3896 PICCIOLA ROAD UNIT 534, FRUITLAND PARK, FL, 34731
Active27 days on marketListed Jul 15, 2026MLS #W7887675
About this home
3896 PICCIOLA ROAD UNIT 534
This furnished 2-bedroom, 1.5-bath home offers 860 square feet of easy Florida living with something you can’t fit inside the house: your own covered boat slip with a powered lift and direct access to Lake Griffin. For just $45 a month, your boat gets its own covered parking spot too. Inside, you’ll find an open living and dining area, a cozy kitchen and an updated bathroom with a remodeled shower. The home comes furnished and has a TV antenna that picks up approximately 70+ stations. Outside, there’s covered parking, a screened porch, a metal storage shed and a small concrete block storage building for all the fishing gear, tools and miscellaneous stuff you swear you’ll need someday. The home also features an insulated metal roof overlay with 1.5 inches of closed-cell spray foam for added insulation. The $181 monthly HOA fee includes water, sewer and trash, plus access to community amenities including a heated pool, clubhouse, dog park, library, shuffleboard and bocce ball courts. Whether your ideal day involves fishing Lake Griffin, cruising the water, lounging by the pool or getting unexpectedly competitive over shuffleboard, this home puts it all within reach. Bring the boat and start enjoying the Florida lifestyle!
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
860
Sqft
0.01 ac
Lot size
1963
Year built
One
Levels
$130
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.
$1,146 /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
$1,146/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 Fruitland Park actives
$130 vs $190
Days on market
27 vs 37 typical
Where $130/sqft sits among the 72 Fruitland Park 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 Fruitland Park
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Fruitland Park. See the full Fruitland Park guide →
FRUITLAND PARK 34731 — neighborhood snapshot
Population
12,239
Median age
48.7
Median income
$63,329
Median home value
$185,900
Avg household
2.4
Households w/ children
978
For the school run
Lake County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Fruitland Park market
$345K → $277K
Fruitland Park median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
30 of 72
Fruitland Park actives have cut their price
Median sold price, Fruitland Park, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 63% below the FRUITLAND PARK 34731 median. See the full Fruitland Park market guide →
Paper trail
This home's history
Reality check
What actually sold near 3896 PICCIOLA ROAD UNIT 534
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$95,000
3896 PICCIOLA ROAD UNIT 223 · same community
2 bd · 1 ba · 792 sqft · $120/sqft · 46 DOM
Sold · Feb ’26$159,000
3896 PICCIOLA ROAD UNIT 233 · same community
2 bd · 2 ba · 1,134 sqft · $140/sqft · 0 DOM
Sold · Dec ’25$168,000
3896 PICCIOLA ROAD UNIT 242 · same community
3 bd · 2 ba · 1,344 sqft · $125/sqft · 65 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 3896 PICCIOLA ROAD UNIT 534 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3896 PICCIOLA ROAD UNIT 534 — 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
3896 PICCIOLA ROAD UNIT 534 FAQs
What would the monthly payment be for 3896 PICCIOLA ROAD UNIT 534?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,146/mo — principal and interest, the actual property-tax bill, the $181/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 3896 PICCIOLA ROAD UNIT 534?+
The association fee works out to $181 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3896 PICCIOLA ROAD UNIT 534?+
The most recent tax bill on record (2025) was $1,149. 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 3896 PICCIOLA ROAD UNIT 534?+
The listing reports pets: Number Limit. 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 Fruitland Park?+
At $112,000, this home is listed about 67% below the Fruitland Park median of $344,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3896 PICCIOLA ROAD UNIT 534?+
Fruitland Park Elementary School (elementary), Carver Middle School (middle), Leesburg High School (high) — Lake County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY - ELITE PARTNERS II · Katie Spires, PA. MLS #W7887675.
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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