445 NE 649TH STREET, OLD TOWN, FL, 32680
Active36 days on marketListed Sep 6, 2026MLS #GC543270
About this home
445 NE 649TH STREET
MOVE-IN READY CONCRETE BLOCK HOME ON 2 BEAUTIFUL ACRES IN OLD TOWN, FLORIDA! Discover the perfect combination of comfortable living, peaceful surroundings, and room to spread out with this beautifully maintained 3-bedroom, 1.5-bathroom home situated on approximately 2 acres in the heart of Dixie County! This wonderful property consists of TWO LOTS, offering generous outdoor space and a desirable corner setting bordered by two roads. Beautiful mature trees are scattered throughout the property, creating a peaceful atmosphere with just the right amount of natural privacy and Old Florida charm. From the moment you arrive, you'll appreciate the care this home has received and its welcoming, move-in-ready condition. Step inside to discover a comfortable and functional floor plan featuring a spacious living room, inviting dining area, and well-appointed kitchen with lovely views overlooking the backyard. The layout provides a wonderful flow for everyday living while offering plenty of space to relax and entertain. One of the home's most delightful features is the BEAUTIFUL FLORIDA SUNROOM! Filled with windows and natural light, this inviting space is perfect for enjoying your morning coffee, reading a good book, entertaining guests, or simply taking in the peaceful views of your property throughout the seasons. A generously sized laundry room adds everyday convenience and additional functionality. All three bedrooms offer comfortable living space, with a full guest bathroom and a private half bathroom conveniently located in the primary bedroom. Outside, the possibilities are exciting! With approximately two acres spread across two lots, there's plenty of room to enjoy outdoor activities, gardening, and the beauty of your own private surroundings. The mature trees and spacious yard create an inviting country setting while still offering convenient access to Old Town's local shopping, dining, and everyday amenities. Enjoy the natural beauty of North Florida, with the Suwannee River, freshwater springs, and endless outdoor recreational opportunities within driving distance. Whether you're searching for your first home, looking to downsize without sacrificing acreage, or simply wanting a well-maintained property with room to breathe, this charming concrete block home is ready to welcome you!
Facts & features
The home at a glance
3
Bedrooms
1.5
Bathrooms
1,364
Sqft
2.06 ac
Lot size
1960
Year built
One
Levels
$139
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.
$1,411 /mo · 3.5% down FHA, 30-yr fixed at 6%
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
$1,411/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.
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
−66%
$/sqft vs Old Town actives
$139 vs $207
Days on market
36 vs 77 typical
Where $139/sqft sits among the 37 Old Town 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 Old Town
Get to know Old Town. See the full Old Town guide →
OLD TOWN 32680 — neighborhood snapshot
Population
10,445
Median age
51.5
Median income
$47,547
Median home value
$95,300
Avg household
2.54
Households w/ children
951
The numbers that matter
The Old Town market
$198K → $179K
Old Town median sold, yr/yr
94.2%
Sale-to-list ratio (12 mo)
17 of 37
Old Town actives have cut their price
Median sold price, Old Town, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 39% above the OLD TOWN 32680 median. See the full Old Town market guide →
Paper trail
This home's history
Reality check
What actually sold near 445 NE 649TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$320,000
8289 NE HIGHWAY 349
3 bd · 2 ba · 1,404 sqft · $228/sqft · 193 DOM
Sold · Jan ’26$228,000
28 NE 558TH AVENUE
4 bd · 2 ba · 1,820 sqft · $125/sqft · 129 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 445 NE 649TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 445 NE 649TH STREET — 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
445 NE 649TH STREET FAQs
What would the monthly payment be for 445 NE 649TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,411/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 445 NE 649TH STREET?+
The most recent tax bill on record (2025) was $595. 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 Old Town?+
At $189,900, this home is listed about 30% below the Old Town median of $272,445. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Burgandy Arrington. MLS #GC543270.
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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