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Sold·Closed Mar 24, 2026·28 days on market

16815 NE 95th Avenue

Waldo, FL 32694

$270,000sold priceListed at $275,000 · 98.2% of asking$240/sqftMLS# 2125933
3
Beds
1
Baths
1,126
Sq Ft
1995
Built
4
Garage
No
Pool
No HOA10.00 acresSingle Family Residence1 story

About this home

Waldo

Adorable mini farm offering the opportunity to create a peaceful homestead that you can pass down for generations to come! This 3-bedroom (one non-conforming), 1-bath farmhouse features a 2019 metal roof and is serviced by well and septic. Situated on the back of 10± acres of high and dry, mostly cleared land that is cross-fenced creating two grassy established pastures with room to raise livestock and have a large garden. Improvements include one fully enclosed barn with concrete slab and electric, two pole barns, and a chicken coop. A scattering of mature trees provides shade throughout the property, with room to let the kids and farm animals roam free range and space that lends itself well to homeschooling and a slower, more intentional lifestyle. Located in Alachua County, the property is tucked away from the hustle and bustle while remaining approximately 23 minutes to Gainesville and 7 minutes to Waldo (home of an amazing flea market an

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$1,496
Estimated total, before insurance$1,496/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,509/yr · $376/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$270,000
$54,000
Loan Term
Monthly Payment
$1,496
Principal & Interest: $1,496
Insurance (est.): $180
Estimated Total Monthly
$1,676
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Metal — year not disclosed (home built 1995)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,747 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

This Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $4,509/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Sources: Florida DOR certified tax roll, NEFMLS.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $204/sq ft; this home is listed at $244/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
16505 NE 83rd Place, Hawthorne, FL 32640Listed by TIMBER TO TIDES REALTY LLCOct 2025$255,000$2042/21,248390.8
17319 NE 72nd Place, Hawthorne, FL 32640Listed by CENTURY 21 LAKESIDE REALTYMay 2025$63,500$692/2924921.5

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$275,000
Price / Sq Ft$244
Bedrooms3
Bathrooms1.00
Full Baths1
Square Footage1,126
Acres10.00 acres
Year Built1995
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages4
Has PoolNo
Is WaterfrontNo

Community Information

Address16815 NE 95th Avenue, Waldo, FL 32694
Area712-Waldo-East Of Us-301/SR-24
SubdivisionMetes & Bounds
CityWaldo
CountyAlachua
StateFL
Zip Code32694
Lot Size435,600 sq ft
Parcel Number18550-010-010
ZoningAgricultural

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingDetached, Garage

Interior

Interior FeaturesCeiling Fan(s), Open Floorplan
AppliancesDisposal, Dryer, Electric Oven, Electric Range, Refrigerator, Washer
HeatingElectric
CoolingWall/Window Unit(s)
FlooringWood
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Patio / PorchPorch
FencingFenced
RoofMetal
ConstructionStucco
Other StructuresBarn(s), Shed(s)
Road SurfaceDirt

Additional Information

Date ListedJanuary 20, 2026
Days on Market28
Tax Amount$4,509
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: GREAT EXPECTATIONS REALTY

Sold by: KELLER WILLIAMS FIRST COAST REALTY (buyer's brokerage)

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Mar 24, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

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