1339 SW CENTRAL TERRACE, FORT WHITE, FL, 32038
Active37 days on marketListed Sep 30, 2026MLS #GC542870
About this home
1339 SW CENTRAL TERRACE
Virtually Staged. Welcome to this highly sought-after river community! This brand-new 2026 manufactured home offers 3 bedrooms, 2 bathrooms, and sits on a spacious 0.918-acre lot just minutes from the world-famous Ichetucknee Springs State Park. Enjoy the beauty of the crystal-clear Ichetucknee River, where tubing, kayaking, paddleboarding, swimming, and year-round outdoor adventures await. Whether you're looking for a full-time residence, weekend retreat, or investment opportunity, this property offers the perfect blend of comfort and location. Inside, you'll find an inviting open-concept floor plan with modern finishes, an efficient layout, and abundant natural light. Relax on the covered front and back porches while taking in the peaceful surroundings. The nearly one-acre lot provides plenty of room for entertaining, storing your outdoor toys, or adding future amenities. With its prime location near one of Florida's most popular natural attractions, this home is ideal as a primary residence, vacation home, Airbnb, or snowbird getaway. Move-in ready and loaded with potential, don't miss your chance to own a slice of North Florida paradise!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,280
Sqft
0.92 ac
Lot size
2026
Year built
One
Levels
$179
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.
$1,853 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$1,853/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
−20.3%
$/sqft vs Fort White actives
$179 vs $192
Days on market
37 vs 51 typical
Where $179/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 16% below the FORT WHITE 32038 median. See the full Fort White market guide →
Paper trail
This home's history
Reality check
What actually sold near 1339 SW CENTRAL TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$200,000
172 SW TRENTON TERRACE
3 bd · 2 ba · 1,276 sqft · $157/sqft · 22 DOM
Sold · Jul ’26$335,000
672 SW NEWARK DRIVE
3 bd · 2 ba · 1,493 sqft · $224/sqft · 26 DOM
Sold · May ’26$180,000
448 SW CENTRAL TERRACE
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
Colleen Brown
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1339 SW CENTRAL TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1339 SW CENTRAL TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Colleen's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1339 SW CENTRAL TERRACE FAQs
What would the monthly payment be for 1339 SW CENTRAL TERRACE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $1,853/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 1339 SW CENTRAL TERRACE?+
The most recent tax bill on record (2025) was $232. 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 1339 SW CENTRAL TERRACE?+
The listing reports pets: Yes. 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 $229,000, this home is listed about 27% below the Fort White median of $315,000. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Under the FORT WHITE 32038 market on paper
$229,000 is 16% below the FORT WHITE 32038 median of $272,000, and at $179/sqft it sits under the Fort White average of $323.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $240,000, now $229,000 — a $11K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX PROFESSIONALS - LAKE CITY · Rosanne Sparks. MLS #GC542870.
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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