1531 SW COUNTY ROAD 138, FORT WHITE, FL, 32038
Pending17 days on marketListed Oct 20, 2026MLS #GC544328
About this home
1531 SW COUNTY ROAD 138
If you're looking for peaceful country living with plenty of space to spread out, this property is a must-see! Nestled on approximately 2.65 acres surrounded by mature trees and natural beauty, this spacious 3-bedroom, 2-bathroom home offers approximately 1,920 square feet of comfortable living space with the perfect combination of privacy, charm, and convenience. Step inside to discover newly updated flooring throughout, fresh paint, and a spacious kitchen offering plenty of room for cooking, entertaining, and everyday living. The thoughtfully designed floor plan also features a versatile bonus/flex room located just off the primary bedroom, perfect for a home office, sitting room, hobby space, or additional living area. One of the standout features of this home is the large screened-in back porch, where you can relax with your morning coffee, enjoy the peaceful surroundings, or unwind after a long day without the hassle of pesky insects. Outside, you'll find a beautiful mix of open yard space and mature trees, creating a serene country atmosphere with plenty of room to enjoy the outdoors. Conveniently located near the popular Rum Island Springs and the Santa Fe River, this property offers easy access to some of North Florida's most beautiful natural attractions while still providing the privacy and tranquility of rural living. Enjoy the space, privacy, and charm of country living without sacrificing comfort! BEWARE of potential fraud. This home is professionally managed by Pepine Property Management. We do NOT ask any of our potential residents to wire funds. Our main office is located in Gainesville, Florida. Renter’s insurance is mandatory for all tenants. A policy with at least $100,000 in liability coverage must be provided before move in. Move In Costs: - $75 Application Fee Per Adult. Each adult must complete a separate application. - Security Deposit/Holding Deposit Starts @ 1 Months' Rent (may increase depending on screening) - $250 Administrative Fee - $350 Non-Refundable Pet Fee Per Pet (pets must be approved. Max 2 pets per property) - $35 Per Month Pet Rent We use a third-party service, PetScreening, to ensure all applicants understand how to adhere to the property's pet and animal policies, even if you do not have a pet or animal. All applicants must complete a Pet, No Pet, or Animal Profile.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,940
Sqft
2.65 ac
Lot size
1
Garage
2016
Year built
One
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$176 /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
$176/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
$1 vs $179
Days on market
17 vs 51 typical
Where $1/sqft sits among the 19 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 19
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 99% below the FORT WHITE 32038 median. See the full Fort White market guide →
Paper trail
This home's history
Reality check
What actually sold near 1531 SW COUNTY ROAD 138
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$313,300
534 SW THORNE LANE
3 bd · 2 ba · 1,790 sqft · $175/sqft · 60 DOM
Sold · Apr ’26$397,500
422 SW MAGNOLIA LANE
3 bd · 2 ba · 1,772 sqft · $224/sqft · 30 DOM
Sold · Dec ’25$312,000
476 SW COUNTY ROAD 138
3 bd · 2 ba · 1,612 sqft · $194/sqft · 72 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1531 SW COUNTY ROAD 138 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1531 SW COUNTY ROAD 138 — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1531 SW COUNTY ROAD 138 FAQs
What would the monthly payment be for 1531 SW COUNTY ROAD 138?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $176/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 1531 SW COUNTY ROAD 138?+
The listing reports pets: Cats OK, Dogs OK. 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 $1,995, this home is listed about 99% below the Fort White median of $315,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1531 SW COUNTY ROAD 138?+
Fort White Elementary School (elementary) — Columbia County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of PEPINE PROPERTY MANAGEMENT, LLC · Jenifer Bullard. MLS #GC544328.
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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