines. Enjoy the floating dock and freshwater spring at the river's edge, perfect for relaxing, fishing, enjoying the water, or simply taking in the scenery. The gorgeous fenced-in yard provides a private outdoor space, while multiple outbuildings offer additional storage and versatility. A custom fire pit creates the perfect gathering spot for evenings outdoors. For entertaining, the property features a screened room with ceiling fans and a quarter bath, providing a comfortable space to enjoy the outdoors while staying protected from the elements. The spacious front porch includes a freight/automatic lift, while the back deck offers additional outdoor living space with room for a hot tub. Additional features include a tankless hot water heater, whole-house generator, covered parking, and ample storage underneath the home. The property also includes a full RV hookup with a separate septic system, making it ideal for guests, extended stays, or recreational use. With its custom-built home, expansive river frontage, natural spring, dock, acreage, multiple outdoor spaces, RV hookup, generator, and exceptional entertaining features, this is truly a one-of-a-kind riverfront property. Come experience the beauty, privacy, and possibilities this special Suwannee River retreat has to offer!

The essentials

Built
1997
Price / sqft
$260
On market
66 days
Annual tax
$1,866
Flood zone
AE-FW
Lot
130,680 sqft
Type
Single Family Residence

At a glance

Single family
Built 1997
Waterfront
River Front
3.25 acres
Lot size
2,300 sqft
Living area

Payment

Est. monthly payment
$3,579/mo
Down payment (20%)
$119,800
Property taxes
$155/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1997
Lot
130,680 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Circular Driveway, Covered, Driveway, Open, Basement
Waterfront
River Front
Days on Market
66
Ceiling Fans(s)
High Ceilings
Vaulted Ceiling(s)
Walk-in Closet(s)
Wet Bar
Rain Gutters
Dishwasher
Dryer
Range
Refrigerator
Tankless Water Heater
Washer
Elementary
Branford Elementary School
Middle
Suwannee Middle School
High
Branford High School

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone AE-FW
Annual Tax (2025)
$1,866
Parcel #
02-05S-12E-10850-000951

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Suwannee Belle Estate Unit 2
County
Suwannee
MLS Area
32071 - O Brien
Lot Size
130,680 sqft
In CountyLandscapedOversized Lot

Price history

Date
Event
Price
10/12/2026
Price change
Source: Stellar MLS #D6148407
$599,000-9.2%
$260/sqft
-
Price change
Source: Stellar MLS #D6148407
$660,000-2.2%
$287/sqft
8/14/2026
Listed for sale
Source: Stellar MLS #D6148407
$675,000
$293/sqft

Neighborhood

16392 198th Trce
O'Brien, FL, 32071 · 32071 - O Brien

Market insights

Offer Insights

Choose an offer strength

List price: $599,000
$575,000 – $599,000
95.7% – 100% of listTops out right at the list price
80% of listList price
22 of the last 42 home closings in Suwannee County landed at this number or higher (52%). The median one sat 48 days before it went under contract, and this one is on day 66 after a $76,000 cut.

Sample: 42 closed home sales in Suwannee County over the last 8 months, Stellar MLS. Widened past this ZIP to get a usable sample. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$3,579/mo
Principal & interest$3,124
Property taxes$155
Insurance$300
Down payment20% · $119,800
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$599,000

$260 per sq ft

Beds and baths

4 beds, 2 baths

Size

2,300 sq ft

Time on market

66 days

Year built

1997

Monthly payment

About $3,579/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,866 annual tax bill, insurance.

Flood zone

Zone AE-FW

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

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Brokered byCENTURY 21 SUNBELT REALTYListing agent: Jayson BurtchListing data from Stellar MLS, MLS# D6148407.

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