664 SW KENTUCKY STREET, FORT WHITE, FL, 32038
Active Under Contract8 days on marketListed Oct 21, 2026MLS #GC544336
About this home
664 SW KENTUCKY STREET
Under contract-accepting backup offers. A gated, tree-lined drive leads to this charming 3-bedroom, 2-bath home, set on a raised homesite with 1,800 square feet of living space on a 0.918-acre parcel. With updating potential and a new HVAC system installed in September 2026, the home offers a great opportunity to make it your own. The fully fenced yard and gate were added in 2025. A generous kitchen island creates a natural gathering spot, while the dining area offers built-in corner seating and a desk with cabinets. The primary bath includes a garden tub and separate water closet, and a second bedroom has its own entrance and small deck. The mudroom features built-in bench seating, cabinets and a utility sink. Outside, enjoy the large front deck and a shed with workbench and loft storage. Refrigerator, range and dishwasher are included. Optional HOA membership provides access to the river and community park. Attractively priced and full of possibility, this inviting home is ready for its next owner. Schedule your showing today.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,800
Sqft
0.92 ac
Lot size
2007
Year built
One
Levels
$97
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 and the real association fee — not generic estimates.
$1,641 /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
$1,641/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.
vs edgeAI estimate
−22.5%
$/sqft vs Fort White actives
$97 vs $192
Days on market
8 vs 51 typical
Where $97/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 Three Rivers Estates
Get to know Fort White. See the full Fort White guide →
Three Rivers Estates — neighborhood snapshot
Population
1,724
Median age
46
Median income
$51,123
Median home value
$161,335
Avg household
3
Households w/ children
186
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 36% 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 664 SW KENTUCKY STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$90,000
595 SW TRENTON TERRACE · same community
3 bd · 2 ba · 1,701 sqft · $53/sqft · 52 DOM
Sold · Apr ’26$229,900
843 SW CENTRAL TERRACE · same community
3 bd · 2 ba · 1,560 sqft · $147/sqft · 140 DOM
Sold · May ’26$180,000
448 SW CENTRAL TERRACE · same community
3 bd · 2 ba · 1,512 sqft · $119/sqft · 90 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
Angela Rodriguez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 664 SW KENTUCKY STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 664 SW KENTUCKY STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Angela's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
664 SW KENTUCKY STREET FAQs
What would the monthly payment be for 664 SW KENTUCKY STREET?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $1,641/mo — principal and interest, the actual property-tax bill, the $15/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 664 SW KENTUCKY STREET?+
The association fee works out to $15 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 664 SW KENTUCKY STREET?+
The most recent tax bill on record (2025) was $2,259. 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 664 SW KENTUCKY STREET?+
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 $174,900, this home is listed about 44% below the Fort White median of $315,000. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of HORIZON REALTY OF ALACHUA INC · Cliff Miller. MLS #GC544336.
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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