470 SW 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.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1981
Materials
- Foundation: Raised
- Roof: Metal
- Construction materials: Cedar
Type & Style
- Home type: SingleFamily
- Architectural style: Cabin
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Range,Refrigerator
- Laundry features: Other
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Features
- Ceiling Fan(s)
- Door features: Outdoor Shower
- Flooring: Carpet,Hardwood
- Fireplace features: Wood Burning
- Fireplace: Yes
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air
Interior Area
- Total structure area: 3,976
- Total interior livable area: 1,269 sqft
Kitchen
- Level: First
Living Room
- Level: First
Primary Bedroom
- Features: Built-in Closet
- Level: First
Property
Details
- Parcel number: 00000000586006
- Zoning: ESA2
- Special condition: None
Features
- Levels: One
- Stories: 1
- Patio & porch: Deck,Front Porch,Patio,Porch,Rear Porch,Side Porch,Wrap Around
- Exterior features: Outdoor Shower
- Has view: Yes
- View description: Water,River
- Has water view: Yes
- Water view: Water,River
- On waterfront: Yes
- Waterfront features: River Front,River Access
- Waterbody name: SANTA FE RIVER
Lot
- Lot size: 2 Acres
Parking
- Parking features: Circular Driveway,Driveway
- Has uncovered spaces: Yes
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Lightning
- Inland Flooding
- Hurricane
- Heat Wave
- Strong Wind
- Tornado
- Wildfire
How This Home’s Risks Compare
FEMA Declared Disasters in Columbia County and Florida
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,978 | $35,736 |
| Home Insurance * | $293 | $3,516 |
| Property Taxes | $758 | $9,096 |
| Electricity | $197 | $2,366 |
| Total | $4,226 | $50,712 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-23 | Price change | $589,000 |
| 2026-07-12 | Listed for sale | $599,000 |
| 2026-07-06 | Pending sale | $599,000 |
| 2026-06-24 | Listed for sale | $599,000 |
| 2016-05-09 | Sold | $255,500 |
| 2016-04-01 | Listed for sale | $264,900 |
| 2015-12-01 | Listing removed | $242,900 |
| 2015-08-11 | Price change | $242,900 |
| 2015-05-24 | Price change | $283,900 |
| 2014-12-16 | Listed for sale | $284,900 |
| 2002-06-24 | Sold | $146,000 |
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