CENTURY 21 Edge
$995,000$1,050,000≈$6,023 /mo all-in ↓

16817 NW STATE ROAD 45, HIGH SPRINGS, FL, 32643

Active398 days on marketListed Sep 8, 2025MLS #GC533435

✦ Reduced $55KN/A

About this home

16817 NW STATE ROAD 45

Located at the gateway into High Springs along the busy Highway 27/41 corridor, this prime 2.89-acre parcel offers unmatched visibility, easy accessibility, and strong growth potential. Zoned C-3 Commercial, it accommodates a broad range of higher-intensity uses, including retail, restaurants, professional offices, medical facilities, and service-oriented businesses. With nearly three acres, the property provides ample space for substantial building footprints, abundant parking, and versatile site layouts, making it a rare opportunity to capitalize on the ongoing growth and development of High Springs.

Facts & features

The home at a glance

2.89 ac

Lot size

Inside

Outside & construction

Community & fees

Taxes (2024)$1,450/yr

Utilities & systems

UtilitiesBB/HS Internet Capable · Electrical Nearby
WaterNone

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$6,023 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,369
PMI (est., until 20% equity)$373
Property tax — 2024 actual bill$121
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $99,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $99,500
Interest rate6.00%
Loan term

Estimated payment

$6,023/mo

Principal & interest$5,369
PMI (est., until 20% equity)$373
Property taxes (actual bill)$121
Est. insurance$160

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.

The numbers that matter

The High Springs market

Seller’s marketLeans seller — 4.8 months of inventoryBuyer’s market

$330K → $295K

High Springs median sold, yr/yr

97.4%

Sale-to-list ratio (12 mo)

Median sold price, High Springs, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 177% above the High Springs median. See the full High Springs market guide →

Paper trail

This home's history

CurrentPrice reduced to $995,000 ▼ $55K
Sep 8, 2025Listed at $1,050,000 · 398 days on market since

Reality check

What actually sold near 16817 NW STATE ROAD 45

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

2400 SW 23RD TERRACESold · Jul ’26

$210,000

2400 SW 23RD TERRACE · same community

1 bd · 1 ba · 401 sqft · $524/sqft · 93 DOM

5640 SW 57TH AVENUESold · Dec ’25

$130,000

5640 SW 57TH AVENUE · same community

2 bd · 1 ba · 756 sqft · $172/sqft · 78 DOM

16050 SE 27TH PLACE ROADSold · Dec ’25

$235,000

16050 SE 27TH PLACE ROAD · same community

2 bd · 1 ba · 891 sqft · $264/sqft · 0 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.

Shawn Headley

Your agent

Shawn Headley

Realtor · CENTURY 21 Edge

Tours, negotiation, and every question about 16817 NW STATE ROAD 45 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 16817 NW STATE ROAD 45 — before you fall in love.

See it in person

Schedule a tour

Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

16817 NW STATE ROAD 45 FAQs

What would the monthly payment be for 16817 NW STATE ROAD 45?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,023/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 16817 NW STATE ROAD 45?+

The most recent tax bill on record (2024) was $1,450. 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 High Springs?+

At $995,000, this home is listed about 177% above the High Springs median of $359,000. The market section on this page shows how the area is trending.

The brief

Three things that matter here

01Positioned at the premium end

$995,000 runs 177% above the High Springs median.

02Time on market is leverage

398 days on market against a High Springs median of 71 — sellers in this position are usually ready to negotiate.

03The price has already moved

Listed at $1,050,000, now $995,000 — a $55K cut. The full history is in the market section below.

Listing courtesy of BOSSHARDT REALTY SERVICES LLC · Eric Ligman. MLS #GC533435.

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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16817 NW STATE ROAD 45, HIGH SPRINGS, FL — $995,000 | CENTURY 21 Edge