11860 E CARDINAL PLACE, FLORAL CITY, FL, 34436
Active268 days on marketListed Nov 10, 2025MLS #OM713252
About this home
11860 E CARDINAL PLACE
This cleared and ready-to-build waterfront property is the perfect spot for your dream home or modular home. Tucked away on a quiet cul-de-sac, you’ll enjoy peace, privacy, and the beauty of natural surroundings. Enjoy the best of both worlds with public water, a private well (buyer to verify functionality), and electric already on site. A utility shed is also included—ideal for storing your tools, boating gear, or outdoor equipment. With no deed restrictions or HOA, you have the freedom to create your perfect getaway exactly how you want it. Come experience the charm of Old Florida living—where tranquility, nature, and open skies welcome you home. See Realtor remarks.
Facts & features
The home at a glance
0.17 ac
Lot size
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.
$484 /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
$484/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 Floral City
Get to know Floral City. See the full Floral City guide →
FLORAL CITY 34436 — neighborhood snapshot
Population
8,170
Median age
60.3
Median income
$50,139
Median home value
$201,400
Avg household
2.25
Households w/ children
563
For the school run
Citrus County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Floral City market
$245K → $300K
Floral City median sold, yr/yr
95.7%
Sale-to-list ratio (12 mo)
Median sold price, Floral City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 83% below the FLORAL CITY 34436 median. See the full Floral City market guide →
Paper trail
This home's history
Reality check
What actually sold near 11860 E CARDINAL PLACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$44,500
11776 E CARDINAL PLACE · same community
2 bd · 2 ba · 644 sqft · $69/sqft · 24 DOM
Sold · Jan ’26$188,000
10887 E FLOUNDER DRIVE
2 bd · 1.5 ba · 784 sqft · $240/sqft · 74 DOM
Sold · Sep ’25$245,000
11097 E TROUT COURT
2 bd · 2 ba · 810 sqft · $302/sqft · 119 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 11860 E CARDINAL PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11860 E CARDINAL PLACE — 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
11860 E CARDINAL PLACE FAQs
What would the monthly payment be for 11860 E CARDINAL PLACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $484/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 11860 E CARDINAL PLACE?+
The most recent tax bill on record (2024) was $165. 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 Floral City?+
At $49,000, this home is listed about 82% below the Floral City median of $278,250. The market section on this page shows how the area is trending.
Which schools are assigned to 11860 E CARDINAL PLACE?+
Floral City Elementary School (elementary), Citrus High School (high), Inverness Middle School (middle) — Citrus County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the FLORAL CITY 34436 market on paper
$49,000 is 83% below the FLORAL CITY 34436 median of $295,750.
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
268 days on market against a Floral City median of 64 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $59,000, now $49,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 J.W.MORTON R.E. · Wayne Buhler. MLS #OM713252.
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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