186 S BEAR POINTE DRIVE, LAKE PLACID, FL, 33852
Active164 days on marketListed Feb 16, 2026MLS #O6383032
About this home
186 S BEAR POINTE DRIVE
Virtually Staged. Welcome to your private country retreat in Lake Placid a rare opportunity to own 5 fully fenced, agricultural-zoned acres in the gated community of South Bear Pointe near beautiful Lake Placid. This exceptional property perfectly blends modern comfort with true homestead living. The thoughtfully designed residence offers spacious living with an open-concept layout that flows seamlessly from the main living area to the dining space and kitchen, creating the ideal setting for both everyday living and entertaining. Natural light fills the home, enhancing its warm and inviting atmosphere. With generous bedrooms, well-appointed baths, a dedicated office, and a 2-car garage, there’s room for everyone to live, work, and grow comfortably. Step outside and experience everything this property has to offer. A massive 66x30 steel barn (2022) provides incredible flexibility for a workshop, equipment storage, business use, or recreational vehicles. There’s also a detached metal pole building, chicken coop, animal barn with stalls, and fenced pasture—ready for horses, livestock, or your expanding agricultural vision. Enjoy fresh fruit right from your own land with starfruit, plantain, grape, and fig trees already producing. The newly screened-in back patio (2024) offers the perfect place to relax or entertain, while two welcoming front porches add timeless charm. A 4-inch well and upgraded water filtration system (2024) support self-sufficient living, and the 2017 roof provides added peace of mind. If you’ve been searching for space, functionality, and the freedom of country living without sacrificing comfort, this one truly checks every box.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,665
Sqft
5 ac
Lot size
2
Garage
2007
Year built
One
Levels
$319
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.
$5,640 /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
$5,640/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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Lake Placid actives
$319 vs $195
Days on market
164 vs 73 typical
Where $319/sqft sits among the 62 Lake Placid actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Lake Placid
Get to know Lake Placid. See the full Lake Placid guide →
LAKE PLACID 33852 — neighborhood snapshot
Population
21,630
Median age
54.8
Median income
$54,841
Median home value
$205,800
Avg household
2.16
Households w/ children
1,979
For the school run
Highlands County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lake Placid market
$315K → $335K
Lake Placid median sold, yr/yr
94.8%
Sale-to-list ratio (12 mo)
24 of 62
Lake Placid actives have cut their price
Median sold price, Lake Placid, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 5213% above the LAKE PLACID 33852 median. See the full Lake Placid market guide →
Paper trail
This home's history
Reality check
What actually sold near 186 S BEAR POINTE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$207,000
153 GOLFPOINT DRIVE
2 bd · 2 ba · 1,725 sqft · $120/sqft · 31 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 186 S BEAR POINTE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 186 S BEAR POINTE DRIVE — 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
186 S BEAR POINTE DRIVE FAQs
What would the monthly payment be for 186 S BEAR POINTE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,640/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 186 S BEAR POINTE DRIVE?+
The most recent tax bill on record (2025) was $6,901. 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 Lake Placid?+
At $850,000, this home is listed about 205% above the Lake Placid median of $279,000. The market section on this page shows how the area is trending.
Which schools are assigned to 186 S BEAR POINTE DRIVE?+
Lake Placid Middle School (middle), Lake Placid High School (high), Lake Placid Elementary School (elementary) — Highlands 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
$850,000 runs 5213% above the LAKE PLACID 33852 median — but at 2,665 sqft it's also nearly twice the size of the typical Lake Placid listing.
02Time on market is leverage
164 days on market against a Lake Placid median of 73 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Lake Placid Middle School, Lake Placid High School, Lake Placid Elementary School — Lake Placid Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $875,000, now $850,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of 15 PROPERTIES · Brandon Boyes. MLS #O6383032.
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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