8781 S LAKESHORE DRIVE, FLORAL CITY, FL, 34436
Active411 days on marketListed Jun 26, 2025MLS #A4656947
About this home
8781 S LAKESHORE DRIVE
WATERFRONT HOMES**2 DETACHED HOMES + LAKEFRONT LIVING + INCOME OPPORTUNITY ON BRADLEY LAKE! THIS RARE PROPERTY FEATURES 2 FULLY RENOVATED SINGLE-FAMILY HOMES ON A SPACIOUS 0.52-ACRE LOT WITH 60 FT OF LAKE FRONTAGE AND 408 FT DEEP LOT*MAIN HOME - THE LAKE HOUSE IS A BEAUTIFULLY UPDATED 2 BED, 1 BATH WITH 1,048 FINISHED SQFT WITH A SUNROOM AND MULTIPLE DECKS OVERLOOKING STUNNING WATER VIEWS AND BREATHTAKING SUNSETS. 2ND HOME - THE GUEST HOUSE IS A 3 BEDROOMS, FULL BATH RESIDENCE WITH 800 FINISHED SQFT PLUS 1-CAR GARAGE AND A BRAND NEW METAL ROOF—PERFECT FOR MULTIGENERATIONAL LIVING, GUESTS, OR INCOME-PRODUCING AIRBNB/VRBO/SHORT TERM RENTAL ALLOWED**EACH BEDROOM HAS A SEPARATE ENTRANCE**THE ATTACHED GARAGE CAN BE USED AS A FLEX SPACE, SUCH AS A RECREATION ROOM, GAME ROOM, OR PRIVATE OFFICE, AND HAS ITS OWN SEPARATE ENTRANCE. BOTH HOMES HAVE BEEN FULLY RENOVATED, INCLUDING NEW ROOFS, AND ARE MOVE-IN READY*ENJOY PUBLIC WATER, NO HOA, AND NO DEED RESTRICTIONS—GIVING YOU THE FREEDOM TO BUILD A PRIVATE DOCK, PIER, OR BOAT RAMP AND CREATE YOUR OWN LAKEFRONT OASIS. DIRECT WATER ACCESS TO BRADLEY LAKE, WHICH CONNECTS TO THE TSALA APOPKA CHAIN OF LAKES—TOTALING OVER 19,111 ACRES OF NAVIGABLE FRESHWATER FOR BOATING, FISHING, AND EXPLORING. LOCATED IN PEACEFUL FLORAL CITY, JUST 1 MILE FROM THE 47-MILE WITHLACOOCHEE STATE TRAIL, AND CLOSE TO FLORAL CITY PARK, FORT COOPER STATE PARK, AND MAJOR NATURE ATTRACTIONS. ONLY MINUTES FROM INVERNESS, CRYSTAL RIVER, AND HOMOSASSA, AND A SHORT DRIVE TO TAMPA (67 MI) OR ORLANDO (86 MI) AIRPORTS. TWO RENOVATED HOMES. INCOME POTENTIAL. LAKEFRONT LIFESTYLE. WHETHER YOU'RE LOOKING FOR A PRIMARY RESIDENCE, VACATION GETAWAY, OR INVESTMENT PROPERTY, THIS IS A RARE FIND. SCHEDULE YOUR PRIVATE SHOWING TODAY! HOUSES ARE NOT IN A FLOOD ZONE**OWNER/BROKER
Facts & features
The home at a glance
5
Bedrooms
2
Bathrooms
1,848
Sqft
0.52 ac
Lot size
1
Garage
1967
Year built
One
Levels
$238
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.
$3,151 /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
$3,151/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.
$/sqft vs Floral City actives
$238 vs $193
Days on market
411 vs 67 typical
Where $238/sqft sits among the 37 Floral City 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 Floral City
Get to know Floral City. See the full Floral City guide →
FLORAL CITY 34436 — neighborhood snapshot
Population
8,170
Median age
60.3
Median income
$50,139
Median home value
$201,400
Avg household
2.25
Households w/ children
563
For the school run
Citrus County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Floral City market
$245K → $270K
Floral City median sold, yr/yr
95.7%
Sale-to-list ratio (12 mo)
22 of 37
Floral City actives have cut their price
Median sold price, Floral City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 47% above the FLORAL CITY 34436 median. See the full Floral City market guide →
Paper trail
This home's history
Reality check
What actually sold near 8781 S LAKESHORE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$380,000
718 CR 467 · same community
3 bd · 2 ba · 1,645 sqft · $231/sqft · 107 DOM
Sold · Aug ’25$363,000
9181 S MOUNTAIN LAKE AVENUE
4 bd · 2.5 ba · 1,988 sqft · $183/sqft · 160 DOM
Sold · Apr ’26$392,000
7630 E MEADOW LANE
4 bd · 2 ba · 1,673 sqft · $234/sqft · 5 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 8781 S LAKESHORE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8781 S LAKESHORE DRIVE — 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
8781 S LAKESHORE DRIVE FAQs
What would the monthly payment be for 8781 S LAKESHORE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,151/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 8781 S LAKESHORE DRIVE?+
The most recent tax bill on record (2024) was $2,469. 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 Floral City?+
At $440,000, this home is listed about 43% above the Floral City median of $307,450. The market section on this page shows how the area is trending.
Which schools are assigned to 8781 S LAKESHORE DRIVE?+
Floral City Elementary School (elementary), Citrus High School (high), Inverness Middle School (middle) — Citrus County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$440,000 runs 47% above the FLORAL CITY 34436 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
411 days on market against a Floral City median of 67 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $500,000, now $440,000 — a $60K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
$440,000
8781 S LAKESHORE DRIVE, FLORAL CITY
0 bd · 1,848 sqft
$445,000
8781 S LAKESHORE DRIVE FLORAL CITY, Other City - In The State Of Florida FL 34436, OTHER CITY - IN THE STATE OF FLORIDA
2,000 sqft
$445,000
8781 S LAKESHORE DR FLORAL CITY, Other City - In The State Of Florida FL 34436, OTHER CITY - IN THE STATE OF FLORIDA
5 bd · 2 ba · 2,000 sqft
Listing courtesy of INVESTY REALTY, LLC. · Amy Stanley. MLS #A4656947.
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 Stellar MLS.
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