TBD NW 48TH , LOT 15 TERRACE, CHIEFLAND, FL, 32626
Active14 days on marketListed Sep 28, 2026MLS #GC543822
About this home
TBD NW 48TH , LOT 15 TERRACE
Build your future home on 4.89 acres in Spanish Trace! This beautiful piece of North Florida offers the space and setting buyers are looking for, with plenty of room to create a homesite that fits your vision. The property backs up to/joins more than 20 acres, giving the homesite an added sense of openness and privacy. Enjoy peaceful country living while still being close to some of the best outdoor destinations in the area. Cedar Key, Long Pond, Fanning Springs, Manatee Springs, and the Suwannee River are all just a short drive away, putting boating, fishing, kayaking, swimming, and exploring Florida’s natural springs within easy reach. Whether you're ready to build now or looking for land to hold for the future, 4.89 acres in Spanish Trace gives you room to spread out, enjoy the outdoors, and make this property your own. If you've been waiting for a great piece of land in the Chiefland area to build your future home, this one deserves a look.
Facts & features
The home at a glance
4.89 ac
Lot size
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 and the real association fee — not generic estimates.
$761 /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
$761/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.
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)
Median sold price, Chiefland, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 54% below the CHIEFLAND 32626 median. See the full Chiefland market guide →
Paper trail
This home's history
Reality check
What actually sold near TBD NW 48TH
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$406,100
5151 NW 73 STREET · same community
3 bd · 2.5 ba · 1,774 sqft · $229/sqft · 118 DOM
Sold · May ’26$110,000
5651 NW 73RD LANE
2 bd · 2 ba · 938 sqft · $117/sqft · 2 DOM
Sold · Apr ’26$240,000
5091 NW 86TH STREET
4 bd · 2 ba · 1,768 sqft · $136/sqft · 89 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 TBD NW 48TH — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for TBD NW 48TH — 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
TBD NW 48TH FAQs
What would the monthly payment be for TBD NW 48TH , LOT 15 TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $761/mo — principal and interest, the actual property-tax bill, the $4/mo association fee 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.
How much are the HOA fees at TBD NW 48TH , LOT 15 TERRACE?+
The association fee works out to $4 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on TBD NW 48TH , LOT 15 TERRACE?+
The most recent tax bill on record (2025) was $713. 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 TBD NW 48TH , LOT 15 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 Chiefland?+
At $84,900, this home is listed about 79% below the Chiefland median of $394,999. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of UNITED COUNTRY SMITH & ASSOCIATES - NEWBERRY · Jessica Vance. MLS #GC543822.
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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