2159 NW 82ND TERRACE, BELL, FL, 32619
Active372 days on marketListed Jul 17, 2025MLS #J991157
About this home
2159 NW 82ND TERRACE
YOUR OWN PIECE OF HEAVEN ON THE SUWANNEE RIVER AWAITS! A Riverfront dream escape home! Charming, cozy, and adventurous is this amazing waterfront move-in-ready home on the Suwannee River. The 2BR/2BA stilt home looks out onto Florida’s best-kept secrets, the Suwannee River, full of history, timeless breezes, and soothing sounds. A serene feel in the air, only the river can provide. A fenced private driveway with open spaces waiting to be explored. The 1.42-acre lot is surrounded by lush green foliage and an abundance of native wildlife, a Butterfly Garden, and citrus trees. 2 large open decks hug the home, allowing for vast spaces for spending time watching boats go by, grilling out, and entertaining. Relax in your very own Hot Tub, sipping on a refreshing spritz while enjoying the stunning views from the upstairs deck. Large windows welcome you to an open concept room with bright natural light, kitchen, and breakfast bar overlooking the family room and dining. Ceiling fans throughout. Under the home, plenty of space for your vehicles, golf carts, bicycles, watersports equipment, and even an RV prepped 30 and 50amp breakers! A newly installed well pump and pressure tank with a triple water treatment system. Included are an ice maker, small refrigerator, and lounging swings throughout, along with a shed for a 46” lawnmower! An elevator/pulley for easy access to the primary floor, a true commodity to carry groceries, luggage, or yourself. On the river, a boat house and walk around deck that make fishing and boating easy, sit at this peaceful spot facing the river with a book or your morning coffee while taking in all of nature’s beauty, like the leaping River Surgeons. Nearby, several world-famous freshwater springs to visit and swim, water ski, and kayak. Enjoy a riverfront lifestyle as your next forever home, seasonal home, summer getaways, or a lucrative income-producing Airbnb investment. With abundant space for unforgettable gatherings and ample amenities, this riverfront home offers something for everyone, both for relaxation and adventure. Don't miss the chance to own this very special property and make new memories on the Suwannee River! Make this Summer one to remember. Call us today to learn more and schedule a tour, it’s a MUST-see!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,456
Sqft
1.42 ac
Lot size
2005
Year built
Two
Levels
$378
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$3,832 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,832/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Bell actives
$378 vs $278
Days on market
372 vs 41 typical
Where $378/sqft sits among the 18 Bell actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Bell
Get to know Bell. See the full Bell guide →
BELL 32619 — neighborhood snapshot
Population
5,227
Median age
40.9
Median income
$62,045
Median home value
$177,600
Avg household
2.69
Households w/ children
615
For the school run
Gilchrist County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Bell market
$230K → $673K
Bell median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
6 of 18
Bell actives have cut their price
Median sold price, Bell, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 131% above the BELL 32619 median. See the full Bell market guide →
Paper trail
This home's history
Reality check
What actually sold near 2159 NW 82ND TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$510,000
2159 NW 82 Terrace, Other City - In The State Of Florida FL 32619
2 bd · 2 ba · 1,456 sqft · $350/sqft · 260 DOM
Sold · Nov ’25$150,000
140 NE 880TH STREET
2 bd · 2 ba · 784 sqft · $191/sqft · 29 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2159 NW 82ND TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2159 NW 82ND TERRACE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
2159 NW 82ND TERRACE FAQs
What would the monthly payment be for 2159 NW 82ND TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,832/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 2159 NW 82ND TERRACE?+
The most recent tax bill on record (2024) was $2,289. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 2159 NW 82ND TERRACE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Bell?+
At $550,000, this home is listed about 83% above the Bell median of $300,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2159 NW 82ND TERRACE?+
Trenton Elementary School (elementary) — Gilchrist County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$550,000 runs 131% above the BELL 32619 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
372 days on market against a Bell median of 41 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Trenton Elementary School — Trenton Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of STELLAR NON-MEMBER OFFICE · Non-Member Agent. MLS #J991157.
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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