1376 RIVERSIDE AVENUE, FORT WHITE, FL, 32038
Active235 days on marketListed Mar 16, 2026MLS #GC538464
About this home
1376 RIVERSIDE AVENUE
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.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,649
Sqft
0.86 ac
Lot size
1999
Year built
Two
Levels
$586
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 and the real association fee — not generic estimates.
$6,958 /mo · 10% down Conventional, 30-yr fixed at 7.5%
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
$6,958/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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.
vs edgeAI estimate
+131.5%
$/sqft vs Fort White actives
$586 vs $179
Days on market
235 vs 51 typical
Where $586/sqft sits among the 18 Fort White 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 Three Rivers Estates
Get to know Fort White. See the full Fort White guide →
Three Rivers Estates — neighborhood snapshot
Population
1,724
Median age
46
Median income
$51,123
Median home value
$161,335
Avg household
3
Households w/ children
186
The numbers that matter
The Fort White market
$330K → $374K
Fort White median sold, yr/yr
97.7%
Sale-to-list ratio (12 mo)
7 of 18
Fort White actives have cut their price
Median sold price, Fort White, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 255% above the FORT WHITE 32038 median. See the full Fort White market guide →
Paper trail
This home's history
Reality check
What actually sold near 1376 RIVERSIDE AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$90,000
595 SW TRENTON TERRACE · same community
3 bd · 2 ba · 1,701 sqft · $53/sqft · 52 DOM
Sold · Apr ’26$229,900
843 SW CENTRAL TERRACE · same community
3 bd · 2 ba · 1,560 sqft · $147/sqft · 140 DOM
Sold · May ’26$180,000
448 SW CENTRAL TERRACE · same community
3 bd · 2 ba · 1,512 sqft · $119/sqft · 90 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 1376 RIVERSIDE AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1376 RIVERSIDE AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1376 RIVERSIDE AVENUE FAQs
What would the monthly payment be for 1376 RIVERSIDE AVENUE?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $6,958/mo — principal and interest, the actual property-tax bill, the $15/mo association fee 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.
How much are the HOA fees at 1376 RIVERSIDE AVENUE?+
The association fee works out to $15 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1376 RIVERSIDE AVENUE?+
The most recent tax bill on record (2025) was $4,115. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 1376 RIVERSIDE AVENUE?+
The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Fort White?+
At $965,900, this home is listed about 207% above the Fort White median of $315,000. The market section on this page shows how the area is trending.
The brief
Four things that matter here
01Positioned at the premium end
$965,900 runs 255% above the FORT WHITE 32038 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
235 days on market against a Fort White median of 51 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $990,000, now $965,900 — a $24K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of POOLE REALTY, INC. · Kellie Shirah. MLS #GC538464.
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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