4881 Iron Horse Way, Ave Maria FL 34142, AVE MARIA, FL, 34142
Active87 days on marketListed May 22, 2026MLS #A12017271
About this home
4881 Iron Horse Way, Ave Maria FL 34142
Located within the desirable Maple Ridge community of Ave Maria, this upgraded 2021-built spec residence offers a rare blend of modern comfort, energy efficiency, and lifestyle-driven living. Situated on a premium lakefront lot, this 3-bedroom, 2.5-bath home features 1,717 sqft of thoughtfully designed living space. This home has been extensively enhanced with high-value upgrades throughout, including high impact windows & sliding glass doors, plantation shutters, upgraded lighting, foam-sprayed attic insulation, and additional insulated living-space walls designed to improve energy efficiency and year-round comfort. Additional improvements include an advanced irrigation system, water softener, alarm system, roof-mounted Starlink connectivity, custom closets in bedrooms, and a hurricane-impact front door. Outdoor enhancements feature a custom extended brick driveway & walkways, upgraded landscaping with privacy plantings, underground gutter drainage system, HOA-approved fencing, and lake views from the premium oversized lot. Inside, the home offers a clean & modern layout designed for both comfort and functionality. The insulated garage includes a split A/C system, Tesla-EV charging station, custom flooring, and a 50-amp generator setup capable of powering the home during outages. The spacious backyard provides ample room for a future pool and expanded outdoor space. Residents of Maple Ridge can enjoy resort-style amenities, parks, walking paths, events, & top-rated schools.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,717
Sqft
2
Garage
2021
Year built
$308
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 and the real association fee — not generic estimates.
$4,106 /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
$4,106/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.
vs edgeAI estimate
+31.4%
$/sqft vs Ave Maria actives
$308 vs $223
Days on market
87 vs 57 typical
Where $308/sqft sits among the 36 Ave Maria 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 Ave Maria
Get to know Ave Maria. See the full Ave Maria guide →
Ave Maria — neighborhood snapshot
Population
6,826
Median age
45
Median income
$92,458
Median home value
$404,250
Avg household
3
Households w/ children
501
For the school run
Collier County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Ave Maria market
$418K → $540K
Ave Maria median sold, yr/yr
98.6%
Sale-to-list ratio (12 mo)
4 of 36
Ave Maria actives have cut their price
Median sold price, Ave Maria, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 34% above the AVE MARIA 34142 median. See the full Ave Maria market guide →
Paper trail
This home's history
Reality check
What actually sold near 4881 Iron Horse Way
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$315,000
5072 Arancia Ln, Ave Maria FL 34142 · same community
3 bd · 3 ba · 1,705 sqft · $185/sqft · 194 DOM
Sold · Jun ’26$450,000
4300 ARLINGTON DRIVE
4 bd · 2 ba · 1,828 sqft · $246/sqft · 0 DOM
Sold · Jul ’26$410,000
5069 Arancia Lane, Ave Maria FL 34142
3 bd · 3 ba · 1,903 sqft · $215/sqft · 67 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4881 Iron Horse Way — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4881 Iron Horse Way — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
4881 Iron Horse Way FAQs
What would the monthly payment be for 4881 Iron Horse Way, Ave Maria FL 34142?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,106/mo — principal and interest, the actual property-tax bill, the $68/mo association fee 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.
How much are the HOA fees at 4881 Iron Horse Way, Ave Maria FL 34142?+
The association fee works out to $68 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4881 Iron Horse Way, Ave Maria FL 34142?+
The most recent tax bill on record (2025) was $6,361. 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 4881 Iron Horse Way, Ave Maria FL 34142?+
The listing reports pets: Dogs OK. 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 Ave Maria?+
At $528,950, this home is listed about 13% above the Ave Maria median of $469,900. The market section on this page shows how the area is trending.
Which schools are assigned to 4881 Iron Horse Way, Ave Maria FL 34142?+
Estates Elementary School (elementary), Palmetto Ridge High School (high), Corkscrew Middle School (middle) — Collier County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$528,950 runs 34% above the AVE MARIA 34142 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Estates Elementary School, Palmetto Ridge High School, Corkscrew Middle School — Estates Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of Coldwell Banker Realty · Devana Johnson. MLS #A12017271.
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 Miami Association of REALTORS®.
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