5432 N PECOS TERRACE, BEVERLY HILLS, FL, 34465
Active81 days on marketListed May 18, 2026MLS #TB8509692
About this home
5432 N PECOS TERRACE
Hurricane-resistant construction meets luxury living in this extraordinary 6-bedroom, 4-bath courtyard estate located in the highly sought-after Pine Ridge Estates. Expertly engineered for exceptional strength and peace of mind, this one-of-a-kind home features steel-reinforced concrete walls rated to withstand winds up to 235 MPH, Miami-Dade certified hurricane impact windows, accordion shutters protecting all 13 French doors, a new W-8 rated double garage door, and a brand-new 2025 roof with a secondary water barrier. These superior storm-hardening features qualify the home for maximum homeowners insurance discounts, making it as cost-efficient as it is resilient. Beyond its unmatched durability, the home offers a thoughtfully designed multi-generational floor plan with spacious and flexible living areas, including a formal living room, formal dining room, breakfast nook, bonus room, and a private in-law suite. Wide doorways throughout provide handicap accessibility, ensuring comfort and convenience for every stage of life. The gourmet kitchen is a chef's dream, featuring expansive L-shaped countertops, a large center island, double refrigerator and freezer setup, convection microwave oven, dishwasher, and abundant cabinet storage. Additional upgrades include an 18 SEER Trane A/C system, high-efficiency appliances, and dual-flush toilets for energy-conscious living. The property is further enhanced by an impressive Belgrad retaining wall system with a dramatic 9-foot-wide staircase leading to the garden below, beautifully accented by ornamental planters atop the columns. Conveniently located with quick access to the Suncoast Parkway, Tampa International Airport, and Florida's stunning Gulf Coast beaches, this remarkable estate seamlessly combines hurricane resilience, energy efficiency, accessibility, and timeless luxury.
Facts & features
The home at a glance
6
Bedrooms
4
Bathrooms
3,121
Sqft
1.3 ac
Lot size
2
Garage
2007
Year built
One
Levels
$176
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 and the real association fee — not generic estimates.
$4,025 /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
$4,025/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 PINE RIDGE UNIT 01
$176 vs $232
Days on market
81 vs 36 typical
Where $176/sqft sits among the 10 homes for sale in PINE RIDGE UNIT 01
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 Beverly Hills
Get to know Beverly Hills. See the full Beverly Hills guide →
BEVERLY HILLS 34465 — neighborhood snapshot
Population
18,514
Median age
57.7
Median income
$55,513
Median home value
$233,000
Avg household
2.16
Households w/ children
1,201
For the school run
Citrus County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Beverly Hills market
$224K → $337K
Beverly Hills median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
7 of 10
PINE RIDGE UNIT 01 have cut their price
Median sold price, Beverly Hills, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 104% above the BEVERLY HILLS 34465 median. See the full Beverly Hills market guide →
Paper trail
This home's history
Reality check
What actually sold near 5432 N PECOS TERRACE
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$562,900
4923 W PHOENIX DRIVE · same community
4 bd · 3 ba · 3,130 sqft · $180/sqft · 68 DOM
Sold · Dec ’25$493,500
5219 N EL PASO TERRACE · same community
4 bd · 3 ba · 3,000 sqft · $165/sqft · 8 DOM
Sold · Oct ’25$787,000
5332 W COMSTOCK PLACE · same community
4 bd · 3 ba · 2,960 sqft · $266/sqft · 173 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 5432 N PECOS TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5432 N PECOS TERRACE — 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
5432 N PECOS TERRACE FAQs
What would the monthly payment be for 5432 N PECOS TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,025/mo — principal and interest, the actual property-tax bill, the $10/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 5432 N PECOS TERRACE?+
The association fee works out to $10 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5432 N PECOS TERRACE?+
The most recent tax bill on record (2025) was $4,482. 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 5432 N PECOS TERRACE?+
The listing reports pets: Breed Restrictions, 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 Beverly Hills?+
At $550,000, this home is listed about 84% above the Beverly Hills median of $299,400. The market section on this page shows how the area is trending.
Which schools are assigned to 5432 N PECOS TERRACE?+
Citrus Springs Middle School (middle), Central Ridge Elementary School (elementary), Lecanto High School (high) — 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
$550,000 runs 104% above the BEVERLY HILLS 34465 median — but at 3,121 sqft it's also nearly twice the size of the typical Beverly Hills 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
81 days on market against a Beverly Hills median of 36 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $575,000, now $550,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MARK SPAIN REAL ESTATE · Patrick Massey. MLS #TB8509692.
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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