10433 SW JERNIGAN STREET, ARCADIA, FL, 34269
Active92 days on marketListed May 8, 2026MLS #A4693057
About this home
10433 SW JERNIGAN STREET
DON'T MISS THIS ONE!! BRING YOUR FARM ANIMALS, TOYS, AND FURNITURE!! This stunning modern farmhouse on over 10 acres is everything you’ve been waiting for!! Located in one of the most desirable areas of DeSoto County, this beautifully updated 4-bedroom, 2-bath home perfectly blends rustic farmhouse charm with stylish modern finishes. Inside, you’ll find shiplap accents, exposed beams, and sliding barn doors paired with granite countertops, stainless steel appliances, subway tile, and thoughtfully designed living spaces throughout. This property is loaded with upgrades and features for peace of mind living including a NEW ROOF in 2023, newer HURRICANE IMPACT WINDOWS (2020), newer septic system (2017), an updated two-zone A/C system with new ductwork, a huge bonus room, an oversized two-car garage, workshop space, a BRAND NEW POLE BARN, and so much more!! The paved driveway and automatic gated entrance add convenience and privacy from the moment you arrive. If you love the outdoors or want to try your hand at farming, you will love the impressive outbuildings, including a large barn with covered storage for ATVs, boats, or equipment, plus enclosed workshop/man cave space, hay storage, and even a chicken coop!! The property is fully equipped for country living with both a traditional deep well for the home and an artesian well for livestock watering. Add a garden and create your own private, self-sustaining retreat!! Backing up to the beautiful RV Griffin Reserve and situated at the end of the street with minimal traffic, this peaceful property offers privacy, scenic views, and a small creek running through the land — perfect for HORSES or CATTLE!! Rarely does a property combine modern updates, functional acreage, and farmhouse character quite like this one. And it's ideally located (NOT IN A FLOOD ZONE!!) close enough to shops, restaurants, golfing, and HISTORIC DOWNTOWN ARCADIA, yet far enough to get away from it all!! Call today to schedule your private tour!!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,301
Sqft
10.03 ac
Lot size
2
Garage
1980
Year built
One
Levels
$424
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.
$6,034 /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
$6,034/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.
$/sqft vs Arcadia actives
$424 vs $242
Days on market
92 vs 43 typical
Where $424/sqft sits among the 125 Arcadia 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 Arcadia
Get to know Arcadia. See the full Arcadia guide →
ARCADIA 34269 — neighborhood snapshot
Population
5,111
Median age
62.7
Median income
$54,792
Median home value
$188,800
Avg household
2.16
Households w/ children
347
For the school run
DeSoto County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Arcadia market
$260K → $259K
Arcadia median sold, yr/yr
94.1%
Sale-to-list ratio (12 mo)
53 of 125
Arcadia actives have cut their price
Median sold price, Arcadia, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 183% above the ARCADIA 34269 median. See the full Arcadia market guide →
Paper trail
This home's history
Reality check
What actually sold near 10433 SW JERNIGAN STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$1,400,000
8625 SW COUNTY ROAD 769
4 bd · 4.5 ba · 4,305 sqft · $325/sqft · 255 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 10433 SW JERNIGAN STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10433 SW JERNIGAN STREET — 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
10433 SW JERNIGAN STREET FAQs
What would the monthly payment be for 10433 SW JERNIGAN STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,034/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 10433 SW JERNIGAN STREET?+
The most recent tax bill on record (2025) was $2,976. 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 Arcadia?+
At $974,900, this home is listed about 169% above the Arcadia median of $362,000. The market section on this page shows how the area is trending.
Which schools are assigned to 10433 SW JERNIGAN STREET?+
Nocatee Elementary School (elementary) — DeSoto 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
$974,900 runs 183% above the ARCADIA 34269 median — but at 2,301 sqft it's also 64% larger than the typical Arcadia listing.
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
92 days on market against a Arcadia median of 43 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $995,900, now $974,900 — a $21K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ISLAND LIFE REAL ESTATE · Michael Johnson. MLS #A4693057.
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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