3932 SW Watson St, Fort White, FL 32038 Property Records

Columbia County property record for 3932 SW Watson St, Fort White, FL 32038

Property Summary

Property Type	General Agricultural/Rural
Details	5 bd · 3 ba · 3,829 sqft · built 2020
Lot Size	5.05 acres (219,978 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,387 (2024)
Deeds & Mortgages	Jul 2020 Loan Modification Nov 2019 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-5S-16-03737-125`

Property Details

APN / Parcel Number

Primary APN	`29-5S-16-03737-125`
Alternative APN	`R03737125`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,829 sqft Gross Area
1st Floor Area	2,994 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	219,978 sqft (5.05 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	517 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3932 SW WATSON ST
City	FORT WHITE
State	FL
Zip	32038-8330
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > General Agricultural/Rural
Local Zoning Code	A-1
Legal Description	LOT 3A TURKEY HAVEN S/D UNREC
Legal Range	16E
Legal Township	05S
Legal Section	29
Legal Subdivision	TURKEY HAVEN S/D
Legal Lot Number	3A
Jurisdiction	COLUMBIA FL
Township / Civil Division	FORT WHITE
Census Block Group	3
Census Block	3006
Census Tract	110904

Owner

Source: Columbia County records, as of January 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3932 SW WATSON ST, FORT WHITE, FL 32038-8330
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2020	Loan Modification, Mortgage FIRST FED'L SVGS BK
Nov 6, 2019	Deed of Trust, Construction Loan · Construction Mortgage FIRST FED'L SVGS BK
Aug 26, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 23, 2019
Transfer Doc	0013920229
Record Updated	Jun 8, 2026

July 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	COLUMBIA FL
Property Address	3932 SW WATSON ST, FORT WHITE, FL 32038-8330
Document Number	0014151497
Instrument Date	Jul 17, 2020
Transaction Type	Mortgage
Record Updated	Aug 18, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3932 SW WATSON ST FORT WHITE FL 320388330, FORT WHITE, FL 32038-8330

Mortgage

Document Number	0014151497
Date	Jul 20, 2020
Book Page	001415/001497
Instrument	12012055

Lender

Name	FIRST FED'L SVGS BK
Type	Federal Savings Bank
Address	LAKE CITY, FL 32055

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 19, 2050

November 2019: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	COLUMBIA FL
Recording Date	Nov 6, 2019
Property Address	3932 SW WATSON ST, FORT WHITE, FL 32038-8330
Document Number	0013980237
Book / Page	001398 / 000237
Instrument Date	Nov 5, 2019
Instrument	12025826
Transaction Type	Construction Loan
Record Updated	Aug 18, 2020
Title Company	ABSTRACT TRUST TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8916 SW TUSTENUGGEE AVE LAKE CITY FL 320241448, LAKE CITY, FL 32024-1448

Mortgage

Document Number	13980237
Date	Nov 6, 2019
Book Page	001398/000237
Instrument	12025826

Lender

Name	FIRST FED'L SVGS BK
Type	Federal Savings Bank
Address	LAKE CITY, FL 32055

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 5, 2049

Interest

Rate Type	Fixed Rate

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COLUMBIA FL
Recording Date	Aug 26, 2019
Property Address	3932 SW WATSON ST, FORT WHITE, FL 32038-8330
Document Number	0013920229
Book / Page	001392 / 000229
Instrument Date	Aug 23, 2019
Instrument	12019916
Transaction Type	Transfer
Record Updated	Sep 4, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8916 SW TUSTENUGGEE AVE LAKE CITY FL 320241448, LAKE CITY, FL 32024-1448

Tax Assessment & Valuation

Source: Columbia County assessment roll, as of January 7, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Columbia County
Unified School District	Columbia County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$269,680 (+2.99%)	$403,483 (-0.89%) Land $50,500 Building $352,983
2025		$261,858 (+5.97%) Land $11,620 Building $250,238	$407,089 (+14.11%)
2024	$3,387.00 (+2.67%)
2023	$3,299.00 (+3.32%) Homeowner's exemption	$247,110 (+3.46%) Land $10,025 Building $237,085	$356,766 (+13.7%)
2022	$3,193.00 Homeowner's exemption	$238,845	$313,788 Land $37,875 Building $275,913

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective November 30, 2022

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 58% of the US · lower than 68% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

Cell Coverage

5G and 4G LTE (outdoors only)

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