3130 86TH WAY
BELL, FL 32619
About this home
MOTIVATED SELLERS! Escape to the ultimate waterfront lifestyle with this charming three-bedroom, two-and-a-half-bath home nestled on a spacious lot along the scenic Suwannee River, just minutes from Hart Springs. Designed for those who truly want to live on the water, this property offers a rare combination of comfort, entertainment, and direct river access with a private dock and boat ramp—making every day on the Suwannee effortless and unforgettable. Take in breathtaking river views from the expansive upstairs deck, the perfect place to enjoy morning coffee, evening sunsets, or watch boats glide by. Inside, the kitchen seamlessly blends style and function, featuring a stainless steel double oven, electric cooktop, and a center island with bar seating ideal for casual dining or entertaining. A well-placed window above the sink fills the space with natural light, creating a bright and inviting atmosphere. Downstairs, the sunroom provides a peaceful retreat while staying connected to the outdoors—perfect for relaxing after a day on the river. Step outside to an entertainer’s dream, complete with a fully equipped outdoor kitchen and bar, a cozy firepit, and a spa tucked beneath a charming pergola—your own private oasis for relaxation and gatherings alike. What truly sets this property apart is the private dock and boat ramp, offering unmatched convenience for boating, fishing, kayaking, and exploring the Suwannee River at a moment’s notice. Launch your boat with ease, spend the day on the water, and return home to your own riverfront sanctuary. The fully fenced yard ensures privacy and peace of mind, while an outdoor shed provides ample storage for tools, gear, and river toys. This is more than a home—it’s a lifestyle where waterfront living, effortless boating, and unforgettable memories come together. Don’t miss this rare opportunity to own a slice of paradise on the Suwannee River—where the water is always calling and home is waiting.
Facts & features
Interior
- Bedrooms
- 3
- Bathrooms
- 3
- Living area
- 1,620 sqft
- Heating
- Central
- Cooling
- Central Air
- Flooring
- Luxury Vinyl, Tile
- Fireplace
- Yes
- Stories
- 2
- Features
- Ceiling Fans(s), Thermostat
- Appliances
- Convection Oven, Microwave, Refrigerator
Exterior & lot
- Lot size
- 26,136 sqft (0.6 ac)
- Waterfront
- Yes
- Roof
- Metal
- Construction
- Block, HardiPlank Type
- Exterior
- Outdoor Grill, Outdoor Kitchen, Storage
Financial
- Annual tax
- $4,978 (2025)
- Price / sqft
- $355/sqft
Utilities
- Water
- Well
- Sewer
- Septic Needed
- Utilities
- Electricity Connected, Fiber Optics
Property
- Property type
- Single Family
- Year built
- 1965
- Subdivision
- NOT ASSIGNED
- County
- Gilchrist
Listing
- Status
- Active
- Days on market
- 200 days
- MLS #
- MFR778570971
- Source
- Stellar MLS
Listed by Kristi Crane · WATSON REALTY CORP- TIOGA
Listing data provided by Stellar MLS. Information deemed reliable but not guaranteed.
Sample estimate — not an appraisal
Based on 29 comparable sales within 4 miles of BELL, FL, this home is priced in line with RENA ValiQ.
Reference only. Estimates blend public sale comps, neighbourhood trend and the listing’s own metrics. Final price moves on diligence, terms and timing — RENA is your second read, not your agent.
Estimate your monthly cost
PITI + HOA- Principal & interest
- $3,060/mo
- Property tax
- $431/mo
- Home insurance
- $200/mo
Tax, insurance and HOA are editable estimates with Florida-typical defaults — Florida homeowners insurance in particular varies widely by location and elevation. Confirm exact figures with a lender and insurer.
Ask about this property
Answered from this listing’s own figures and the sales around it.
Price history
From the property’s MLS record.
| Date | Event | Price | Change |
|---|---|---|---|
| Jan 12, 2026 | Listed | $575,000 | — |
NeighbourhoodSample data
Reference scores for BELL, FL. Schools, mobility and amenities feed live data once the dedicated provider connection lands.
Location
Frequently asked questions
What would 3130 86TH WAY, BELL cost per month?
About $3,610 a month: $2,908 principal and interest, $415 property tax, $288 insurance. That assumes 20% down at 6.5% over 30 years.
Is 3130 86TH WAY, BELL priced fairly?
Comparable sales nearby put it between $252,356 and $290,345, with $271,350 in the middle. That is from 8 properties of the same type and size within three miles, at a median of $168 a square foot.
How does 3130 86TH WAY, BELL compare to nearby homes?
8 comparable properties within three miles. The nearest: 818 783 STREET, OLD TOWN, FL at $599,000, 1,920 sq ft, 1.14 miles away; 7870 25TH PLACE, BELL, FL at $449,000, 1,564 sq ft, 1.64 miles away; 65 528TH AVENUE, OLD TOWN, FL at $134,900, 1,056 sq ft, 2.01 miles away.
How long has 3130 86TH WAY, BELL been on the market?
200 days on the market.
Has the price of 3130 86TH WAY, BELL changed?
The price has not moved since it was listed.
How big is 3130 86TH WAY, BELL?
3 bed, 3 bath, 1,620 square feet. That is $355 a square foot.
What year was 3130 86TH WAY, BELL built?
Built in 1965.
What is the HOA fee at 3130 86TH WAY, BELL?
The feed lists no association fee for this property.
What are the property taxes at 3130 86TH WAY, BELL?
Property tax works out to about $415 a month, $4,978 a year.
Is 3130 86TH WAY, BELL still available?
It is still on the market.
Similar homes nearby
Homes for sale in BELL within the same price band.
