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1827 SW Shiloh St, Fort White, FL, 32038

4beds
4baths
3,662sqft
$725,000
$198price/sqft
$5,167/moest. monthly cost
$206,680/yrincome needed

About This Home

Expansive 20-Acre private estate with custom concrete block home - where space, privacy, and versatility come together on this stunning 20.08-acre property, made up of two 10.04-acre parcels. The custom-built, concrete block home with a charming brick veneer sits on the front parcel, while the second, fully buildable 10-acre tract stretches out directly behind—ideal for a future guest home, investment build, or simply to enjoy as your own wooded retreat. Spanning over 3,662 square feet of heated and cooled space, the residence features 4 bedrooms, 3.5 bathrooms, and plenty of flexible living areas. Inside, you’ll find a spacious living room centered around a floor-to-ceiling stone fireplace, a kitchen with newer stainless steel appliances, breakfast bar, and an accent stone wall that adds warmth and charm. The formal dining room offers ample space for entertaining, and a large bonus room could easily serve as a home office, playroom, gym, or additional living space. The master suite is privately situated on one side of the home, boasting its own stone fireplace, large walk-in closet, dual vanities, walk-in shower, and a relaxing garden tub. On the opposite side, three guest bedrooms offer plenty of room for family or visitors—two bedrooms share a bathroom with double sinks, while the third bedroom includes a private bath and its own entrance, making it perfect for an in-law suite or guest quarters. Additional features include a laundry room, half bath, and an attached two-car garage. Outside, the fully fenced property is scattered with majestic oak trees, a private dirt bike track for outdoor enthusiasts, and plenty of cleared space around the home while the back 10 acres remain nicely wooded—perfect for nature walks, hunting, or total seclusion. No HOA, low Columbia County taxes, and easy access to some of Florida’s best natural treasures—just minutes from the Ichetucknee and Santa Fe Rivers, local springs, and a short drive to High Springs or Gainesville for dining, shopping, and medical facilities. Whether you're looking for multi-generational living, a peaceful homestead, or future investment opportunities—this one-of-a-kind property checks all the boxes.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

3/10
4/10
Fort White High SchoolGrades 6-123.8 mi

Construction

Condition

  • Year built: 2004

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Brick,Concrete,HardiPlank Type

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Range,Refrigerator,Washer
  • Laundry features: Laundry Room

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • High Ceilings,Split Bedroom,Vaulted Ceiling(s),Walk-In Closet(s)
  • Flooring: Carpet,Laminate
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 4,905
  • Total interior livable area: 3,662 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First

Property

Details

  • Parcel number: 147S1604218209
  • Zoning: A-3
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Other

Lot

  • Lot size: 20.08 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Inland Flooding
    Inland FloodingRelatively High
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Lightning
Inland Flooding
Hurricane
Heat Wave
Strong Wind
Tornado
Wildfire

FEMA Declared Disasters in Columbia 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 $3,665$43,980
Home Insurance *$361$4,332
Property Taxes $773$9,276
Electricity $368$4,422
Total$5,167$62,004
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$177,154/yr
40% on housing$155,010/yr
45% on housing$137,786/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: 16.2%
16.2%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 0.4%
0.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$198This listing

vs Other Active Listings

Avg $/sqft

ZIP 32038$173
Columbia County$210

vs Homes Sold Last Month

Median $/sqft

ZIP 32038$198
Columbia County$158

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)

No zestimate history available

Price History

DateEventPrice
2026-03-16Listed for sale$759,000
2026-03-07Pending sale$759,000
2026-02-17Price change$759,000
2026-01-07Listed for sale$799,000
2025-11-26Listing removed$799,000
2025-08-19Price change$799,000
2025-06-09Listed for sale$850,000

For Sale by Agent

AgentKatie Garrett
BrokerageGARRETT REALTY

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