415 3RD STREET W, ZOLFO SPRINGS, FL, 33890
Active59 days on marketListed Jun 8, 2026MLS #P4938972
About this home
415 3RD STREET W
Opportunity awaits in Zolfo Springs! Priced at just $250,000, this 3-bedroom, 2-bath home offers a versatile bonus room that could easily serve as a 4th bedroom, home office, playroom, or flex space. Situated on a spacious 0.339-acre lot, the property features a fully fenced backyard with plenty of room for pets, play, or outdoor entertaining. Major updates have already been completed, including a new metal roof in 2025 and an AC unit replaced in 2023. The interior has been partially refreshed with fresh paint, providing a great starting point for the next owner to make it their own. With 1,898 square feet under roof, this home offers tremendous potential for a starter home, investors, or anyone looking for a property with solid bones and room to add value. A little TLC and finishing touches will go a long way in transforming this property into something special. Don't miss your chance to own an affordable home with great potential and major recent upgrades in the heart of Zolfo Springs!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,698
Sqft
0.34 ac
Lot size
1988
Year built
One
Levels
$135
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.
$1,881 /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
$1,881/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 Zolfo Springs
Get to know Zolfo Springs. See the full Zolfo Springs guide →
ZOLFO SPRINGS 33890 — neighborhood snapshot
Population
4,991
Median age
34.9
Median income
$70,179
Median home value
$140,700
Avg household
3.25
Households w/ children
683
The numbers that matter
The Zolfo Springs market
$221K → $318K
Zolfo Springs median sold, yr/yr
95.0%
Sale-to-list ratio (12 mo)
Median sold price, Zolfo Springs, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 415 3RD STREET W
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$205,000
904 TERRIER DRIVE
3 bd · 1 ba · 1,536 sqft · $133/sqft · 305 DOM
Sold · Jun ’26$285,000
127 5TH STREET W
3 bd · 2 ba · 1,980 sqft · $144/sqft · 22 DOM
Sold · Sep ’25$550,000
479 STATE ROAD 64 E
3 bd · 2 ba · 2,290 sqft · $240/sqft · 86 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 415 3RD STREET W — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 415 3RD STREET W — 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
415 3RD STREET W FAQs
What would the monthly payment be for 415 3RD STREET W?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,881/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 415 3RD STREET W?+
The most recent tax bill on record (2025) was $3,190. 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 415 3RD STREET W?+
The listing reports pets: Cats OK, Dogs OK. 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 Zolfo Springs?+
At $229,900, this home is listed about 8% below the Zolfo Springs median of $250,000. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
02Time on market is leverage
59 days on market against a Zolfo Springs median of 1 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $230,000, now $229,900 — a $100 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SOUTHERN CHARM REALTY & INVESTMENTS LLC · Chelsey Bast. MLS #P4938972.
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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