221 SPECKLED PERCH POINT, LORIDA, FL, 33857
Active14 days on marketListed Jul 8, 2026MLS #O6414679
About this home
221 SPECKLED PERCH POINT
Calling all fishermen, fisherwomen and outdoor enthusiasts! This charming 2-bedroom, 2-bathroom home features a versatile bonus room—perfect for a third bedroom or home office—and comes fully furnished with everything you need to start living the lake life today. Situated on 75 feet of prime canal frontage, you have a straight shot out to Lake Istokpoga, a 27,682-acre haven famed for championship bass fishing. The property is fully equipped for anglers, boasting a dedicated shiner building. Additional features include an open-air patio perfect for entertaining, Boathouse and a 15x19 exterior building ideal for a workshop, golf cart, or extra storage, metal roof, new well pump May 2026. Located in Istokpoga Shores, a golf cart-friendly community with no HOA or deed restrictions, there is plenty of room to bring your toys and pets. Come enjoy the peace, serenity, magnificent sunrises and sunsets and abundant wildlife of waterfront living at its finest!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,336
Sqft
0.22 ac
Lot size
1
Garage
1964
Year built
One
Levels
$150
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.
$1,638 /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
$1,638/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 Lorida
Get to know Lorida. See the full Lorida guide →
LORIDA 33857 — neighborhood snapshot
Population
935
Median age
64.5
Median income
$47,083
Median home value
$132,400
Avg household
1.96
Households w/ children
37%
For the school run
Highlands County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lorida market
$160K → $350K
Lorida median sold, yr/yr
87.8%
Sale-to-list ratio (12 mo)
Median sold price, Lorida, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 25% above the LORIDA 33857 median. See the full Lorida market guide →
Paper trail
This home's history
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 221 SPECKLED PERCH POINT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 221 SPECKLED PERCH POINT — 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
221 SPECKLED PERCH POINT FAQs
What would the monthly payment be for 221 SPECKLED PERCH POINT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,638/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 221 SPECKLED PERCH POINT?+
The most recent tax bill on record (2025) was $2,553. 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 Lorida?+
At $199,900, this home is listed about 55% below the Lorida median of $449,000. The market section on this page shows how the area is trending.
Which schools are assigned to 221 SPECKLED PERCH POINT?+
Fred Wild Elementary School (elementary), Sebring High School (high), Sebring Middle School (middle) — Highlands 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
$199,900 runs 25% above the LORIDA 33857 median — but at 1,336 sqft it's also 18% larger than the typical Lorida listing.
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
14 days on market against a Lorida median of 7 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of CLAIRE SCHWARTZ & ASSOCIATES · Claire Schwartz. MLS #O6414679.
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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