12185 198th Ter, O'Brien, FL, 32071
About This Home
Welcome! This spacious 4-bedroom, 3 full bath home on 4 acres offers the perfect blend of peaceful country living and everyday comfort. Nestled on a generous lot, the property provides privacy, open skies, and plenty of room to relax, garden, or entertain. Inside, you’ll find a functional layout with ample living space. The primary suite and additional bedrooms offer flexibility. Enjoy the calm surroundings while still being within reasonable distance to local amenities, and the beautiful Suwannee River. Whether you’re looking for a full-time residence, weekend retreat, or investment opportunity, this property delivers space, comfort, and endless potential in North Florida.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Materials
- Roof: Shingle
- Construction materials: Frame Vinyl Siding
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Refrigerator,Microwave,Dishwasher,Range Hood
- Laundry features: Other
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
Features
- Fireplace
- Window features: Other
- Flooring: Laminate
- Fireplace features: Electric
- Fireplace: Yes
Heating & Cooling
- Heating features: Central Electric
- Cooling features: Central Air
Interior Area
- Total structure area: 2,596
- Total interior livable area: 2,596 sqft
Property
Details
- Parcel number: 09061070050
- Zoning: Res
Features
- Levels: One
- Patio & porch: None
- Fencing: Barbed Wire,Fenced
Lot
- Lot size: 4 Acres
- Lot size dimensions: 250 x 690
Parking
- Total spaces: 1
- Parking features: 1 Car,Carport,Detached
- Covered spaces: 1
- Carport: Yes
- Carport spaces: 1
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
- Cold Wave
- Hurricane
- Heat Wave
- Inland Flooding
- Tornado
- Wildfire
How This Home’s Risks Compare
FEMA Declared Disasters in Suwannee 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 | $1,921 | $23,052 |
| Home Insurance * | $224 | $2,688 |
| Property Taxes | $212 | $2,544 |
| Electricity | $261 | $3,135 |
| Total | $2,618 | $31,416 |
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 |
|---|---|---|
| 2026-04-30 | Price change | $399,000 |
| 2026-04-17 | Price change | $407,250 |
| 2026-03-03 | Price change | $408,500 |
| 2021-12-16 | Pending sale | $314,900 |
| 2021-11-29 | Listed for sale | $314,900 |
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