12480 S FERN POINT, FLORAL CITY, FL, 34436
Active213 days on marketListed Jan 12, 2026MLS #TB8463685
About this home
12480 S FERN POINT
Rare opportunity to own in the established Oak Forest neighborhood. Private setting. No HOA and lot is .99 of an acre. Located between Inverness and Brooksville below Floral City, right off 41. Home is located on a cul-de-sac. Custom built block home offering 3 bedrooms and 2 bathrooms, with a 2 car garage. As you walk up to the home you are greeted by the front wraparound patio that offers scenic views of the neighboring 60 acre horse farm. Entering the home you will notice the custom compass rose marble tile work in the foyer and beautiful Hickory hardwood floors throughout the living areas and bedrooms. Living room has a wood burning fireplace & large, lighted storage closet. Living room and separate dining areas allow for plenty of space for entertaining guests. Dining room has tray ceiling. Kitchen offers island with breakfast bar and dual sinks. Ample cabinet space with slide out shelves on the bottom cabinets. Breakfast nook is perfect for quick meals. The enclosed sun room has large windows to enjoy the country view and is equipped with a mini split AC with heat, installed 2024. For cooler nights warm yourself by the newer potbelly stove while making a hot beverage. Primary bedroom features tray ceiling, walk in closet with John Luis custom wood shelving. Bedroom is oversized and allows access to the garage. Primary bathroom has been updated with new vanity, toilet, shower, jacuzzi tub and flooring. Secondary bedrooms have large, lighted closets and ceiling fans. Hall bathroom has also been updated with new toilet, shower, and flooring. Washer and dryer hookups are in the garage. Water heater is new. AC condenser is two years old. Home has central vac system. Backyard has a park like setting and new paver patio. Location provides easy access to major highways. Seller will help with Buyer closing costs & pay for a one year home warranty with an acceptable offer.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,343
Sqft
0.99 ac
Lot size
2
Garage
1995
Year built
One
Levels
$190
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.
$3,196 /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
$3,196/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 Floral City actives
$190 vs $195
Days on market
213 vs 67 typical
Where $190/sqft sits among the 37 Floral City 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 Floral City
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
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)
23 of 37
Floral City actives have cut their price
Median sold price, Floral City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 48% above the FLORAL CITY 34436 median. See the full Floral City market guide →
Paper trail
This home's history
Reality check
What actually sold near 12480 S FERN POINT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$450,000
12140 S ELM POINT
3 bd · 2 ba · 2,386 sqft · $189/sqft · 108 DOM
Sold · Jul ’26$399,900
16481 OAKVIEW DRIVE
4 bd · 2 ba · 2,280 sqft · $175/sqft · 169 DOM
Sold · Nov ’25$415,000
12950 S OAKVIEW AVENUE
3 bd · 2 ba · 2,160 sqft · $192/sqft · 17 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 12480 S FERN POINT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12480 S FERN POINT — 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
12480 S FERN POINT FAQs
What would the monthly payment be for 12480 S FERN POINT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,196/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 12480 S FERN POINT?+
The most recent tax bill on record (2025) was $2,711. 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 $444,000, this home is listed about 44% above the Floral City median of $307,450. The market section on this page shows how the area is trending.
Which schools are assigned to 12480 S FERN POINT?+
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
01Positioned at the premium end
$444,000 runs 48% above the FLORAL CITY 34436 median — but at 2,343 sqft it's also 39% larger than the typical Floral City listing.
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
213 days on market against a Floral City median of 67 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $459,000, now $444,000 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS SUBURBAN TAMPA · Jennifer Boleyn. MLS #TB8463685.
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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