191 HOWES STREET, Oak Hill, FL, 32759 | $849,000

Experience the essence of Oak Hill living where wide-open spaces, world-class fishing, and a true coastal-country lifestyle come together on one extraordinary 2. 9-acre property. Tucked beneath sweeping oak canopies on nearly 3 acres this one-of-a-kind estate offers FOUR separate living quarters on a single parcel, each with its own address, creating unmatched flexibility for a family compound, multi-generational arrangements, studio or workspace setups, or year-round/seasonal rental income opportunities. Properties like this simply do not exist on the market often.
Surrounded by mature landscaping and native trees, the setting is serene, shaded, and beautifully laid out. Altogether you’ll enjoy 4, 480 sq ft under heat and air, thoughtfully distributed to support multiple lifestyles, needs, and income streams.

THE MAIN HOME – 1, 800 SQ FT + 952 SQ FT FLORIDA ROOM
A welcoming primary residence featuring 2 bedrooms, 2 baths, an updated custom kitchen with cherry cabinets, granite countertops, upgraded appliances, pine wood floors, and thermal double-pane windows, a 2-car carport completes this comfortable central home perfect as the anchor residence for your compound or as the premium unit while renting out the others. This Florida room is what entertainers dreams are made of! Or your own private sanctuary. Room for a hot tub, for outdoor entertainment center overlooking your gorgeous property, fire up the Blackstone, a craft area. . need we say more?

1, 200 SQ FT RESIDENCE
Bright and spacious with vaulted ceilings, an open floor plan, a well-appointed kitchen, wood and tile flooring, and a generously sized bathroom. Ideal for guests, extended family, or a steady rental.

1, 000 SQ FT RESIDENCE
Full of charm, this home offers a kitchen, full bath, pine wood floors, a pecky cypress feature wall, and a gas fireplace, along with a double carport and porch. A perfect cozy retreat or rental unit.

480 SQ FT RESIDENCE
Cozy and efficient with pine flooring, a kitchen, full bath, and plenty of cabinet storage, perfect as a studio, office, or rental for traveling anglers and seasonal visitors.

A huge garage with workshop, plus three additional utility/storage buildings, expands the endless possibilities store equipment, run a home-based business, create hobby spaces, or outfit the perfect coastal workshop. And for water lovers? This property is a dream! Just minutes from some of the best fishing and boating waters in Florida, this location is a dream for anglers, kayakers, and anyone who loves life near the water. Bring your boat, your toys, and your vision as there’s room for all of it. With proximity to the Intracoastal and Mosquito Lagoon, this area is celebrated for redfish, snook, tarpon, and unforgettable sunrise runs on the water. Additional perks include NO HOA, horses allowed, a golf-cart-friendly area, and close proximity to the sought-after Burns Sci-Tech K-12 Charter School. No flooding and no flood insurance required adds even more peace of mind.
Whether you dream of a full family compound, income-producing rentals, or a coastal retreat that evolves with your lifestyle, this Oak Hill rarity offers limitless potential. Homes and opportunities like this truly must be seen to be believed.

Features

  • Rooms: 6
  • Bedrooms: 5
  • Baths: 5 full
  • Lot Size: x
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
  • Style: Contemporary
  • Year Built: 1981
  • Garage: Bath In Garage, Boat, Driveway, Guest, Parking Pad, Workshop in Garage
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 4,480
  • Acreage: 2.91
  • Lot Size: x
  • Est. Taxes: $5,501
  • Lot Desc: Corner Lot, City Lot, Landscaped, Level, Oversized Lot, Zoned for Horses
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: FC314338
  • Days on Market: 101 days
  • Website: https://www.raveis.com
    /prop/FC314338/191howesstreet_oakhill_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 3/18/2026 4:31:25 AM)
Listing courtesy of KELLER WILLIAMS RLTY FL. PARTN   Phone: 386-944-2800

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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191 HOWES STREET, Oak Hill, FL, 32759

$849,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $679,200 $679,200 $679,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.625% 6.000% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.214% 6.110% 6.078%
Monthly Tax Payment $458 $458 $458
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,910 $4,072 $5,686
Total Monthly Payment $4,460 $4,622 $6,236

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.