3057 CR 431N, LAKE PANASOFFKEE, FL, 33538
Active333 days on marketListed Sep 9, 2025MLS #O6339888
About this home
3057 CR 431N
Build your dream home on this waterfront canal lot in the heart of Lake Panasoffkee, one of Central Florida's hidden gems for boating, fishing, and outdoor recreation. This property features a concrete seawall already in place, adding value and helping simplify future development. Enjoy canal frontage with access to the area's renowned waterways, perfect for fishing enthusiasts, nature lovers, and anyone seeking a peaceful waterfront lifestyle. With no shortage of nearby outdoor activities, including boating, kayaking, wildlife viewing, and access to Lake Panasoffkee, this property offers the perfect combination of recreation, privacy, and future potential. Whether you are looking to build now, invest for the future, or secure your own slice of Florida waterfront living, this is an opportunity you do not want to miss. Conveniently located near I-75, The Villages, Inverness, and Orlando, this property provides easy access to shopping, dining, entertainment, and medical facilities while still offering the tranquility of Old Florida living. Bring your vision and start planning your waterfront retreat today.
Facts & features
The home at a glance
0.2 ac
Lot size
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.
$325 /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
$325/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 Lake Panasoffkee
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lake Panasoffkee. See the full Lake Panasoffkee guide →
LAKE PANASOFFKEE 33538 — neighborhood snapshot
Population
5,748
Median age
47.6
Median income
$48,951
Median home value
$157,200
Avg household
2.13
Households w/ children
692
For the school run
Sumter County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lake Panasoffkee market
$194K → $166K
Lake Panasoffkee median sold, yr/yr
92.4%
Sale-to-list ratio (12 mo)
Median sold price, Lake Panasoffkee, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 86% below the LAKE PANASOFFKEE 33538 median. See the full Lake Panasoffkee market guide →
Paper trail
This home's history
Reality check
What actually sold near 3057 CR 431N
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$180,000
2903 CR 426E · same community
3 bd · 2 ba · 1,352 sqft · $133/sqft · 5 DOM
Sold · Mar ’26$194,900
2890 CR 426E · same community
3 bd · 2 ba · 1,387 sqft · $141/sqft · 182 DOM
Sold · Jun ’26$40,000
1710 NORTHWEST 29TH ROAD
1 bd · 1 ba · 432 sqft · $93/sqft · 69 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 3057 CR 431N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3057 CR 431N — 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
3057 CR 431N FAQs
What would the monthly payment be for 3057 CR 431N?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $325/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 3057 CR 431N?+
The most recent tax bill on record (2024) was $81. 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 3057 CR 431N?+
The listing reports pets: Yes. 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 Lake Panasoffkee?+
At $25,000, this home is listed about 87% below the Lake Panasoffkee median of $189,500. The market section on this page shows how the area is trending.
Which schools are assigned to 3057 CR 431N?+
Lake Panasoffkee Elementary School (elementary), South Sumter Middle School (middle) — Sumter County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Under the LAKE PANASOFFKEE 33538 market on paper
$25,000 is 86% below the LAKE PANASOFFKEE 33538 median of $175,500.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
333 days on market against a Lake Panasoffkee median of 53 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Lake Panasoffkee Elementary School, South Sumter Middle School — South Sumter Middle School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $45,000, now $25,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HOMEVEST REALTY · Erica Diaz. MLS #O6339888.
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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