12964 SW 285th Ter, Homestead FL 33033, HOMESTEAD, FL, 33033
Active52 days on marketListed Jun 25, 2026MLS #A12043149
About this home
12964 SW 285th Ter, Homestead FL 33033
Beautifully maintained 5 bed, 3 bath 2-story home situated on a desirable corner lot in Homestead! This spacious home features thoughtful updates as well as a downstairs bedroom and full bathroom (2023 vanity), perfect for multi-generational living. Enjoy a charming modernized kitchen, complete with a pantry. Upstairs, you’ll find four additional bedrooms, including an oversized primary room with a walk-in closet and ensuite. A second bedroom also features its own walk-in closet. The laundry room has been enhanced with cabinetry for extra storage, and includes a 2025 washer and 2020 dryer. Step outside to enjoy a private backyard oasis with 2 pergolas, along with banana and lemon trees, and space for a pool - perfect for outdoor dining or relaxing. Additional highlights include a 1-car garage and accordion shutters throughout.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,146
Sqft
1
Garage
2012
Year built
$307
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 — not generic estimates.
$4,358 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,358/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+17.3%
$/sqft vs Homestead actives
$307 vs $268
Days on market
52 vs 57 typical
Where $307/sqft sits among the 399 Homestead 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 Homestead
Get to know Homestead. See the full Homestead guide →
HOMESTEAD 33033 — neighborhood snapshot
Population
69,075
Median age
33.2
Median income
$66,662
Median home value
$364,700
Avg household
3.32
Households w/ children
10,444
For the school run
Dade County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Homestead market
$461K → $488K
Homestead median sold, yr/yr
98.9%
Sale-to-list ratio (12 mo)
58 of 399
Homestead actives have cut their price
Median sold price, Homestead, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 106% above the HOMESTEAD 33033 median. See the full Homestead market guide →
Paper trail
This home's history
Reality check
What actually sold near 12964 SW 285th Ter
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$595,000
28402 SW 129th Pl, Homestead FL 33033 · same community
5 bd · 3 ba · 2,146 sqft · $277/sqft · 15 DOM
Sold · Jun ’26$508,980
28469 SW 131st Ct, Homestead FL 33033 · same community
4 bd · 2 ba · 1,613 sqft · $316/sqft · 11 DOM
Sold · Jan ’26$459,000
28407 SW 131st Ct, Homestead FL 33033 · same community
3 bd · 2 ba · 1,425 sqft · $322/sqft · 103 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 12964 SW 285th Ter — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12964 SW 285th Ter — 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
12964 SW 285th Ter FAQs
What would the monthly payment be for 12964 SW 285th Ter, Homestead FL 33033?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,358/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 12964 SW 285th Ter, Homestead FL 33033?+
The most recent tax bill on record (2025) was $4,740. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Homestead?+
At $659,000, this home is listed about 47% above the Homestead median of $449,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12964 SW 285th Ter, Homestead FL 33033?+
Irving & Beatrice Peskoe K-8 Center (elementary), Title I Migrant Education Program (), Homestead Senior High School (high), Redland Middle School (middle), Instructional Center System Wide (), District Instructional Center (Dic) () — Dade 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
$659,000 runs 106% above the HOMESTEAD 33033 median — but at 2,146 sqft it's also 35% larger than the typical Homestead listing.
02Other views
The other view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $669,000, now $659,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of Coldwell Banker Realty · Krissy Camacho PA. MLS #A12043149.
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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