Active·164 days on market
141 SW Longhorn Terrace
Fort White, FL 32038
About this home
Fort White
Enjoy peaceful North Florida living just one street from the Santa Fe River. This updated 2 bedroom, 1.5 bath modified A-frame home sits on over 2 acres, offering privacy, space, and a quiet rural setting near the water. The open living area features a modern kitchen and wood-burning stove, creating a warm and inviting atmosphere. A screened front balcony and screened back porch provide ideal spaces to relax and take in the natural surroundings. The property includes a chain-link fenced yard, a workshop with attached carport, and an additional storage shed for equipment or recreational gear. A public boat ramp is within walking distance, making this home perfect for boating, kayaking, fishing, and enjoying the Santa Fe River lifestyle. Conveniently located near Ichetucknee Springs and Ginnie Springs, this property is well suited as a primary residence, weekend getaway, or potential rental investment in one of North Florida's most desirable river areas.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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.
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: Metal — year not disclosed (home built 1979)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Private well (public record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,190 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs of July 2026, 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.
History
Price & status history
- Feb 25, 2026Listed$280,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: UNITED COUNTRY SMITH & ASSOCIATES
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
More homes in Cedar Springs
Active$290,000MLS# 2125747Est. $1,544/mo5238 San Juan Avenue, Jacksonville, FL 322105 Beds3 Baths1,658 sqftExcellent income-producing investment Triplex opportunity zoned CRO providing flexibility for future developments.…
Residential IncomeFLORIDA HOMES REALTY & MTG LLC
Active$259,990MLS# 2158996Est. $1,384/mo5530 Hyde Grove Avenue, Jacksonville, FL 322103 Beds2 Baths1,832 sqftSituated on a spacious corner lot at the end of a quiet dead-end street, this charming single-family home offers over…
ResidentialSUPER SELLER
Active Under Contract$245,000MLS# 2152509Est. $1,304/mo5338 Palmer Avenue, Jacksonville, FL 322103 Beds2 Baths1,220 sqftWelcome home to an incredible opportunity at an even better price! Featuring brand-new flooring throughout and fresh…
ResidentialKELLER WILLIAMS REALTY ATLANTIC PARTNERS
Active$244,000MLS# 2133019Est. $1,299/mo5327 Lexington Avenue, Jacksonville, FL 322103 Beds2 Baths1,038 sqftAssumable VA loan! Welcome home to this well maintained residence offering comfort, style, and an unbeatable location!…
ResidentialBERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines