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Overview

2 bd2 ba1,269 sqftSingle Family
TypeSingle Family
HOANone listed
Built1981
Lot87,120 sqft
Living area1,269 sqft
Price / sqft$374

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

About this home

Ceiling Fans(s)Outdoor ShowerDishwasherRangeRefrigerator

470 SW Santa Fe Dr is a 1981-built home in Three Rivers Estates, Fort White. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,269 square feet of living space. Listed at $475,000 (about $374/sqft), 118 days on market. Flood zone AE - confirm flood insurance requirements with your lender.

From the listing

Remarkable rare opportunity to own approx 2 acres on the Santa Fe River in the highly sought-after Three Rivers Estates community on a double lot. This cabin-style river home is perfectly positioned on a scenic bend in the river, offering views both upstream and downstream. Beautiful Sunbeam Spring is less than 200' from property. Designed to enjoy the waterfront setting, the home features wraparound porches, a massive rear deck overlooking the river, and a private boardwalk that winds through impressive cypress trees to a covered riverside deck. Inside are 2 bedrooms, 1 full bathroom, a sunroom with river views, and a wood-burning stove. The lower level offers a partially finished game room with a half bath and additional storage space. Outside, you'll also find a full walk-in outdoor shower and a garage/storage area perfect for a golf cart, lawn mower, or all of your river toys. A new roof was installed in 2025. Three Rivers Estates property owners enjoy exclusive access to multiple private parks with boat ramps on both the Santa Fe and Ichetucknee Rivers, providing endless opportunities for boating, kayaking, tubing, paddleboarding, and fishing. The property is just minutes from Ichetucknee Springs, Ginnie Springs, Poe Springs, Blue Springs, Rum Island, and several other North Florida springs. Whether you're looking for a private river retreat, a full-time residence, or an income-producing short-term rental, this is a rare opportunity to own one of the Santa Fe River's most desirable waterfront locations. Some photos virtually staged to show visual upgrades.

The essentials

Built
1981
Price / sqft
$374
On market
118 days
Annual tax
$487
Flood zone
AE
Lot
87,120 sqft
Type
Single Family Residence

At a glance

Single family
Built 1981
Waterfront
River Front
2.00 acres
Lot size
1,269 sqft
Living area

Payment

Est. monthly payment
$2,755/mo
Down payment (20%)
$95,000
Property taxes
$41/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1981
Lot
87,120 sqft
Cooling
Central Air
Heating
Central
Parking
Circular Driveway, Driveway
Waterfront
River Front
Days on Market
118
Ceiling Fans(s)
Outdoor Shower
Dishwasher
Range
Refrigerator
Flood Zone AE
Annual Tax (2026)
$487
Parcel #
00-00-00-00586-006

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
87,120 sqft

Price history

Date
Event
Price
10/4/2026
Price change
Source: Stellar MLS #GC541395
$475,000-4.8%
$374/sqft
-
Price change
Source: Stellar MLS #GC541395
$499,000-16.7%
$393/sqft
6/22/2026
Listed for sale
Source: Stellar MLS #GC541395
$599,000
$472/sqft

Neighborhood

470 SW Santa Fe Dr
Fort White, FL, 32038 · 32038 - Fort White

Market insights

Offer Insights

Choose an offer strength

List price: $475,000
$462,500 – $475,000
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 118 after a $124,000 cut.

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

Talk through an offer with our team

Calculator

Est. monthly payment
$2,755/mo
Principal & interest$2,477
Property taxes$41
Insurance$238
Down payment20% · $95,000
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

$475,000

$374 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,269 sq ft

Time on market

118 days

Year built

1981

Monthly payment

About $2,755/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $487 annual tax bill, insurance.

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?

Have another question?

Brokered byGARRETT REALTYListing agent: Katie GarrettListing data from Stellar MLS, MLS# GC541395.

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