CENTURY 21 Edge
Pending
$2,500,0008 bd8.5 ba4,458 sqft$561 /sqft$15,046 /mo all-in ↓

5278 SW COUNTY ROAD 138, FORT WHITE, FL, 32038

Pending42 days on marketListed Jul 2, 2026MLS #GC541434

WaterfrontSingle Family ResidenceN/A

About this home

5278 SW COUNTY ROAD 138

Rare opportunity to own 140(-) acres of beautifully balanced riverfront estate in Columbia County. Half a mile river frontage, spring-fed sink, three homes, 4-car garage, equipment barn, expansive pole barn. This private, gated property blends natural beauty, functionality, and multi-residence living in a truly exceptional setting. A welcoming grand custom wrought iron entrance gate with a wooden archway equipped w/digital keypad system adds security & convenience. Once inside, a 1/3 mile paved drive winds through a picturesque mix of mature hardwoods, rolling pastureland, forming a large circular loop that provides access to all 3 residences, the pole barn, and supporting structures. Primary residence is a spacious split-level home w/ 4 bedrooms & 4 bathrooms. The main level offers an updated kitchen, dining, primary suite and a striking great room highlighted by a vaulted ceiling w/exposed wood beams & large stone fireplace. The lower level includes 3 additional bedrooms and 2 bathrooms, a kitchenette, a secondary living area, & an additional stone fireplace. Both levels open onto expansive porches and multi-tiered decking that extend into a beautifully maintained backyard, where a hot tub overlooks the property’s abundant wildlife, including deer & turkeys. A separate stilt home offers 3 br & 3 baths. Pecky cypress walls, vaulted ceilings, & a wood-burning stove, creates a warm rustic atmosphere. Beneath the structure is a 2-car carport, screened room w/private sauna. The cottage provides a private 1 br/ 1 bath, situated near main residence for use as a guest house or in-law suite. Both the primary residence and the cottage are equipped with whole-home backup generators, ensuring peace of mind & uninterrupted living. Supporting improvements include a detached 4-car garage serving the primary residence, a 25’ x 50’± equipment barn furnished with all equipment needed to maintain this property, and an impressive 60’ x 60’± pole barn. An extra well casing, power pole, & septic system located near the pole barn. Nestled along the serene Santa Fe River, this exceptional riverfront estate redefines the concept of privacy, scale, and timeless allure. Situated just a short stroll from the main residence, the property boasts an impressive 2640 feet of river frontage, granting unparalleled access to one of Florida's most pristine waterways. Beyond its expansive shoreline, the estate features a unique 4-acre island and a striking sinkhole fed by a natural spring—elements that enrich the landscape with diverse ecosystems and endless opportunities for exploration. The island adds a singular dimension of exclusivity and discovery, perfect for quiet reflection or adventurous excursions. The sinkhole w/ its spring is a distinctive natural wonder that invites curiosity and offers ecological significance. It offers a rare sanctuary where natural beauty and human habitation coexist seamlessly, ensuring that its owners can craft a lifestyle that is as fulfilling as it is serene. With such a prestigious setting and limitless potential, this property stands as a testament to the enduring allure of Florida’s river landscapes and the profound legacy they can inspire. Its expansive grounds and natural features provide a versatile canvas for a variety of uses, whether as a secluded private retreat, a multi-generational family compound, or a legacy property to be treasured for generations to come. Schedule your appointment to view this amazing property.

Facts & features

The home at a glance

8

Bedrooms

8.5

Bathrooms

4,458

Sqft

139.91 ac

Lot size

3

Garage

1983

Year built

Two

Levels

$561

Per sqft

WaterfrontFireplaceTrees/Woods viewNegotiable

Inside

FlooringCeramic Tile · Luxury Vinyl
AppliancesDishwasher · Electric Water Heater · Microwave · Range Hood · Refrigerator
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · Eating Space In Kitchen · Living Room/Dining Room Combo · Primary Bedroom Main Floor · PrimaryBedroom Upstairs · Solid Surface Counters · Walk-In Closet(s) · Window Treatments
LaundryLaundry Room
CoolingCentral Air
HeatingCentral
FurnishedNegotiable

Outside & construction

RoofMetal
ConstructionBrick · Cement Siding · HardiPlank Type · Wood Frame (FSC Certified)
FoundationSlab · Stilt/On Piling
ViewTrees/Woods
FacesNorth
ParkingCircular Driveway · Driveway · Garage Door Opener · Golf Cart Garage · Ground Level
ExteriorFrench Doors · Private Entrance · Storage

Community & fees

Taxes (2025)$5,498/yr

Utilities & systems

UtilitiesElectricity Connected · Water Connected
WaterWell

The numbers

What it really costs

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

$15,046 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$13,490
PMI (est., until 20% equity)$938
Property tax — 2025 actual bill$458
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $250,000Loan30-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% · $250,000
Interest rate6.00%
Loan term

Estimated payment

$15,046/mo

Principal & interest$13,490
PMI (est., until 20% equity)$938
Property taxes (actual bill)$458
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.

Where it sits

Inside Fort White

Map of 5278 SW COUNTY ROAD 138

Get to know Fort White. See the full Fort White guide →

FORT WHITE 32038 — neighborhood snapshot

Population

10,035

Median age

51.2

Median income

$58,075

Median home value

$179,300

Avg household

2.58

Households w/ children

1,072

For the school run

Columbia County School District

ElementaryFort White Elementary School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Fort White market

Seller’s marketLeans seller3.9 months of inventoryBuyer’s market

$330K$351K

Fort White median sold, yr/yr

97.5%

Sale-to-list ratio (12 mo)

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

This home is listed 862% above the FORT WHITE 32038 median. See the full Fort White market guide →

Paper trail

This home's history

Jul 2, 2026Listed at $2,500,000 · 42 days on market since
1983Built · N/A

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.

Jessica Stickler

Your agent

Jessica Stickler

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 5278 SW COUNTY ROAD 138 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 5278 SW COUNTY ROAD 138 — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

5278 SW COUNTY ROAD 138 FAQs

What would the monthly payment be for 5278 SW COUNTY ROAD 138?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $15,046/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 5278 SW COUNTY ROAD 138?+

The most recent tax bill on record (2025) was $5,498. 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 Fort White?+

At $2,500,000, this home is listed about 560% above the Fort White median of $379,000. The market section on this page shows how the area is trending.

Which schools are assigned to 5278 SW COUNTY ROAD 138?+

Fort White Elementary School (elementary) — Columbia County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of HORIZON REALTY OF ALACHUA INC · Leslie Morgan. MLS #GC541434.

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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