3456 ELM STREET, ZOLFO SPRINGS, FL, 33890
Active84 days on marketListed May 19, 2026MLS #L4962027
About this home
3456 ELM STREET
Move in ready! This home in Zolfo Springs boasts a prime location! Just half a mile from Pioneer Park, you'll have easy access to the Peace River for canoeing, kayaking, fossil hunting, picnicking, playground fun, Wildlife Refuge and camping. The county seat of Wauchula is only 4 miles away, with the charming town of Arcadia just a 20-mile drive. This concrete block home features a master bedroom with an en-suite bath and walk-in shower, plus two additional bedrooms and a guest bath with a tub and shower combo. The open floor plan provides views from the living room to the dining room and kitchen, while a spacious utility room offers plenty of workspace and access to the carport. The yard is shaded by mature oak trees, adding to the home's appeal. A new roof was placed in January 2026.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,450
Sqft
0.34 ac
Lot size
2008
Year built
One
Levels
$176
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.
$2,108 /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
$2,108/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 Zolfo Springs
Get to know Zolfo Springs. See the full Zolfo Springs guide →
ZOLFO SPRINGS 33890 — neighborhood snapshot
Population
4,991
Median age
34.9
Median income
$70,179
Median home value
$140,700
Avg household
3.25
Households w/ children
683
The numbers that matter
The Zolfo Springs market
$221K → $318K
Zolfo Springs median sold, yr/yr
95.0%
Sale-to-list ratio (12 mo)
Median sold price, Zolfo Springs, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 11% above the ZOLFO SPRINGS 33890 median. See the full Zolfo Springs market guide →
Paper trail
This home's history
Reality check
What actually sold near 3456 ELM STREET
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$205,000
904 TERRIER DRIVE
3 bd · 1 ba · 1,536 sqft · $133/sqft · 305 DOM
Sold · Jun ’26$85,000
107 COLLEGE LANE
2 bd · 2 ba · 920 sqft · $92/sqft · 96 DOM
Sold · Jun ’26$285,000
127 5TH STREET W
3 bd · 2 ba · 1,980 sqft · $144/sqft · 22 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 3456 ELM STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3456 ELM 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
3456 ELM STREET FAQs
What would the monthly payment be for 3456 ELM STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,108/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 3456 ELM STREET?+
The most recent tax bill on record (2025) was $4,013. 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 Zolfo Springs?+
At $255,000, this home is listed about 2% above the Zolfo Springs median of $250,000. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of ASHBROOK REALTY LLC · Sandy Larrison. MLS #L4962027.
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.
Never miss a listing
New Zolfo Springs homes, in your inbox
Like 3456 ELM STREET but not quite? A daily digest of every new listing in Zolfo Springs — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →