3130 SW 86th Way, Bell, FL, 32619
About This Home
MOTIVATED SELLERS! Escape to the ultimate waterfront lifestyle with this charming three-bedroom, two-and-a-half-bath home nestled on a spacious lot along the scenic Suwannee River, just minutes from Hart Springs. Designed for those who truly want to live on the water, this property offers a rare combination of comfort, entertainment, and direct river access with a private dock and boat ramp—making every day on the Suwannee effortless and unforgettable. Take in breathtaking river views from the expansive upstairs deck, the perfect place to enjoy morning coffee, evening sunsets, or watch boats glide by. Inside, the kitchen seamlessly blends style and function, featuring a stainless steel double oven, electric cooktop, and a center island with bar seating ideal for casual dining or entertaining. A well-placed window above the sink fills the space with natural light, creating a bright and inviting atmosphere. Downstairs, the sunroom provides a peaceful retreat while staying connected to the outdoors—perfect for relaxing after a day on the river. Step outside to an entertainer’s dream, complete with a fully equipped outdoor kitchen and bar, a cozy firepit, and a spa tucked beneath a charming pergola—your own private oasis for relaxation and gatherings alike. What truly sets this property apart is the private dock and boat ramp, offering unmatched convenience for boating, fishing, kayaking, and exploring the Suwannee River at a moment’s notice. Launch your boat with ease, spend the day on the water, and return home to your own riverfront sanctuary. The fully fenced yard ensures privacy and peace of mind, while an outdoor shed provides ample storage for tools, gear, and river toys. This is more than a home—it’s a lifestyle where waterfront living, effortless boating, and unforgettable memories come together. Don’t miss this rare opportunity to own a slice of paradise on the Suwannee River—where the water is always calling and home is waiting.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1965
Materials
- Foundation: Slab
- Roof: Metal
- Construction materials: Block,HardiPlank Type
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Convection Oven,Microwave,Refrigerator
- Laundry features: Other
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Features
- Ceiling Fan(s),Thermostat
- Door features: Outdoor Grill,Outdoor Kitchen
- Flooring: Luxury Vinyl,Tile
- Fireplace features: Living Room
- Fireplace: Yes
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air
Interior Area
- Total structure area: 2,305
- Total interior livable area: 1,620 sqft
Kitchen
- Level: First
Living Room
- Level: First
Primary Bedroom
- Features: Walk-In Closet(s)
- Level: Second
Property
Details
- Parcel number: 240913000000060000
- Zoning: AE,FW
- Special condition: None
Features
- Levels: Two
- Stories: 2
- Patio & porch: Covered,Deck
- Exterior features: Outdoor Grill,Outdoor Kitchen,Storage
- Has spa: Yes
- Spa features: Above Ground
- Has view: Yes
- View description: River
- Has water view: Yes
- Water view: River
- On waterfront: Yes
- Waterfront features: River Front,River Access,Boat Ramp - Private
- Waterbody name: SUWANNEE RIVER
Lot
- Lot size: 0.60 Acres
- Lot size dimensions: 100 x
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
- Inland Flooding
- Heat Wave
- Strong Wind
- Tornado
- Wildfire
How This Home’s Risks Compare
FEMA Declared Disasters in Gilchrist 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 | $2,907 | $34,884 |
| Home Insurance * | $391 | $4,692 |
| Property Taxes | $605 | $7,260 |
| Electricity | $197 | $2,366 |
| Total | $4,100 | $49,200 |
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 |
|---|---|---|
| 2026-01-12 | Listed for sale | $575,000 |
| 2025-12-02 | Listing removed | $599,000 |
| 2025-06-11 | Price change | $599,000 |
| 2025-01-07 | Listed for sale | $625,000 |
| 2009-07-17 | Sold | $160,000 |
| 2009-02-15 | Listed for sale | $225,000 |
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