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16842 SPRING Street, White Springs, FL, 32096

1beds
1baths
896sqft
$136,500
$152price/sqft
$1,336/moest. monthly cost
$53,440/yrincome needed

About This Home

Charming Cottage + Expansion Opportunity in the Heart of White Springs Welcome to 16842 Spring Street--an updated home on a large, fully usable lot in one of North Florida's most welcoming small towns. Set directly across from the city park, your front view is open green space, mature trees, and everyday neighborhood life--kids playing, neighbors out walking, and a setting that feels peaceful and connected from the moment you arrive. Inside, the home has been thoughtfully improved, with nearly everything updated within the last 2.5 years, including a metal roof, energy-efficient windows, updated electrical with new fuse box, termite bond in place, new appliances, new flooring, fresh interior paint, and adjustable foundation supports. The result is a move-in ready property with minimal immediate maintenance and strong long-term durability. The real opportunity, however, is outside. The large ¼-acre fully fenced yard provides exceptional flexibility: Room for a pool, garage, or additional structure Extra-wide drive gate with space for RV, boat, or equipment access Plenty of usable land for expansion or customization There is also clear potential to add an ADU or build a second dwelling at the rear of the property. The existing home could easily serve as a primary residence, guest house, rental, or private office while expanding the footprint of the property over time. The location further enhances both lifestyle and income potential. Situated between Stephen Foster Folk Culture Center State Park and Big Shoals State Park, and just minutes to the Suwannee River, the area attracts a steady flow of visitors for hiking, kayaking, cycling events, and festivals throughout the year. For investors, this creates a strong short-term or seasonal rental opportunity, with demand driven by outdoor tourism, local events, and visitors seeking a quiet retreat. The layout, location, and expansion potential make it easy to position this property for income while still maintaining long-term upside. Whether you're looking for a full-time residence, a weekend escape, or a property with income and future development potential, 16842 Spring Street offers a rare combination of updates, land, flexibility, and location. Homes with this level of improvement, on this size lot, with this kind of versatility--especially directly across from a park--are becoming increasingly difficult to find.

Getting Around

15
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1950

Materials

  • Roof: Metal
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: A-Frame
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Electric Cooktop,Refrigerator

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total interior livable area: 896 sqft

Property

Details

  • Parcel number: 8453000
  • Zoning description: Residential

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 0.25 Acres

Parking

  • Parking features: Additional Parking

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
    LightningVery High
  • Hurricane
    HurricaneRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Lightning
Hurricane
Cold Wave
Inland Flooding
Tornado
Wildfire

FEMA Declared Disasters in Hamilton County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

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

MonthlyAnnual
Mortgage $690$8,280
Home Insurance *$201$2,412
Property Taxes $248$2,976
Electricity $197$2,366
Total$1,336$16,032
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$45,805/yr
40% on housing$40,080/yr
45% on housing$35,626/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

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.

Insurance Growth Rate5-year average: 15.9%
15.9%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: -1.8%
-1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$152This listing

vs Other Active Listings

Avg $/sqft

ZIP 32096$2,197
Hamilton County$135

vs Homes Sold Last Month

Median $/sqft

ZIP 32096
Hamilton County$84

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

DateEventPrice
2026-05-14Price change$149,900
2026-05-07Price change$154,900
2026-04-17Listed for sale$159,000
2026-04-08Listing removed$195,000
2026-04-05Listed for sale$195,000
2026-03-09Listing removed$129,000
2026-02-23Price change$129,000
2026-02-18Listed for sale$130,000
2026-02-09Pending sale$130,000
2026-02-03Listed for sale$130,000
2023-09-28Sold$58,000
2023-07-27Listed for sale$58,000
2023-06-02Contingent$58,000
2023-05-15Listed for sale$58,000
2009-02-18Sold$27,000
2008-06-20Sold$5,001
2007-04-13Sold$5,001

For Sale by Agent

AgentSTEVE GORDON
BrokerageEPIQUE REALTY, INC

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