18 4TH STREET, HORSESHOE BEACH, FL, 32648
Active145 days on marketListed Mar 9, 2026MLS #GC537503
About this home
18 4TH STREET
PRICE IMPROVEMENT! DO NOT MISS THE OPPORTUNITY TO OWN THIS ONE OF A KIND PROPERTY WITH GULF AND DEEP WATER CANAL FRONTAGE. Experience coastal living in Horseshoe Beach, Florida, with direct Gulf frontage, sweeping coastline views, and deep-water canal access — a rare combination perfect for boating, scalloping, and serene Gulf-side living. This thoughtfully renovated home is move-in ready, with premium upgrades throughout: freshly painted interior and exterior, new Hardy board siding, hurricane-standard windows and doors, luxury vinyl flooring throughout, granite countertops, and brand-new appliances. Structural updates include new sheetrock, plumbing, new HVAC system, and a structural engineered foundation pier system ensuring comfort, safety, and peace of mind. Step outside onto the expansive wrap-around deck to savor panoramic Gulf views, enjoy unforgettable sunsets, or host gatherings with family and friends. Inside, the home combines coastal charm with modern finishes, offering both relaxation and entertaining spaces. With turnkey updates \from top to bottom and direct access to a deep-water canal, this property effortlessly blends lifestyle, luxury, and functionality. Whether seeking a primary residence, weekend retreat, or investment property, this home offers the ultimate in Gulf Coast living — a rare opportunity to own a fully upgraded, waterfront sanctuary in one of Florida’s hidden gems. Note: Room sizes are approximate and should be verified by the buyer.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,352
Sqft
1.01 ac
Lot size
1980
Year built
One
Levels
$591
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.
$5,252 /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
$5,252/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.
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 180% above 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 18 4TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 18 4TH 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
18 4TH STREET FAQs
What would the monthly payment be for 18 4TH STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,252/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 18 4TH STREET?+
The most recent tax bill on record (2025) was $5,769. 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 Horseshoe Beach?+
At $799,000, this home is listed about 180% above the Horseshoe Beach median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 18 4TH STREET?+
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
Four things that matter here
01Positioned at the premium end
$799,000 runs 180% above the HORSESHOE BEACH 32648 median — but at 1,352 sqft it's also 16% larger than the typical Horseshoe Beach listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong 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.
04The price has already moved
Listed at $950,000, now $799,000 — a $151K cut. The full history is in the market section below.
Listing courtesy of MAIN & FIELD REAL ESTATE, LLC · Jane Clemons. MLS #GC537503.
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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