2345 CR 453, LAKE PANASOFFKEE, FL, 33538
Active43 days on marketListed Jun 20, 2026MLS #OM726925
About this home
2345 CR 453
Canal Front Opportunity in Tracy's Point with Direct Access to Lake Panasoffkee! Welcome to 2345 CR 453, Lake Panasoffkee ,a one-of-a-kind canal front property on Keepers Canal with direct access to Lake Panasoffkee, perfectly situated for bass boats and pontoons. Set on a double lot totaling 0.41 acres in the Tracy's Point community, this solid block construction home built in 1963 offers incredible potential for the right buyer and it comes furnished. The main home features 1,476 sq ft of living space with an expanded primary bedroom, a second bedroom divided by a partitioned wall, 2 bathrooms, original wood beam ceilings, tile and carpet flooring, and a screened-in porch that is perfect for enjoying the waterfront setting. A carport and utility/storage areas round out the property. A separate 1 bedroom, 1 bathroom mother-in-law suite with a full bath and air conditioning is ideal for guests, extended family, or potential rental income. The suite also includes additional attached storage rooms, providing excellent space for tools, gear, or lake equipment. Three water heaters service the property, plumbing has been recently re-piped, and the AC has been recently updated in the main home. Membrane roofing in place. Located in the flood zone but has never flooded. Tracy's Point offers a private neighborhood boat launch and a remarkably low HOA of just $40/year. Sold as-is. Don't miss this rare chance to own a double waterfront lot on the canal with Lake Panasoffkee access at an exceptional value.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,476
Sqft
0.41 ac
Lot size
1963
Year built
One
Levels
$159
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.
$1,722 /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
$1,722/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 Lake Panasoffkee actives
$159 vs $172
Days on market
43 vs 36 typical
Where $159/sqft sits among the 39 Lake Panasoffkee 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 Panasoffkee
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lake Panasoffkee. See the full Lake Panasoffkee guide →
LAKE PANASOFFKEE 33538 — neighborhood snapshot
Population
5,748
Median age
47.6
Median income
$48,951
Median home value
$157,200
Avg household
2.13
Households w/ children
692
For the school run
Sumter County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lake Panasoffkee market
$215K → $212K
Lake Panasoffkee median sold, yr/yr
92.8%
Sale-to-list ratio (12 mo)
24 of 39
Lake Panasoffkee actives have cut their price
Median sold price, Lake Panasoffkee, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 37% above the LAKE PANASOFFKEE 33538 median. See the full Lake Panasoffkee market guide →
Paper trail
This home's history
Reality check
What actually sold near 2345 CR 453
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$215,000
2047 CR 446
2 bd · 2 ba · 1,463 sqft · $147/sqft · 199 DOM
Sold · Mar ’26$360,000
2164 CR 436E
3 bd · 2 ba · 1,508 sqft · $239/sqft · 127 DOM
Sold · Apr ’26$265,000
1251 CR 436
2 bd · 2 ba · 1,532 sqft · $173/sqft · 207 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 2345 CR 453 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2345 CR 453 — 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
2345 CR 453 FAQs
What would the monthly payment be for 2345 CR 453?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,722/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 2345 CR 453?+
The most recent tax bill on record (2025) was $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 Panasoffkee?+
At $234,900, this home is listed about 24% above the Lake Panasoffkee median of $190,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2345 CR 453?+
Lake Panasoffkee Elementary School (elementary), South Sumter Middle School (middle) — Sumter 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
$234,900 runs 37% above the LAKE PANASOFFKEE 33538 median — but at 1,476 sqft it's also 21% larger than the typical Lake Panasoffkee listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Lake Panasoffkee Elementary School, South Sumter Middle School — South Sumter Middle School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $254,999, now $234,900 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Kelly LaFave. MLS #OM726925.
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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