195 RAILROAD AVENUE, OSTEEN, FL, 32764
Active6 days on marketListed Sep 14, 2026MLS #FC321392
About this home
195 RAILROAD AVENUE
AN AMAZING OPPORTUNITY FOR SOMEONE WITH VISION!!! Unleash your imagination with this incredibly unique, historic property situated on a sprawling 0.39-acre double lot in the heart of Osteen. Built in 1901 and brimming with old-world charm, this mixed-use compound (Zoned 01B4) is the ultimate blank canvas for an investor, entrepreneur, or creative owner. The massive, approximately 4,800 sq. ft. 3-story main building features a spectacular, wide-open floorplan on the ground level—providing an incredible footprint for your business or community concepts. Upstairs, you'll find charming loft bedrooms and ample storage space to suit your residential or office needs.The value doesn't stop at the main building! This parcel is a true compound, featuring a complete 2nd house on the property that is perfect for generating immediate rental income, hosting guests, or serving as a caretaker's residence. Multiple storage sheds surround the perimeter, making this a dream setup for housing equipment, excess inventory, or creating dedicated workshop spaces.With its classic frame construction, durable metal roof, and incredible footprint, the possibilities here are truly limitless. Transform this expansive space into a lively dancehall, a community church, a unique general store, a quaint bed & breakfast, or capitalize on individual rental rooms. Only your imagination limits you. Properties with this much square footage, flexibility, and character rarely hit the market. Bring your vision and make this Osteen landmark your very own!
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
3,840
Sqft
0.39 ac
Lot size
1901
Year built
Three Or More
Levels
$74
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.
$2,035 /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
$2,035/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 Osteen actives
$74 vs $233
Days on market
6 vs 90 typical
Where $74/sqft sits among the 36 Osteen 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 Osteen
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Osteen. See the full Osteen guide →
Osteen — neighborhood snapshot
Population
90
Median age
51
Median income
$100,750
Median home value
$418,800
Avg household
2
Households w/ children
8%
For the school run
Volusia County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Osteen market
$291K → $313K
Osteen median sold, yr/yr
95.4%
Sale-to-list ratio (12 mo)
22 of 36
Osteen actives have cut their price
Median sold price, Osteen, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 8% below the OSTEEN 32764 median. See the full Osteen market guide →
Paper trail
This home's history
Reality check
What actually sold near 195 RAILROAD AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$635,000
538 MURRAY STREET · same community
4 bd · 2 ba · 2,236 sqft · $284/sqft · 38 DOM
Sold · Nov ’25$660,000
445 PLEASANT OAKS TRAIL
5 bd · 2.5 ba · 2,695 sqft · $245/sqft · 4 DOM
Sold · Mar ’26$374,000
1000 PEACH CREEK DRIVE
4 bd · 3 ba · 2,211 sqft · $169/sqft · 162 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 195 RAILROAD AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 195 RAILROAD AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
195 RAILROAD AVENUE FAQs
What would the monthly payment be for 195 RAILROAD AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,035/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 195 RAILROAD AVENUE?+
The most recent tax bill on record (2025) was $854. 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 Osteen?+
At $285,000, this home is listed about 10% below the Osteen median of $317,490. The market section on this page shows how the area is trending.
Which schools are assigned to 195 RAILROAD AVENUE?+
Osteen Elementary School (elementary), Pine Ridge High School (high), Heritage Middle School (middle) — Volusia County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of WORTH CLARK REALTY · Richard Hoover. MLS #FC321392.
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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