11420 E STEAMBOAT DRIVE, FLORAL CITY, FL, 34436
Active296 days on marketListed Oct 15, 2025MLS #TB8435606
About this home
11420 E STEAMBOAT DRIVE
Build Your Dream Home in Floral City, just minutes from downtown Inverness! Discover the perfect blend of peace, privacy, and convenience on this beautiful 3.31-acre parcel located in the heart of Floral City. Nestled in a quiet, friendly neighborhood, this property offers plenty of mature trees for natural shade and seclusion—creating a serene setting for your future home. Enjoy easy access to I-75, making commuting a breeze, while being just minutes from Liberty Park, shopping, dining, and all that Inverness has to offer. Whether you’re envisioning a cozy retreat or a spacious estate, this property is ready for you to build your dream home and start the next chapter in a truly special location. Don’t miss this opportunity to own a piece of paradise in one of Floral City’s most sought-after areas!
Facts & features
The home at a glance
3.31 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 and the real association fee — not generic estimates.
$1,142 /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
$1,142/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 → $270K
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 51% 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 11420 E STEAMBOAT DRIVE
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
2 bd · 2 ba · 644 sqft · $69/sqft · 24 DOM
Sold · Jan ’26$250,000
7661 S HOLLOW POINT
2 bd · 2 ba · 1,064 sqft · $235/sqft · 4 DOM
Sold · Sep ’25$137,500
11770 E WARMOUTH COURT
2 bd · 2 ba · 1,158 sqft · $119/sqft · 43 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 11420 E STEAMBOAT DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11420 E STEAMBOAT DRIVE — 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
11420 E STEAMBOAT DRIVE FAQs
What would the monthly payment be for 11420 E STEAMBOAT DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,142/mo — principal and interest, the actual property-tax bill, the $8/mo association fee 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.
How much are the HOA fees at 11420 E STEAMBOAT DRIVE?+
The association fee works out to $8 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 11420 E STEAMBOAT DRIVE?+
The most recent tax bill on record (2024) was $680. 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 11420 E STEAMBOAT DRIVE?+
The listing reports pets: Yes. 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 Floral City?+
At $145,000, this home is listed about 51% below the Floral City median of $296,250. The market section on this page shows how the area is trending.
Which schools are assigned to 11420 E STEAMBOAT DRIVE?+
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
Three things that matter here
01Under the FLORAL CITY 34436 market on paper
$145,000 is 51% below the FLORAL CITY 34436 median of $295,750.
02Time on market is leverage
296 days on market against a Floral City median of 66 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $209,000, now $145,000 — a $64K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HOMAN REALTY GROUP INC · Thomas "TJ" Homan, Jr. MLS #TB8435606.
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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