470 SANTA FE DRIVE
FORT WHITE, FL 32038
About this home
Remarkable rare opportunity to own approx 2 acres on the Santa Fe River in the highly sought-after Three Rivers Estates community on a double lot. This cabin-style river home is perfectly positioned on a scenic bend in the river, offering views both upstream and downstream. Designed to enjoy the waterfront setting, the home features wraparound porches, a massive rear deck overlooking the river, and a private boardwalk that winds through impressive cypress trees to a covered riverside deck. Inside are 2 bedrooms, 1 full bathroom, a sunroom with river views, and a wood-burning stove. The lower level offers a partially finished game room with a half bath and additional storage space. Outside, you'll also find a full walk-in outdoor shower and a garage/storage area perfect for a golf cart, lawn mower, or all of your river toys. A new roof was installed in 2025. Three Rivers Estates property owners enjoy exclusive access to multiple private parks with boat ramps on both the Santa Fe and Ichetucknee Rivers, providing endless opportunities for boating, kayaking, tubing, paddleboarding, and fishing. The property is just minutes from Ichetucknee Springs, Ginnie Springs, Poe Springs, Blue Springs, Rum Island, and several other North Florida springs. Whether you're looking for a private river retreat, a full-time residence, or an income-producing short-term rental, this is a rare opportunity to own one of the Santa Fe River's most desirable waterfront locations.
Facts & features
Interior
- Bedrooms
- 2
- Bathrooms
- 2
- Living area
- 1,269 sqft
- Heating
- Central
- Cooling
- Central Air
- Flooring
- Carpet, Wood
- Fireplace
- Yes
- Features
- Ceiling Fans(s)
- Appliances
- Dishwasher, Range, Refrigerator
Exterior & lot
- Lot size
- 87,120 sqft (2 ac)
- Waterfront
- Yes
- Roof
- Metal
- Construction
- Cedar
- Exterior
- Outdoor Shower
Financial
- HOA dues
- $175 / annually
- Annual tax
- $487 (2026)
- Price / sqft
- $464/sqft
Utilities
- Water
- Well
- Sewer
- Septic Tank
- Utilities
- BB/HS Internet Available
Property
- Property type
- Single Family
- Year built
- 1981
- Subdivision
- THREE RIVERS ESTATES
- County
- Columbia
Listing
- Status
- Active
- Days on market
- 23 days
- MLS #
- MFR794311210
- Source
- Stellar MLS
Listed by Katie Garrett · GARRETT REALTY
Listing data provided by Stellar MLS. Information deemed reliable but not guaranteed.
Sample estimate — not an appraisal
Based on 22 comparable sales within 1 mile of FORT WHITE, FL, this home is priced over 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
- $3,135/mo
- Property tax
- $49/mo
- Home insurance
- $200/mo
- HOA dues
- $15/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 |
|---|---|---|---|
| Jul 23, 2026 | Price reduced | $589,000 | −$10,000 |
| Jun 22, 2026 | Listed | $599,000 | — |
NeighbourhoodSample data
Reference scores for FORT WHITE, FL. Schools, mobility and amenities feed live data once the dedicated provider connection lands.
Location
Frequently asked questions
What would 470 SANTA FE DRIVE, FORT WHITE cost per month?
About $3,328 a month: $2,978 principal and interest, $41 property tax, $295 insurance, $15 HOA. That assumes 20% down at 6.5% over 30 years.
Is 470 SANTA FE DRIVE, FORT WHITE priced fairly?
Comparable sales nearby put it between $215,971 and $248,483, with $232,227 in the middle. That is from 5 properties of the same type and size within three miles, at a median of $183 a square foot.
How does 470 SANTA FE DRIVE, FORT WHITE compare to nearby homes?
5 comparable properties within three miles. The nearest: 1759 127TH STREET, BRANFORD, FL at $450,000, 1,595 sq ft, 0.71 miles away; 448 CENTRAL TERRACE, FORT WHITE, FL at $185,000, 1,512 sq ft, 1.27 miles away; 173 BOUNDARY WAY, FORT WHITE, FL at $230,500, 1,680 sq ft, 1.32 miles away.
How long has 470 SANTA FE DRIVE, FORT WHITE been on the market?
23 days on the market.
Has the price of 470 SANTA FE DRIVE, FORT WHITE changed?
It has gone down from $599,000 to $589,000, a change of -1.7%.
How big is 470 SANTA FE DRIVE, FORT WHITE?
2 bed, 2 bath, 1,269 square feet. That is $464 a square foot.
What year was 470 SANTA FE DRIVE, FORT WHITE built?
Built in 1981.
What is the HOA fee at 470 SANTA FE DRIVE, FORT WHITE?
The association fee works out to $15 a month.
What are the property taxes at 470 SANTA FE DRIVE, FORT WHITE?
Property tax works out to about $41 a month, $487 a year.
Is 470 SANTA FE DRIVE, FORT WHITE still available?
It is still on the market.
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