David Ramirez
$599,000$624,9003 bd2 ba1,582 sqft$379 /sqft$4,073 /mo all-in ↓

1155 LEMON BLUFF ROAD, OSTEEN, FL, 32764

Active133 days on marketListed Mar 14, 2026MLS #O6387266

Reduced $26KWaterfrontSingle Family ResidenceLEMON BLUFF 2ND ADD

About this home

1155 LEMON BLUFF ROAD

Welcome to your dream home in the sought-after waterfront community on Lemon Bluff Road! Introducing 1155 Lemon Bluff Road, a beautiful waterfront residence of 50' of seawall on the St. Johns River featuring 3 bedrooms, 2 bathrooms, dock space to park multiple boats, and an oversized PRIVATE SCREENED PATIO perfect for enjoying the best of Florida living. Step inside to an open floor plan which has been completely reimagined in 2023 with luxury finishes and designer detail throughout, creating a warm yet elegant feel. The stunning chef’s kitchen serves as the centerpiece of the home, showcasing an OVERSIZED quartz island with seating for 6, custom 42" shaker cabinetry, brushed gold hardware, stainless steel appliances, and a stylish herringbone backsplash. The open-concept layout flows seamlessly into the dining and living areas, making it an inviting place to cook, gather, and start the day, all accented by wide-plank flooring and abundant natural light. The spacious primary suite offers a spa-inspired retreat-like bathroom with dual vanities, an oversized walk-in shower featuring a rainfall shower head, and a private toilet with bidet. The secondary bath continues the elevated aesthetic with slate tile and a calming, spa-like ambiance. NO FRONT OR REAR NEIGHBORS offers added privacy on your private dock and pier with beautiful solar lightning, plenty of space to relax or jump on your boat and have direct access to the St. Johns River for boating, bass fishing, and waterfront recreation. A fire pit area adds to the outdoor lifestyle appeal. Additional highlights include all new central A/C, a whole-home water softener system, and the confidence of a complete 2023 renovation — delivering both style and peace of mind. Turn-key riverfront properties with this level of finish and design are VERY rare. Whether as a primary residence or weekend escape or an investment property, this residence offers modern luxury in a serene natural setting. Experience the best of waterfront living at 1155 Lemon Bluff Road - where elegance, comfort, convenience, and the Florida lifestyle come together! Schedule your private showing today.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,582

Sqft

0.13 ac

Lot size

1971

Year built

One

Levels

$379

Per sqft

WaterfrontGarden & Water viewNegotiablePets allowed

Inside

FlooringMarble · Porcelain Tile · Slate · Vinyl
AppliancesDishwasher · Disposal · Dryer · Exhaust Fan · Ice Maker · Microwave · Range · Range Hood · Refrigerator · Washer · Water Softener
InteriorBuilt-in Features · Ceiling Fan(s) · Open Floorplan · Primary Bedroom Main Floor
LaundryInside · Laundry Closet
CoolingCentral Air
HeatingCentral
FurnishedNegotiable

Outside & construction

RoofMetal
ConstructionBlock
FoundationBlock
ViewGarden · Water
FacesNorth
ParkingBoat · Guest
ExteriorGarden · Lighting · Private Mailbox · Sliding Doors

Community & fees

Taxes (2025)$5,474/yr
PetsYes

Utilities & systems

UtilitiesCable Available · Electricity Available · Water Available
WaterWell · Well Required

The numbers

What it really costs

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

$4,073 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,232
PMI (est., until 20% equity)$225
Property tax — 2025 actual bill$456
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $59,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $59,900
Interest rate6.00%
Loan term

Estimated payment

$4,073/mo

Principal & interest$3,232
PMI (est., until 20% equity)$225
Property taxes (actual bill)$456
Est. insurance$160

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.

List $599K
$295KedgeAI estimate $367,065 · range $307K$439K$623K

vs edgeAI estimate

+63.2%

$/sqft vs Osteen actives

$379 vs $237

Days on market

133 vs 99 typical

Where $379/sqft sits among the 41 Osteen actives

8
7
10
6
3
7 · this home
$106–159$159–212$212–264$264–317$317–370$370+

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

Map of 1155 LEMON BLUFF ROAD

Drive times from this address

Downtown Orlando56 min
Orlando Int’l Airport (MCO)65 min
Universal Orlando69 min

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

ElementaryOsteen Elementary School★★★★★
HighPine Ridge High School★★★★★
MiddleHeritage Middle School★★★★★

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

The numbers that matter

The Osteen market

Seller’s marketBalanced6.6 months of inventoryBuyer’s 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 95% above the OSTEEN 32764 median. See the full Osteen market guide →

Paper trail

This home's history

CurrentPrice reduced to $599,000 $26K
Mar 14, 2026Listed at $624,900 · 133 days on market since
1971Built · LEMON BLUFF 2ND ADD

Reality check

What actually sold near 1155 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.

2380 BASS BOULEVARDSold · Feb ’26

$275,000

2380 BASS BOULEVARD

4 bd · 2.5 ba · 1,820 sqft · $151/sqft · 6 DOM

1910 MULLET LAKE PARK ROADSold · Dec ’25

$375,000

1910 MULLET LAKE PARK ROAD

4 bd · 2 ba · 1,848 sqft · $203/sqft · 95 DOM

600 TABATHA DRIVESold · Feb ’26

$670,000

600 TABATHA DRIVE

3 bd · 2 ba · 1,857 sqft · $361/sqft · 84 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 1155 LEMON BLUFF ROAD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1155 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.

Goes straight to David’s phone and CRM.

Straight answers

1155 LEMON BLUFF ROAD FAQs

What would the monthly payment be for 1155 LEMON BLUFF ROAD?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,073/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 1155 LEMON BLUFF ROAD?+

The most recent tax bill on record (2025) was $5,474. 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 1155 LEMON BLUFF ROAD?+

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 Osteen?+

At $599,000, this home is listed about 72% above the Osteen median of $347,500. The market section on this page shows how the area is trending.

Which schools are assigned to 1155 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

$599,000 runs 95% 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 $624,900, now $599,000 — a $26K cut. The full history is in the market section below.

Listing courtesy of CURB APPEAL INTERNATIONAL REALTY · Heidi Brito. MLS #O6387266.

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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