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Single Family ResidenceResidential
$348,159$206 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 87How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $21,000 on Dec 29, 1999

971 SW RUM ISLAND TER

FORT WHITE, FL 32038
3
Beds
2
Baths
1,689 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
5.78 ac
Lot SizeThe size of the land the home sits on, from county records.
2001
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$348K
$303K low$393K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$21,000 · Dec 29, 1999
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$190,659
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$152,527
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.44%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$107,500
BANK OF AMERICA · recorded Nov 21, 2014
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$50,000
BANK OF AMERICA NA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,303 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$179,217 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$174,166
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$288,270

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.37 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyColumbia
Lot (acres)The size of the land the home sits on, from county records.5.78
ConstructionThe main material the home's frame and walls are built from.Masonry/Concrete Masonry Units (Cmus)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Fort White Elementary SchoolD+
Elementary · Grades PK–5 · 6.4 mi
M
Fort White High SchoolC-
Middle · Grades 6–12 · 6.7 mi

District: Columbia County School District

Neighborhood · ZIP 32038These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.122
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.86
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.22

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.86%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.12%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.19%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.11,234
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.103 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$55,846
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$73,698
Average tempThe average temperature here across a full year.69°F
Annual precipHow much rain and melted snow falls here in a typical year.54 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

971 Sw Rum Island Ter measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 71% of homes in Columbia County
  • Costs more per square foot than 81% of homes in Columbia County
  • Has a bigger lot than 85% of homes in Columbia County
  • Newer than 75% of homes in Columbia County

What homes are worth in Fort White 32038

Each bar is how many homes fall in that price range. The marker is this home.

This home
$94K$721K

This home is worth more than 60% of homes in Fort White 32038.

How it measures up in Fort White 32038

The dot is this home. The mark in the middle is the typical home in Fort White 32038.

Estimated value$348,159
CheaperTypical $314,972Pricier

Pricier than 60% of homes nearby

Price per ft²$206
CheaperTypical $197Pricier

Pricier than 58% of homes nearby

Living area1,689 ft²
SmallerTypical 1,485 ft²Bigger

Bigger than 64% of homes nearby

Lot size5.78 ac
SmallerTypical 4.16 acBigger

Bigger than 71% of homes nearby

Year built2001
OlderTypical 1997Newer

Newer than 66% of homes nearby

How 971 Sw Rum Island Ter ranks against every home in each area.
MeasureThis homeFort White 32038Columbia County
Estimated valuepricier than$348,15960% of homes71% of homes
Price per ft²pricier than$20658% of homes81% of homes
Living areabigger than1,689 ft²64% of homes61% of homes
Lot sizebigger than5.78 ac71% of homes85% of homes
Year builtnewer than200166% of homes75% of homes

About 971 Sw Rum Island Ter

How much is 971 Sw Rum Island Ter, Fort White, FL worth?

The TopHap Estimate for 971 Sw Rum Island Ter, Fort White, FL is $348,159 as of Jul 14, 2026. The likely range is $303,450 to $392,868. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 971 Sw Rum Island Ter, Fort White, FL last sell?

971 Sw Rum Island Ter, Fort White, FL last sold on Dec 29, 1999 for $21,000, according to the county's recorded deed.

How big is 971 Sw Rum Island Ter, Fort White, FL?

971 Sw Rum Island Ter, Fort White, FL has 3 bedrooms, 2 bathrooms, 1,689 square feet of living space and a 5.78-acre lot.

When was 971 Sw Rum Island Ter, Fort White, FL built?

971 Sw Rum Island Ter, Fort White, FL was built in 2001, making it 25 years old. The building has 1 story.

What schools serve 971 Sw Rum Island Ter, Fort White, FL?

971 Sw Rum Island Ter, Fort White, FL is assigned to Fort White Elementary School (elementary), rated D+; Fort White High School (middle), rated C-. All sit in Columbia County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 971 Sw Rum Island Ter, Fort White, FL compare to other homes in Fort White 32038?

Among the 4,373 homes in Fort White 32038, it is worth more than 60% of them ($348,159 against a typical $314,972), its price per square foot is higher than 58% of them ($206 against a typical $197), it is bigger than 64% of them (1,689 ft² against a typical 1,485 ft²), its lot is bigger than 71% of them (5.78 ac against a typical 4.16 ac) and it is newer than 66% of them (2001 against a typical 1997). Measured against all of Columbia County, it is worth more than 71% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 971 Sw Rum Island Ter, Fort White, FL?

The 2024 property tax bill for 971 Sw Rum Island Ter, Fort White, FL was $2,303. The county assessed it at $179,217.

Closest homes

More homes in Fort White 32038

Assigned schools

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