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Overview

3 bd3 ba1,649 sqftSingle Family
TypeSingle Family
HOA$175/yr
Built1999
Lot37,462 sqft
Living area1,649 sqft
Price / sqft$586

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About this home

Cathedral Ceiling(s)Ceiling Fans(s)High CeilingsLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorFire PitPrivate Entrance

1376 Riverside Ave is a 1999-built home in Three Rivers Estates, Fort White. Inside you'll find 3 bedrooms, 3 bathrooms, and 1,649 square feet of living space. Listed at $965,900 (about $586/sqft), 217 days on market. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $175 annually.

From the listing

Experience true Old Florida living with this one-of-a-kind cedar-sided home positioned directly on the sought-after Ichetucknee River, this fully furnished, turnkey property offers a rare opportunity for a short-term rental investor, vacation-home buyer, or anyone seeking a waterfront retreat in North Florida’s springs region. The cedar-sided home features 3 bedrooms and 2 bathrooms, with two bedrooms and both full baths downstairs. Upstairs, a bright loft leads to the third bedroom, providing flexible sleeping accommodations for owners and guests. Large windows bring in natural light, while the living area is centered around a distinctive cobblestone wood-burning fireplace. The kitchen offers tile countertops and stainless-steel appliances. A screened porch overlooks the natural riverfront setting, and a private boardwalk leads to an open deck along the clear Ichetucknee River—an ideal spot for wildlife viewing, paddling, swimming, or simply enjoying the water. The Three Rivers Estates community includes nine private parks with access to the Ichetucknee and Santa Fe Rivers, including a members-only boat ramp on the Santa Fe. This property has strong potential as an Airbnb or VRBO destination near North Florida’s rivers and springs. Buyers should independently verify short-term rental eligibility, licensing requirements, and projected income.

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The essentials

Built
1999
Price / sqft
$586
On market
217 days
Annual tax
$4,115
HOA
$175/yr
Flood zone
AE
Lot
37,462 sqft
Type
Single Family Residence

At a glance

Single family
Built 1999
Waterfront
River Front
0.86 acres
Lot size
1,649 sqft
Living area

Payment

Est. monthly payment
$5,879/mo
Down payment (20%)
$193,180
Property taxes
$343/mo
HOA
$175/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1999
Lot
37,462 sqft
Cooling
Central Air
Heating
Electric, Heat Pump
Parking
Driveway
Waterfront
River Front
Days on Market
217
Cathedral Ceiling(s)
Ceiling Fans(s)
High Ceilings
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Fire Pit
Private Entrance
Private Mailbox
Private Yard
Association Recreation - Owned
Park
Dishwasher
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Water Softener
Elementary
Fort White Elementary School-CO
Middle
Fort White High School-CO
High
Fort White High School-CO

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

Flood Zone AE
Annual Tax (2025)
$4,115
Parcel #
00-00-00-00568-015

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
Three Rivers Estates
County
Columbia
MLS Area
32038 - Fort White
Lot Size
37,462 sqft
FloodZoneLandscaped
HOA
$175/yr
Three Rivers Estates

Price history

Date
Event
Price
6/17/2026
Price change
Source: Stellar MLS #GC538464
$965,900-2.4%
$586/sqft
3/16/2026
Listed for sale
Source: Stellar MLS #GC538464
$990,000
$600/sqft

Neighborhood

1376 Riverside Ave
Fort White, FL, 32038 · 32038 - Fort White

Market insights

Offer Insights

Choose an offer strength

List price: $965,900
$940,000 – $965,900
97.1% – 100% of listTops out right at the list price
80% of listList price
19 of the last 37 home closings in 32038 landed at this number or higher (51%). The median one sat 34 days before it went under contract, and this one is on day 217 after a $24,100 cut.

Sample: 37 closed home sales in 32038 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$5,878/mo
Principal & interest$5,038
Property taxes$343
Insurance$483
HOA$15
Down payment20% · $193,180
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%. HOA includes any condo dues reported on the listing. 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

$965,900

$586 per sq ft

Beds and baths

3 beds, 3 baths

Size

1,649 sq ft

Time on market

217 days

Year built

1999

Monthly payment

About $5,879/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,115 annual tax bill, insurance, and the $175/yr HOA fee.

HOA fee

$175/yr

Managed by Three Rivers Estates.

Flood zone

Zone AE

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

Offer

What should I offer?

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Brokered byPOOLE REALTY, INC.Listing agent: Kellie ShirahListing data from Stellar MLS, MLS# GC538464.

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