104 3RD STREET NW, STEINHATCHEE, FL, 32359
Active9 days on marketListed Oct 29, 2026MLS #GC544516
About this home
104 3RD STREET NW
Coastal Living at Its Finest in Beautiful Steinhatchee, Florida! Welcome to your own slice of paradise in one of Florida’s most sought-after fishing and scalloping destinations! Perfectly positioned to capture breathtaking water views, this beautifully renovated coastal retreat offers the ideal combination of luxury, comfort, and laid-back living. Relax on the spacious deck while watching boats cruise in and out of the channel. Inside, you'll find a stunning kitchen featuring beautiful wood cabinetry, granite countertops, and stainless appliances. The spacious great room is anchored by a gorgeous stone fireplace, creating a warm and inviting atmosphere, while elegant plantation shutters add a timeless touch throughout. The primary suite is a private retreat featuring a beautifully appointed bathroom with a walk-in shower and direct access to the outdoor deck, perfect for enjoying spectacular water views morning or evening. The second bedroom offers its own ensuite bath for added comfort and privacy. Convenient half baths on both the main and lower levels accommodate guests with ease. Outdoor living is truly exceptional! Enjoy the screened porch, gather around the fireplace in the covered open-air entertaining area, or rinse off in the outdoor shower after a day on the water. Additional conveniences include an elevator and ice machine, making coastal living even more enjoyable. Best of all, this incredible home comes fully furnished and with a Golf Cart!
Facts & features
The home at a glance
2
Bedrooms
3
Bathrooms
2,120
Sqft
0.4 ac
Lot size
1990
Year built
One
Levels
$375
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.
$5,935 /mo · 10% down Conventional, 30-yr fixed at 7.5%
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
$5,935/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
Where it sits
Inside Steinhatchee
Get to know Steinhatchee. See the full Steinhatchee guide →
STEINHATCHEE 32359 — neighborhood snapshot
Population
1,406
Median age
58.5
Median income
$51,250
Median home value
$141,900
Avg household
2.24
Households w/ children
97%
For the school run
Dixie County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Steinhatchee market
$360K → $275K
Steinhatchee median sold, yr/yr
87.0%
Sale-to-list ratio (12 mo)
Median sold price, Steinhatchee, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 279% above the STEINHATCHEE 32359 median. See the full Steinhatchee market guide →
Paper trail
This home's history
Reality check
What actually sold near 104 3RD STREET NW
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$86,000
8 13TH STREET SE · same community
4 bd · 2 ba · 1,488 sqft · $58/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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 104 3RD STREET NW — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 104 3RD STREET NW — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
104 3RD STREET NW FAQs
What would the monthly payment be for 104 3RD STREET NW?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $5,935/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 104 3RD STREET NW?+
The most recent tax bill on record (2025) was $5,684. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Steinhatchee?+
At $795,000, this home is listed about 78% above the Steinhatchee median of $447,200. The market section on this page shows how the area is trending.
Which schools are assigned to 104 3RD STREET NW?+
James M. Anderson Elementary School (elementary), Dixie County High School (high), Old Town Elementary School (elementary) — Dixie County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$795,000 runs 279% above the STEINHATCHEE 32359 median.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
James M. Anderson Elementary School, Dixie County High School, Old Town Elementary School — Old Town Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX PROFESSIONALS - LAKE CITY · Missy Zecher. MLS #GC544516.
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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