See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

524 NE Withla Bluffs Way, Lee, FL, 32059

1beds
1baths
784sqft
$189,000
$241price/sqft
$1,681/moest. monthly cost
$67,240/yrincome needed

About This Home

Withlacoochee River Waterfront Retreat on 1.27 Acres! Nestled behind a gated entrance and surrounded by mature hardwoods, this elevated river house offers a rare opportunity to create your own waterfront getaway. Situated on the scenic Withlacoochee River, the property features 1 bedroom, 1 bathroom, an open living area, large screened porch, two covered parking bays, private well and septic, and a durable metal roof. Whether you're seeking a fishing camp, weekend retreat, vacation property, or investment opportunity, this property offers incredible potential. Much of the groundwork has already been completed, including kitchen cabinetry, bathroom fixtures, screened porch, and a recently rebuilt staircase. The home is being sold as an unfinished project and is ready for a new owner to customize and complete to their own vision. Electrical service has been run to the home but is not currently connected, as the owner's original intent was to utilize solar power. No utilities are active at this time, and the home does not currently have central HVAC. Seller has never occupied the property and cannot verify the condition of systems or components. Buyers should conduct all desired inspections and due diligence. Select photos have been virtually staged to illustrate the property's potential. Rare opportunity to own a private riverfront property with endless possibilities for fishing, boating, kayaking, and enjoying the natural beauty of North Florida.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
16
BikeSomewhat Bikeable

Schools

7/10
Lee Elementary SchoolGrades PK-65.2 mi
--
Madison Virtual FranchiseGrades K-1211.9 mi

Construction

Condition

  • Year built: 1998

Materials

  • Construction materials: Vinyl

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other
  • Property subType: Single Family Residence

Interior

Bedrooms & Bathrooms

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

Cooling

  • Cooling features: Other

Features

  • Flooring: Other

Interior Area

  • Total structure area: 784
  • Total interior livable area: 784 sqft

Property

Details

  • Parcel number: 091S11151700R019

Lot

  • Lot size: 1.27 Acres

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

  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Hurricane
Lightning
Cold Wave
Inland Flooding
Strong Wind
Tornado

FEMA Declared Disasters in Madison 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 $955$11,460
Home Insurance *$211$2,532
Property Taxes $318$3,816
Electricity $197$2,366
Total$1,681$20,172
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$57,634/yr
40% on housing$50,430/yr
45% on housing$44,826/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: 14.4%
14.4%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 0.9%
0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$241This listing

vs Other Active Listings

Avg $/sqft

ZIP 32059$283
Madison County$161

vs Homes Sold Last Month

Median $/sqft

ZIP 32059
Madison County$65

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
2026-06-16Listed for sale$189,000

For Sale by Agent

AgentJessica Groover
BrokerageSouthern Land & Homes LLC

Similar Homes