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List Price

$295,000

6150 County Road 345, Chiefland, FL 32626

192 days on market↓ $30K from original list price

Estimated Payment

$2,546/mo

$0 down with a USDA loan and current market rates

Bedrooms2 bdBathrooms1 baLiving area1,640 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 1970

Listed by

Dawn McGee

UNITED COUNTRY SMITH & ASSOCIATES - NEWBERRY

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Single-Family Home with Guest House or Multi-Family / Income-Producing Opportunity in Chiefland, Florida. Beautiful country living with income-producing potential! Don’t miss this rare opportunity to own a versatile property featuring two homes on approximately one acre ideal for single-family living with a guest house, multi-family use, or rental income. The property is fully fenced and cross-fenced, offering flexibility for livestock or additional use. In total, there are seven structures: two homes, a clubhouse, barn, shop, and two carports. Utilities are well established with three septic systems, one well, and underground electric throughout. Each home has its own 200-amp panel, while the clubhouse and shop have 100-amp panels, and the barn has a 110-amp panel. The well has been recently upgraded with a new pump and tank and provides excellent water. The land adds both beauty and value, featuring mature pecan, orange, and lemon trees, along with young pomegranate and kumquat trees. An electric gate at the entrance enhances both convenience and security. Both homes feature raised concrete foundations with wood framing, reflecting solid construction and durability. The front home offers a two-bedroom, one-bath layout with a utility room, functional kitchen, and comfortable living area, along with spacious front and side porches. Totaling 1,554 sq ft (984 sq ft H/C), it includes an efficient gas fireplace for heating and a wall A/C unit for cooling. While central air was previously installed, the ductwork remains, allowing for easy reinstallation if desired. The back home includes two bedrooms, one bath, a kitchen, and combined living/dining area, with both front and back porches. Totaling 856 sq ft (656 sq ft H/C), it is equipped with a wall A/C and electric heater for reliable comfort. A new roof installed in January 2026 adds peace of mind. High-speed Wi-Fiber internet in both homes. The approximately 1,000 sq ft clubhouse, originally a deer camp on the Suwannee River and relocated to the property, includes a shower, sink, and toilet, along with its own septic system and 100-amp panel. While it could use some TLC, it remains functional and offers potential for additional living space or other uses. Enjoy peaceful Levy County living just minutes from the Suwannee River, approximately 20 minutes to the Gulf, and only 6 miles to Chiefland for shopping and everyday needs. Located within a rural commercial node, this property could present future rezoning potential, further enhancing its investment value. Whether you’re looking for a primary residence with a guest home, a multi-family setup, or an income-producing investment, this unique property delivers flexibility, functionality, and long-term potential.

6150 County Road 345, Chiefland, FL 32626 in Chiefland, FL 32626 is listed for $295,000. The home has 2 bedrooms, 1 bathroom, and 1,640 square feet, and was built in 1970. Listed 192 days ago. The price was reduced from $325,000. The listing is held by UNITED COUNTRY SMITH & ASSOCIATES - NEWBERRY.

32626 Market Report

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$2,372 (tax year 2025)

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 0% down on a USDA Rural Development loan, based on the latest published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

0%

Down payment (0% of price): $0

$

$2,546/moest.

0% down -- about $506 more per month than 20% down conventional.

  • Principal & Interest 79%
  • Property Taxes 8%
  • Insurance 10%
  • USDA Fee 3%
Principal & Interest
$2,015
Property Taxesfrom listing
$198
Insurance
$246
USDA Annual Fee
$87

The USDA annual fee continues for the life of the loan.

Included in your loan amount

USDA Guarantee Fee (financed)
$2,950

30-year fixed at 7.164%, as of November 10, 2026

Assumptions

USDA Rural Development: upfront fee 1.00%, annual mortgage insurance 0.35%; fee schedule effective October 1, 2025.

Mortgage rate: 7.164% for a 30-year fixed loan (Optimal Blue daily, published November 10, 2026). Your actual rate depends on your credit, loan type, and lender.

Down payment: 0% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender. Area eligibility is one requirement; USDA also applies household income limits and requires a primary residence. Your lender determines eligibility.

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Frequently Asked Questions

The estimated monthly payment is $2,546, based on 0% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $2,372 for tax year 2025. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Data courtesy of Stellar MLS as distributed by MLS GRID as of Oct 13, 2026 2:36 PM ET through Oct 14, 2026 2:36 PM ET. MLS# MFR789771368. HomeJam is not the listing broker.

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