15645 NW 46TH LANE, CHIEFLAND, FL, 32626
Active28 days on marketListed Sep 14, 2026MLS #GC543495
About this home
15645 NW 46TH LANE
Set along the riverfront, this beautiful 3 bedroom 3.5 bathroom home offers the perfect blend of comfort, scenery, and waterfront living. A spacious sunroom showcases breathtaking views, creating the ideal place to relax, entertain, or simply take in the natural beauty surrounding you. Plus, the seller is providing the option for this home to be purchased fully furnished - as seen in the photos. For boating enthusiasts this property is hard to beat. A private dock and covered boat lift provide convenient access to the river and make it easy to enjoy everything the waterways have to offer. From fowlers bluff, the gulf is approximately 12 miles by boat, putting incredible fishing and coastal adventures within easy reach. Just a few miles away, popular sandbars provide the perfect spots to gather with friends, soak up the sun, and enjoy laid back water front lifestyle. Convenience is another highlight of this location. The neighborhood offers a boat ramp, making launching and accessing the water a breeze. And when you're ready to come off the river, The treasure camp is close by offering food, drinks, and live music on the weekends; a favorite gathering spot for locals and visitors alike. Whether you are looking for a peaceful retreat, a full time residence, or the ultimate riverfront escape, this fowlers bluff property offers a rare opportunity to enjoy the best of Florida's nature coast. Please note heated & cooled square footage adjusted to account for newly heated/cooled sunroom.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
1,980
Sqft
0.19 ac
Lot size
2
Garage
1974
Year built
Two
Levels
$354
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.
$4,712 /mo · 10% down Conventional, 30-yr fixed at 6%
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
$4,712/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.
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 Chiefland actives
$354 vs $205
Days on market
28 vs 71 typical
Where $354/sqft sits among the 40 Chiefland 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 Chiefland
Get to know Chiefland. See the full Chiefland guide →
CHIEFLAND 32626 — neighborhood snapshot
Population
8,994
Median age
46.3
Median income
$49,643
Median home value
$160,900
Avg household
2.43
Households w/ children
898
The numbers that matter
The Chiefland market
$270K → $262K
Chiefland median sold, yr/yr
96.1%
Sale-to-list ratio (12 mo)
25 of 40
Chiefland actives have cut their price
Median sold price, Chiefland, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 279% above the CHIEFLAND 32626 median. See the full Chiefland market guide →
Paper trail
This home's history
Reality check
What actually sold near 15645 NW 46TH LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$470,000
15471 NW 46TH LANE · same community
2 bd · 2 ba · 1,216 sqft · $387/sqft · 86 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
Kathy Miller
real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 15645 NW 46TH LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 15645 NW 46TH LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kathy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
15645 NW 46TH LANE FAQs
What would the monthly payment be for 15645 NW 46TH LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,712/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 15645 NW 46TH LANE?+
The most recent tax bill on record (2025) was $6,143. 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 15645 NW 46TH LANE?+
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 Chiefland?+
At $699,999, this home is listed about 77% above the Chiefland median of $394,999. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Positioned at the premium end
$699,999 runs 279% above the CHIEFLAND 32626 median — but at 1,980 sqft it's also 15% larger than the typical Chiefland listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $720,000, now $699,999 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DRUMMOND REALTY, INC. · Danielle Johns. MLS #GC543495.
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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