232 SW TRUDY WAY, FORT WHITE, FL, 32038
Active30 days on marketListed Oct 7, 2026MLS #GC543950
About this home
232 SW TRUDY WAY
Two Homes on 2.71 Acres in Fort White! This property offers flexibility, space, and opportunity with two separate mobile homes. The main home, built in 2024, offers 4 bedrooms and 3 bathrooms with a desirable split floor plan and approximately 2,052 sq. ft. of living space. The open kitchen, dining, and living room creates a spacious gathering area, while the additional Florida room provides even more space for relaxing or entertaining. The second home, built in 1997, is a 2/1 with approximately 840 sq. ft., making it ideal for extended family, guests, rental income, or a private workspace. Both homes are situated on 2.71 cleared acres, offering plenty of room for outdoor activities, gardening, pets, or future possibilities. A great opportunity to enjoy country living with the added benefit of a second residence!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,892
Sqft
2.71 ac
Lot size
2024
Year built
One
Levels
$155
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.
$3,895 /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
$3,895/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.
$/sqft vs Fort White actives
$155 vs $192
Days on market
30 vs 51 typical
Where $155/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 Fort White
Get to know Fort White. See the full Fort White guide →
FORT WHITE 32038 — neighborhood snapshot
Population
10,007
Median age
50.9
Median income
$65,753
Median home value
$182,500
Avg household
2.56
Households w/ children
1,151
For the school run
Columbia County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Fort White market
$330K → $374K
Fort White median sold, yr/yr
97.7%
Sale-to-list ratio (12 mo)
8 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 65% above the FORT WHITE 32038 median. See the full Fort White market guide →
Paper trail
This home's history
Reality check
What actually sold near 232 SW TRUDY WAY
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$599,000
357 SW CONESTOGA WAY
3 bd · 2 ba · 2,215 sqft · $270/sqft · 3 DOM
Sold · Dec ’25$160,000
372 SW HAWK LN
3 bd · 2 ba · 960 sqft · $167/sqft · 6 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
Arbel Joseph
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 232 SW TRUDY WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 232 SW TRUDY WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Arbel's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
232 SW TRUDY WAY FAQs
What would the monthly payment be for 232 SW TRUDY WAY?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,895/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 232 SW TRUDY WAY?+
The most recent tax bill on record (2025) was $5,447. 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 232 SW TRUDY WAY?+
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 $449,000, this home is listed about 43% above the Fort White median of $315,000. The market section on this page shows how the area is trending.
Which schools are assigned to 232 SW TRUDY WAY?+
Fort White Elementary School (elementary) — Columbia County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of BHGRE THOMAS GROUP · Laura Gunter. MLS #GC543950.
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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