1129 LEMON BLUFF ROAD, OSTEEN, FL, 32764
Active139 days on marketListed Mar 7, 2026MLS #O6387264
About this home
1129 LEMON BLUFF ROAD
PRICE REDUCED BELOW APPRAISAL FOR WATERFRONT PROPERTY ON THE LONGEST RIVER IN FLORIDA!!! Welcome to your waterfront home on the St. John’s River, one of Florida’s longest rivers stretching 310 miles! Enjoy waterfront living with privacy and no HOA. Wake up to spectacular sunrise views from your master bedroom window overlooking the water from this 1 oversized bedroom (can be converted into 2 bedroom), 2 full bath home, recently remodeled kitchen and new roof, featuring a private boat dock and boathouse and bonus storage shed. Relax on the covered back patio overlooking the natural surroundings — the ideal spot for evening cocktails or watching NASA & SpaceX rocket launches over the horizon. With no front or rear neighbors, you’ll enjoy rare privacy, nature and uninterrupted views. Located in a peaceful, quiet neighborhood with friendly neighbors, this home offers a laid-back lifestyle while still being within reach of daily conveniences like Publix, Walmart, Sanford, hospitals, and schools. Come see it for yourself! Bring your boat and fishing poles, and start living the Florida waterfront lifestyle today!
Facts & features
The home at a glance
1
Bedrooms
2
Bathrooms
1,250
Sqft
0.09 ac
Lot size
1959
Year built
Two
Levels
$280
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.
$2,449 /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
$2,449/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.
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 Osteen actives
$280 vs $237
Days on market
139 vs 99 typical
Where $280/sqft sits among the 41 Osteen 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 Osteen
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Osteen. See the full Osteen guide →
OSTEEN 32764 — neighborhood snapshot
Population
2,744
Median age
54.9
Median income
$84,242
Median home value
$328,200
Avg household
2.33
Households w/ children
257
For the school run
Volusia County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Osteen market
$319K → $498K
Osteen median sold, yr/yr
94.8%
Sale-to-list ratio (12 mo)
17 of 41
Osteen actives have cut their price
Median sold price, Osteen, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 14% above the OSTEEN 32764 median. See the full Osteen market guide →
Paper trail
This home's history
Reality check
What actually sold near 1129 LEMON BLUFF ROAD
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$565,000
1825 PAMS WAY
1 bd · 1 ba · 1,224 sqft · $462/sqft · 30 DOM
Sold · Aug ’25$226,000
942 LEMON BLUFF ROAD
2 bd · 1 ba · 1,080 sqft · $209/sqft · 32 DOM
Sold · Dec ’25$380,000
1123 LEMON BLUFF ROAD
1 bd · 1 ba · 800 sqft · $475/sqft · 0 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 1129 LEMON BLUFF ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1129 LEMON BLUFF ROAD — 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
1129 LEMON BLUFF ROAD FAQs
What would the monthly payment be for 1129 LEMON BLUFF ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,449/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 1129 LEMON BLUFF ROAD?+
The most recent tax bill on record (2025) was $890. 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 Osteen?+
At $350,000, this home is listed about 1% above the Osteen median of $347,500. The market section on this page shows how the area is trending.
Which schools are assigned to 1129 LEMON BLUFF ROAD?+
Osteen Elementary School (elementary), Pine Ridge High School (high), Heritage Middle School (middle) — Volusia County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$350,000 runs 14% above the OSTEEN 32764 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $425,000, now $350,000 — a $75K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CURB APPEAL INTERNATIONAL REALTY · Heidi Brito. MLS #O6387264.
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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