CENTURY 21 Edge
$1,200,0004 bd3 ba2,458 sqft$488 /sqft≈$7,542 /mo all-in ↓

5309 NW 15TH STREET, BELL, FL, 32619

Active28 days on marketListed Sep 12, 2026MLS #GC543388

Private poolSingle Family ResidenceN/A

About this home

5309 NW 15TH STREET

Country living at its finest! 4-bedroom, 3-bathroom pool home on 20 acres for sale. Welcome to your own private country retreat in Bell, Florida, offering an exceptional combination of acreage, agricultural infrastructure, recreation, and comfortable country living. Situated on 20 fenced and cross-fenced acres, this property is well suited for horses, cattle, farming, recreation, or simply enjoying the privacy and space that comes with owning a large piece of Old Florida countryside. Within 5 minutes from the Suwannee River and 15 minutes from the crystal-clear Santa Fe River, with numerous public springs and boat ramps nearby, this property offers outstanding access to some of North Central Florida’s most sought-after outdoor opportunities. This spacious home offers 2,458 heated and cooled square feet and 3,130 total square feet under roof, with an open layout designed for everyday living or entertaining family and friends. The interior features generous living spaces, a dedicated office, and a finished back sunroom. The sunroom leads directly outside to the screened-in pool area, creating an ideal flow between the indoor and outdoor living spaces. Whether you are relaxing with family, entertaining guests, or enjoying a quiet evening overlooking the property, this home is ideal for a peaceful rural lifestyle. Step outside, and the property truly shines. A new saltwater pool installed in 2022 offers the perfect place to cool off and unwind, with a gas heater allowing for comfortable swimming beyond the warmest months. Just beyond the home is a stocked pond with a gazebo, providing a peaceful setting to enjoy the outdoors. The pond is stocked with bass, bream, and catfish, adding both recreational value and another scenic feature to the property. The acreage has been thoughtfully designed with agricultural and livestock use in mind. The entire property is fenced and cross-fenced, with water lines running the full property to provide convenient access for watering horses or cattle. The property also features established organic grass fields, providing a versatile setup for livestock and agricultural purposes. A large barn adds significant utility and storage, offering space for boats, vehicles, tractor parking, designated workshops, and RV parking. There is ample room for storage and projects making this property especially appealing to buyers looking for more than just a home. The home also has numerous important updates, including a new septic system in 2021, new windows in 2022, a new saltwater pool in 2022, new well pipes in 2025, and a roof installed in 2017. Fiber internet is connected by CFE, providing high-speed Wi-Fi and allowing you to work from home or stay connected while enjoying the privacy of the countryside. Whether you are looking for a private homestead, working farm, equestrian property, or simply a place to enjoy the best of the North Central Florida lifestyle, this property offers the space and infrastructure to make it your own, with 20 fenced acres, a thoughtfully designed home, screened-in saltwater pool, stocked pond and gazebo, irrigation, and a substantial barn with workshop space, equipment storage, and RV parking. This property was designed to maximize the space, privacy, and freedom that come with the country Florida lifestyle. This is a rare opportunity where the possibilities are as wide open as the property itself. Come experience this lifestyle for yourself, call for your own exclusive private tour today!

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,458

Sqft

20 ac

Lot size

2

Garage

1998

Year built

One

Levels

$488

Per sqft

Private poolNegotiable

Inside

FlooringLuxury Vinyl
AppliancesConvection Oven · Dishwasher · Refrigerator
InteriorHigh Ceilings · Open Floorplan · Tray Ceiling(s)
LaundryLaundry Room
CoolingCentral Air
HeatingElectric · Natural Gas
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionStucco
FoundationSlab
FacesNorth
ParkingBoat · Garage Door Opener · Garage Faces Side · Open · RV Carport · RV Parking
ExteriorIrrigation System · Lighting · Private Entrance · Private Yard

Community & fees

Taxes (2025)$5,483/yr

Utilities & systems

UtilitiesFiber Optics · 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.

$7,542 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$6,475
PMI (est., until 20% equity)$450
Property tax — 2025 actual bill$457
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $120,000Loan30-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% · $120,000
Interest rate6.00%
Loan term

Estimated payment

$7,542/mo

Principal & interest$6,475
PMI (est., until 20% equity)$450
Property taxes (actual bill)$457
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.

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.

$/sqft vs N/A

$488 vs $279

Days on market

28 vs 81 typical

Where $488/sqft sits among the 244 homes for sale in N/A

116
72
18 · this home
12
8
18
$132–267$267–401$401–535$535–669$669–803$803+

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 Bell

Get to know Bell. See the full Bell guide →

BELL 32619 — neighborhood snapshot

Population

5,227

Median age

40.9

Median income

$62,045

Median home value

$177,600

Avg household

2.69

Households w/ children

615

For the school run

Gilchrist County School District

ElementaryBell Elementary School★★★★★

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

The numbers that matter

The Bell market

Seller’s marketBalanced — 5.0 months of inventoryBuyer’s market

$273K → $240K

Bell median sold, yr/yr

95.5%

Sale-to-list ratio (12 mo)

139 of 244

N/A have cut their price

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

This home is listed 336% above the BELL 32619 median. See the full Bell market guide →

Paper trail

This home's history

Sep 12, 2026Listed at $1,200,000 · 28 days on market since
1998Built · N/A

Reality check

What actually sold near 5309 NW 15TH STREET

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

Carr 156 KM 12.1 INT BO. PALO HINCADOSold · Dec ’25

$254,000

Carr 156 KM 12.1 INT BO. PALO HINCADO · same community

5 bd · 2.5 ba · 2,510 sqft · $101/sqft · 79 DOM

30768 PRESTWICK AVENUESold · Apr ’26

$417,000

30768 PRESTWICK AVENUE · same community

3 bd · 2 ba · 1,998 sqft · $209/sqft · 6 DOM

12112 CR 727Sold · Dec ’25

$375,000

12112 CR 727 · same community

3 bd · 2 ba · 1,800 sqft · $208/sqft · 8 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.

Zack Zonker

Your agent

Zack Zonker

President Tampa Division · CENTURY 21 Edge

Tours, negotiation, and every question about 5309 NW 15TH STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 5309 NW 15TH STREET — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

5309 NW 15TH STREET FAQs

What would the monthly payment be for 5309 NW 15TH STREET?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,542/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 5309 NW 15TH STREET?+

The most recent tax bill on record (2025) was $5,483. 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 Bell?+

At $1,200,000, this home is listed about 267% above the Bell median of $327,245. The market section on this page shows how the area is trending.

Which schools are assigned to 5309 NW 15TH STREET?+

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

Listing courtesy of UNITED COUNTRY SMITH & ASSOCIATES - NEWBERRY · Jaidon Lovett. MLS #GC543388.

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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