16392 198TH TRACE, O'BRIEN, FL, 32071
Active1 days on marketListed Aug 14, 2026MLS #D6148407
About this home
16392 198TH TRACE
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!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,300
Sqft
3.25 ac
Lot size
1997
Year built
One
Levels
$293
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.
$4,211 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,211/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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 O'brien actives
$293 vs $240
Days on market
1 vs 23 typical
Where $293/sqft sits among the 6 O'brien 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 O'brien
Get to know O'brien. See the full O'brien guide →
O'BRIEN 32071 — neighborhood snapshot
Population
3,550
Median age
43.2
Median income
$49,563
Median home value
$136,100
Avg household
2.69
Households w/ children
267
The numbers that matter
The O'brien market
$289K → $248K
O'brien median sold, yr/yr
95.1%
Sale-to-list ratio (12 mo)
2 of 6
O'brien actives have cut their price
Median sold price, O'brien, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 226% above the O'BRIEN 32071 median. See the full O'brien market guide →
Paper trail
This home's history
Reality check
What actually sold near 16392 198TH TRACE
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$315,000
19456 161ST COURT
4 bd · 2 ba · 2,432 sqft · $130/sqft · 54 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
Iain Robinson
Broker Associate · CENTURY 21 Edge
Tours, negotiation, and every question about 16392 198TH TRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 16392 198TH TRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Iain's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
16392 198TH TRACE FAQs
What would the monthly payment be for 16392 198TH TRACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,211/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 16392 198TH TRACE?+
The most recent tax bill on record (2025) was $1,866. 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 O'brien?+
At $675,000, this home is listed about 82% above the O'brien median of $370,000. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Positioned at the premium end
$675,000 runs 226% above the O'BRIEN 32071 median — but at 2,300 sqft it's also 48% larger than the typical O'brien listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 1 day on market in a O'brien market that averages 23 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 SUNBELT REALTY · Jayson Burtch. MLS #D6148407.
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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