227 SMITH AVENUE, ARCADIA, FL, 34266
Active165 days on marketListed Feb 6, 2026MLS #C7521609
About this home
227 SMITH AVENUE
Fabulous Cottage is a massive property offering 7 bedrooms, 4 bathrooms, and the convenience of city sewer and water. Situated on a spacious corner lot, it provides easy access from multiple roads, making guest parking simple and stress-free. The main home features 3 bedrooms and 2 baths, a spacious laundry room, updated electricity, and a new shingle roof, and is complemented by an attached mother-in-law unit with 4 bedrooms and 2 baths—perfect for extended family or guests. Both dwellings are equipped with appliances and laundry rooms and have newer central A/C units. This property is ideal for those who wish to care for loved ones while maintaining privacy and independence. .
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,617
Sqft
0.38 ac
Lot size
1946
Year built
One
Levels
$120
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.
$2,578 /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
$2,578/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 Arcadia actives
$120 vs $240
Days on market
165 vs 35 typical
Where $120/sqft sits among the 119 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)
49 of 119
Arcadia actives have cut their price
Median sold price, Arcadia, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 16% above the ARCADIA 34266 median. See the full Arcadia market guide →
Paper trail
This home's history
Reality check
What actually sold near 227 SMITH AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$375,000
825 N JOHNSON AVENUE
3 bd · 2 ba · 2,737 sqft · $137/sqft · 760 DOM
Sold · Sep ’25$349,000
117 EVANGELINE STREET
3 bd · 3 ba · 2,453 sqft · $142/sqft · 72 DOM
Sold · Jan ’26$270,000
612 W WHIDDEN STREET
3 bd · 2.5 ba · 2,953 sqft · $91/sqft · 11 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 227 SMITH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 227 SMITH AVENUE — 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
227 SMITH AVENUE FAQs
What would the monthly payment be for 227 SMITH AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,578/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 227 SMITH AVENUE?+
The most recent tax bill on record (2025) was $5,096. 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 $315,000, this home is listed about 14% below the Arcadia median of $365,000. The market section on this page shows how the area is trending.
Which schools are assigned to 227 SMITH AVENUE?+
West Elementary School (elementary) — DeSoto County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of TURNER REALTY, INC. · Maribel Carrillo. MLS #C7521609.
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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