$575,000
3130 86th Way
Bell, FL 32619
Listing updated: May 20, 2026 at 12:41 PM ET
Listing courtesy of Watson Realty Corp- Tioga · Kristi Crane · MLS #GC536381 · Active · 352-224-2600Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Flood zone
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.
Local Insight
At $355/sqft for a 1965 waterfront home in an AE flood zone, you're paying for location and water access rather than modern updates, so factor in realistic renovation costs and flood insurance expenses before committing. The 0.6-acre lot and three full baths suggest decent bones for the era, but the AE designation means this property floods regularly enough to require continuous coverage—definitely get a detailed flood history and talk to neighbors about what that actually means year-round. Bell's rural character means you get privacy and water access, but you're also looking at a longer commute to Gainesville or other job centers.
AI-generated insight based on listing data and neighborhood context. Verify independently.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history128 days on market
- Status: ActiveJan 12, 2026
- Listed$575,000Jan 12, 2026
- Price increased$575,000
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 128
- Cumulative DOM
- 457
- Subdivision
- Not Assigned
- County
- Gilchrist
- Year built
- 1965
- Living area
- 1,620 sq ft
- Price/sq ft
- $355
- Building area
- 2,305 sq ft (Public Records)
- Lot size
- 26,136 sq ft
- Lot category
- 1/2 to less than 1
- Flood zone
- AE (12041C0162E)
- Annual taxes
- $4,978 (2025)
- Parcel #
- 24-09-13-0000-0006-0000
- Zoning
- AE,FW
- MLS #
- GC536381
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Interior Details
- Bedrooms
- 3
- Full bathrooms
- 2
- Half bathrooms
- 1
- Flooring
- Luxury Vinyl, Tile
- Appliances
- Convection Oven, Microwave, Refrigerator
- Interior features
- Ceiling Fans(s), Thermostat
- Laundry
- Other
- Stories / Levels
- Two
- Direction faces
- East
- Fireplace
- Yes
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air
HOA & Financial
- Total monthly fees
- $0/mo
- Total annual fees
- $0
- CDD
- No
- Listing terms
- Cash, Conventional
- Ownership
- Fee Simple
- Available for lease
- No
Exterior & Construction
- Exterior features
- Outdoor Grill, Outdoor Kitchen, Storage
- Construction materials
- Block, HardiPlank Type
- Roof
- Metal
- Foundation
- Slab
- Waterfront
- Yes
- Water access
- Yes
- Water view
- Yes
- Road surface
- Dirt
Utilities
- Sewer
- Septic Needed
- Water source
- Well
- Utilities
- Electricity Connected, Fiber Optics
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Living Room | First | |
| Kitchen | First | |
| Primary Bedroom | Second |
Listing Details
- Listing date
- 2026-01-12
- On market date
- 2026-01-12
- Original list price
- $575,000
- Occupant type
- Tenant
- MLS area
- 32619 - Bell
- Listing AOR
- Gainesville-Alachua
- Status changed
- 2026-01-12
- Tax legal description
- BEG AT S END OF GOV LOT 13 GO N 4 DEG 30 MIN W ON RG LN 480 FT FOR POB GO S 70 DEG 30 MIN W 336 FT M/L TO E BANK OF SUW RIV GO N 34 DEG W ALG SAID RIV BANK 100 FT THEN GO N 78 DEG E 375.5 FT TO RG LN THEN GO S 4 DEG 30 MIN E 50 FT ALG RG LN TO POB LE SS 25 FT EASEMENT FOR PUBLIC RD 92/432 125/589-590 271/295 295/116 2009/3408 2009/3620
Flood risk
FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
Follow US-27 S/US-41 S to W Co Rd 232 in Gilchrist County 27 min (24.3 mi), Continue on W Co Rd 232. Take SW Co Rd 344 to SW 86th Way follow the road 1.5 miles and house will be on your right.
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Listings courtesy of Stellar MLS as distributed by MLS GRID
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Based on information submitted to the MLS GRID as of May 20, 2026 at 12:41 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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