David Ramirez
$180,000$265,000$1,328 /mo all-in ↓

52215 STATE ROAD 19, ALTOONA, FL, 32702

Active316 days on marketListed Sep 20, 2025MLS #O6345068

Priced 17% below the ALTOONA 32702 medianReduced $85K

About this home

52215 STATE ROAD 19

Click on the Video Tour Link! Outdoorsman’s Dream! Rare 2.41 Acres of High & Dry Land in coveted Flood Zone X—fully cleared and ready for your new home. This property already features a working well, easy electric setup, gated entrance, and mulch driveway. Mature pine, oak, and scrub oak trees surround the land, providing privacy and a stunning natural backdrop—without a single neighbor in sight! Backing up to a federal forestry wildlife reserve, you’ll enjoy forever seclusion and an outdoor lifestyle like no other. Imagine trail riding, fishing, boating, camping, and stargazing right at your doorstep. Public boat ramps are just minutes away, giving access to deep-water lakes like Beakman and Seller—virtually untouched and fully stocked for fishing fanatics. Plus, you’re surrounded by some of Florida’s most famous natural springs—Alexander, Juniper, Silver Glen, and Salt Springs—all just a short drive. All of this serenity comes with convenience, too: grocery stores, shopping, schools, and restaurants are nearby. Whether you’re looking for a peaceful weekend retreat or the perfect site for your forever home, this property checks every box. Don’t miss this rare chance to own a piece of Florida paradise—schedule your visit today!

Facts & features

The home at a glance

2.41 ac

Lot size

Inside

Outside & construction

FacesWest

Community & fees

Taxes (2024)$346/yr

Utilities & systems

UtilitiesElectricity Available · Public · Water Available
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$1,328 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,060
FHA mortgage insurance (est.)$80
Property tax — 2024 actual bill$29
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $6,300Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $6,300
Interest rate6.00%
Loan term

Estimated payment

$1,328/mo

Principal & interest$1,060
FHA mortgage insurance (est.)$80
Property taxes (actual bill)$29
Est. insurance$160

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 Altoona

Map of 52215 STATE ROAD 19

Drive times from this address

Downtown Orlando75 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Altoona. See the full Altoona guide →

ALTOONA 32702 — neighborhood snapshot

Population

2,732

Median age

56.6

Median income

$51,762

Median home value

$92,700

Avg household

2.17

Households w/ children

211

For the school run

Lake County School District

ElementarySpring Creek Charter School★★★★★
MiddleUmatilla Middle School★★★★★
HighUmatilla High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Altoona market

Seller’s marketSeller’s market1.9 months of inventoryBuyer’s market

$242K$104K

Altoona median sold, yr/yr

91.2%

Sale-to-list ratio (12 mo)

Median sold price, Altoona, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 17% below the ALTOONA 32702 median. See the full Altoona market guide →

Paper trail

This home's history

CurrentPrice reduced to $180,000 $85K
Sep 20, 2025Listed at $265,000 · 316 days on market since

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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 52215 STATE ROAD 19 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 52215 STATE ROAD 19 — 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.

Goes straight to David’s phone and CRM.

Straight answers

52215 STATE ROAD 19 FAQs

What would the monthly payment be for 52215 STATE ROAD 19?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,328/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 52215 STATE ROAD 19?+

The most recent tax bill on record (2024) was $346. 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 Altoona?+

At $180,000, this home is listed about 36% below the Altoona median of $283,000. The market section on this page shows how the area is trending.

Which schools are assigned to 52215 STATE ROAD 19?+

Spring Creek Charter School (elementary), Umatilla Middle School (middle), Umatilla High School (high) — Lake County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Under the ALTOONA 32702 market on paper

$180,000 is 17% below the ALTOONA 32702 median of $217,900.

02Time on market is leverage

316 days on market against a Altoona median of 97 — sellers in this position are usually ready to negotiate.

03The price has already moved

Listed at $265,000, now $180,000 — a $85K cut. The full history is in the market section below.

Listing courtesy of MARKET CONNECT REALTY LLC · Jenna Loyd. MLS #O6345068.

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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