David Ramirez
$225,000$279,000$1,741 /mo all-in ↓

804 SHELL HARBOR ROAD, PIERSON, FL, 32180

Active215 days on marketListed Dec 19, 2025MLS #R4910423

Priced 67% below the PIERSON 32180 medianReduced $54KLAKE GEORGE PINES UNREC PH 01-03

About this home

804 SHELL HARBOR ROAD

10-acres with 2 large buildings, a well, and a nice little pond!!! This property sits back off of a paved road, a short distance from the Shell Harbor boat ramp to Lake George and it abutts St. John's management land, providing a great oppurtinity for a homestead, hunting camp, or enjoying nature. Wildlife surrounds this beautiful property! Easy access to boating, fishing and the outdoor lifestyle the area is known for. Whether you're looking to build now or hold for the future, this is a rare opportunity to own 10 acres at a great price!!

Facts & features

The home at a glance

10.01 ac

Lot size

Trees/Woods view

Inside

Outside & construction

ViewTrees/Woods

Community & fees

Taxes (2024)$1,877/yr

Utilities & systems

UtilitiesCable Available · Electrical Nearby · Private
WaterWell

The numbers

What it really costs

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

$1,741 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,325
FHA mortgage insurance (est.)$100
Property tax — 2024 actual bill$156
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $7,875Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $7,875
Interest rate6.00%
Loan term

Estimated payment

$1,741/mo

Principal & interest$1,325
FHA mortgage insurance (est.)$100
Property taxes (actual bill)$156
Est. insurance$160

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 Lake George Pines

Map of 804 SHELL HARBOR ROAD inside its neighborhood boundary

Get to know Pierson. See the full Pierson guide →

Lake George Pines — neighborhood snapshot

Population

137

Median age

54

Median income

$70,987

Median home value

$240,900

Avg household

3

Households w/ children

11%

For the school run

Volusia County School District

ElementaryPierson Elementary School★★★★★

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

The numbers that matter

The Pierson market

Seller’s marketLeans buyer17.0 months of inventoryBuyer’s market

$680K$310K

Pierson median sold, yr/yr

95.9%

Sale-to-list ratio (12 mo)

Median sold price, Pierson, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 67% below the PIERSON 32180 median. See the full Pierson market guide →

Paper trail

This home's history

CurrentPrice reduced to $225,000 $54K
Dec 19, 2025Listed at $279,000 · 215 days on market since

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 804 SHELL HARBOR 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 804 SHELL HARBOR 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

804 SHELL HARBOR ROAD FAQs

What would the monthly payment be for 804 SHELL HARBOR ROAD?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,741/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 804 SHELL HARBOR ROAD?+

The most recent tax bill on record (2024) was $1,877. 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 Pierson?+

At $225,000, this home is listed about 61% below the Pierson median of $569,900. The market section on this page shows how the area is trending.

Which schools are assigned to 804 SHELL HARBOR ROAD?+

Pierson Elementary School (elementary) — Volusia County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Under the PIERSON 32180 market on paper

$225,000 is 67% below the PIERSON 32180 median of $675,000.

02Trees/Woods views

The trees/woods view is part of what you're buying — views hold value independently of the structure.

03Time on market is leverage

215 days on market against a Pierson median of 54 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $279,000, now $225,000 — a $54K cut. The full history is in the market section below.

Listing courtesy of RIVER REALTY GROUP · AnnMari Daley. MLS #R4910423.

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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