204 N MONROE AVENUE, ARCADIA, FL, 34266
Active7 days on marketListed Aug 20, 2026MLS #C7529803
About this home
204 N MONROE AVENUE
Historic charm on the outside, beautiful updates waiting for you inside! Located just minutes from Arcadia’s famous historic downtown, this four-bedroom, three-bathroom home has the character you want with many of the interior updates already done. Step inside and you’ll find a remodeled interior with fresh, updated spaces throughout, with most of the renovations completed in or around 2025. The floor plan offers plenty of room to spread out, whether you need extra bedrooms, a home office, guest space, or simply room for everyday life. Outside, the wide front porch feels exactly right for a home like this, while the large yard gives you plenty of room to enjoy the property. There’s also a circle driveway, one-car carport, and an additional building in the backyard that could be used for storage, a workshop, office, playroom, or whatever extra space you’ve been wishing you had. The shingle roof was replaced in 2022, checking another big item off the list. The exterior is ready for some elbow grease, fresh paint, and a good scrub, but that’s where the opportunity comes in. A little exterior love could completely transform this home and let all of that historic character shine again. If you’ve been looking for an older Arcadia home with personality, space, major interior improvements already completed, and a location close to everything we love about downtown, this one deserves a look.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1,724
Sqft
0.24 ac
Lot size
1938
Year built
One
Levels
$110
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.
$1,655 /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
$1,655/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 Arcadia actives
$110 vs $242
Days on market
7 vs 42 typical
Where $110/sqft sits among the 115 Arcadia 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 Arcadia
Get to know Arcadia. See the full Arcadia guide →
ARCADIA 34266 — neighborhood snapshot
Population
29,065
Median age
39.7
Median income
$47,414
Median home value
$144,600
Avg household
2.55
Households w/ children
3,349
For the school run
DeSoto County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Arcadia market
$260K → $260K
Arcadia median sold, yr/yr
94.1%
Sale-to-list ratio (12 mo)
48 of 115
Arcadia actives have cut their price
Median sold price, Arcadia, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 28% below the ARCADIA 34266 median. See the full Arcadia market guide →
Paper trail
This home's history
Reality check
What actually sold near 204 N MONROE AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$270,000
1797 SE HARGRAVE STREET
3 bd · 2 ba · 1,783 sqft · $151/sqft · 42 DOM
Sold · May ’26$292,000
125 RIDGEWOOD DRIVE
4 bd · 3.5 ba · 1,632 sqft · $179/sqft · 155 DOM
Sold · Aug ’26$177,500
214 W WHIDDEN STREET
4 bd · 2 ba · 1,848 sqft · $96/sqft · 49 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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 204 N MONROE AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 204 N MONROE AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
204 N MONROE AVENUE FAQs
What would the monthly payment be for 204 N MONROE AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,655/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 204 N MONROE AVENUE?+
The most recent tax bill on record (2025) was $3,515. 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 Arcadia?+
At $190,000, this home is listed about 48% below the Arcadia median of $365,000. The market section on this page shows how the area is trending.
Which schools are assigned to 204 N MONROE AVENUE?+
Memorial Elementary School (elementary) — DeSoto County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the ARCADIA 34266 market on paper
$190,000 is 28% below the ARCADIA 34266 median of $265,000, and at $110/sqft it sits under the Arcadia average of $310.
02City views
The city view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 7 days on market in a Arcadia market that averages 42 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Brandi Long. MLS #C7529803.
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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