502 MAIN STREET UNIT 207, HORSESHOE BEACH, FL, 32648
Active176 days on marketListed Feb 11, 2026MLS #GC536909
About this home
502 MAIN STREET UNIT 207
Price Improvement with UP TO $15K IN SELLER CONCESSIONS AVAILABLE - Use it for new appliances, upgraded counters, pre-paids and closing costs - You Decide! Wake up to sweeping Gulf views and salty sea breezes from your private balcony in this sought-after condo at Horseshoe Cove. Unobstructed views of the Gulf and designed for easy coastal living, this inviting retreat sits in a quiet waterfront community where boating, fishing, and sunset golf-cart rides are part of everyday life. Just a short walk from the Gulf, the condo offers quick access to a deep-water boat ramp with direct channel access—perfect for guests eager to get on the water without delay. Inside, the open and functional layout includes two bedrooms, two full bathrooms, and a flexible bonus room currently set up as a third sleeping area (with under-bed storage) and office space with accordion windows, making it ideal for maximizing rental potential. This unit also comes FULLY FURNISHED including dishes and linens. Some artwork does not convey. The kitchen features well-maintained laminate countertops, generous cabinet storage, with a stackable w/d in the adjacent utility room, while the primary suite enjoys water views and primary bath with tub, walk-in shower and separate water closet. Convenience is key, with assigned parking directly below the unit and easy access to the elevator and stairs. Guests and owners alike will appreciate the community amenities, which include a waterfront pool, boat dock (repairs underway), boat wash station, and fish cleaning area. Whether you’re looking for a personal coastal getaway or a strong short-term rental opportunity, this Horseshoe Cove condo delivers the perfect blend of relaxation, recreation, and income potential. This community just completed $2.5 million in major improvements, including a new roof, new hardiboard siding, new exterior paint, new impact resistant doors and windows, helping reduce maintenance and increase long-term value. Add to that their fully funded reserve account, and new owners can feel confident in this purchase.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,161
Sqft
0.02 ac
Lot size
2005
Year built
One
Levels
$237
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 and the real association fee — not generic estimates.
$2,981 /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
$2,981/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.
Where it sits
Inside Horseshoe Beach
Get to know Horseshoe Beach. See the full Horseshoe Beach guide →
HORSESHOE BEACH 32648 — neighborhood snapshot
Population
250
Median age
52.5
Median income
$33,292
Median home value
$176,100
Avg household
2.34
Households w/ children
14%
For the school run
Dixie County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Horseshoe Beach market
$408K → $408K
Horseshoe Beach median sold, yr/yr
This home is listed 4% below the HORSESHOE BEACH 32648 median. See the full Horseshoe Beach market guide →
Paper trail
This home's history
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 502 MAIN STREET UNIT 207 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 502 MAIN STREET UNIT 207 — 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
502 MAIN STREET UNIT 207 FAQs
What would the monthly payment be for 502 MAIN STREET UNIT 207?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,981/mo — principal and interest, the actual property-tax bill, the $765/mo association fee 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.
How much are the HOA fees at 502 MAIN STREET UNIT 207?+
The association fee works out to $765 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 502 MAIN STREET UNIT 207?+
The most recent tax bill on record (2025) was $3,789. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 502 MAIN STREET UNIT 207?+
The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Horseshoe Beach?+
At $275,000, this home is listed about 4% below the Horseshoe Beach median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 502 MAIN STREET UNIT 207?+
James M. Anderson Elementary School (elementary), Dixie County High School (high), Old Town Elementary School (elementary) — Dixie County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Under the HORSESHOE BEACH 32648 market on paper
$275,000 is 4% below the HORSESHOE BEACH 32648 median of $285,000, and at $237/sqft it sits under the Horseshoe Beach average of $307.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Know the monthly fee
The association fee is $765/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Strong assigned schools
James M. Anderson Elementary School, Dixie County High School, Old Town Elementary School — Old Town Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $295,000, now $275,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BHHS FLORIDA REALTY · Sarah Garrigues-Jones. MLS #GC536909.
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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