3990 NE ASHLEY TERRACE, ARCADIA, FL, 34266
Active387 days on marketListed Jul 3, 2025MLS #C7512003
About this home
3990 NE ASHLEY TERRACE
Don’t miss this exceptional opportunity to own a beautifully designed, custom-built brick home nestled on two spacious lots in the highly desirable Voss Oaks Subdivision. *This expansive residence offers 5 bedrooms and 3.5 bathrooms, thoughtfully updated and filled with upscale finishes and conveniences. You'll find elegant crown molding and ceiling fans throughout, enhancing both comfort and style. *The eat-in kitchen is a chef’s dream, featuring granite countertops, a double oven, and a seamless flow into the large family room, where a cozy wood-burning fireplace creates a perfect gathering space. Retreat to the impressive 15’ x 31’ master suite, a true sanctuary of space and comfort. *Additional modern conveniences include a central vacuum system and a alarm system for peace of mind. *Step outside to your personal oasis—an oversized 13’ x 56’ screened back porch overlooking a newly resurfaced 15’ x 34’ heated saltwater pool, all within a fully enclosed lanai. An additional 16’ x 12’ open-air porch is ideal for outdoor cooking and entertaining. *Car enthusiasts and hobbyists will appreciate the attached 25’ x 22’ garage and a massive detached 25’ x 35’ garage, fully insulated with spray foam and equipped with air conditioning. *Situated among mature oak trees and lush landscaping, the home also features a sprinkler system to keep the grounds pristine year-round. Additional Lots are available under separate contract. *This home truly offers the perfect blend of luxury, functionality, and location. Schedule your private showing today!
Facts & features
The home at a glance
5
Bedrooms
3.5
Bathrooms
3,148
Sqft
0.5 ac
Lot size
4
Garage
1987
Year built
Two
Levels
$214
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.
$4,364 /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
$4,364/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
$214 vs $240
Days on market
387 vs 35 typical
Where $214/sqft sits among the 120 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 34266 — neighborhood snapshot
Population
29,065
Median age
39.7
Median income
$47,414
Median home value
$144,600
Avg household
2.55
Households w/ children
3,349
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
$280K → $260K
Arcadia median sold, yr/yr
94.4%
Sale-to-list ratio (12 mo)
52 of 120
Arcadia actives have cut their price
Median sold price, Arcadia, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 146% above the ARCADIA 34266 median. See the full Arcadia market guide →
Paper trail
This home's history
Reality check
What actually sold near 3990 NE ASHLEY TERRACE
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$419,000
2038 & 2066 NE VOSS OAKS CIRCLE · same community
3 bd · 2.5 ba · 1,974 sqft · $212/sqft · 51 DOM
Sold · Oct ’25$469,990
1505 N ARCADIA AVENUE
4 bd · 3.5 ba · 4,089 sqft · $115/sqft · 12 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 3990 NE ASHLEY TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3990 NE ASHLEY TERRACE — 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
3990 NE ASHLEY TERRACE FAQs
What would the monthly payment be for 3990 NE ASHLEY TERRACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,364/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 3990 NE ASHLEY TERRACE?+
The most recent tax bill on record (2024) was $3,707. 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 $675,000, this home is listed about 85% above the Arcadia median of $365,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3990 NE ASHLEY TERRACE?+
West 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
$675,000 runs 146% above the ARCADIA 34266 median — but at 3,148 sqft it's also nearly twice the size of the typical Arcadia listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
387 days on market against a Arcadia median of 35 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $795,000, now $675,000 — a $120K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of TIMOTHY D BACKER · Timothy Backer. MLS #C7512003.
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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