SE 21ST PLACE ROAD, SILVER SPRINGS, FL, 34488
Active245 days on marketListed Dec 9, 2025MLS #G5104945
About this home
SE 21ST PLACE ROAD
Lot located in the Silver Lakes Acres community, Ocala National Forest along Highway 40 in Silver Springs. There is private access to North Lake which provides great fishing, boating and kayak/canoeing. There is also a small beach for swimming, marina, boat ramp and clubhouse.
Facts & features
The home at a glance
0.35 ac
Lot size
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.
$284 /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
$284/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.
Where it sits
Inside Silver Springs
Get to know Silver Springs. See the full Silver Springs guide →
SILVER SPRINGS 34488 — neighborhood snapshot
Population
11,525
Median age
45.8
Median income
$45,239
Median home value
$75,300
Avg household
2.27
Households w/ children
1,214
For the school run
Marion County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Silver Springs market
$148K → $197K
Silver Springs median sold, yr/yr
94.8%
Sale-to-list ratio (12 mo)
Median sold price, Silver Springs, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 83% below the SILVER SPRINGS 34488 median. See the full Silver Springs market guide →
Paper trail
This home's history
Reality check
What actually sold near SE 21ST PLACE ROAD
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$79,000
1921 SE 169 COURT · same community
3 bd · 2 ba · 1,332 sqft · $59/sqft · 9 DOM
Sold · May ’26$33,000
17461 SE 10TH STREET
2 bd · 1 ba · 480 sqft · $69/sqft · 21 DOM
Sold · Feb ’26$75,000
16905 SE 3RD PLACE
1 bd · 1 ba · 672 sqft · $112/sqft · 103 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about SE 21ST PLACE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for SE 21ST PLACE ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
SE 21ST PLACE ROAD FAQs
What would the monthly payment be for SE 21ST PLACE ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $284/mo — principal and interest, the actual property-tax bill, the $8/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 SE 21ST PLACE ROAD?+
The association fee works out to $8 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on SE 21ST PLACE ROAD?+
The most recent tax bill on record (2025) was $251. 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 SE 21ST PLACE ROAD?+
The listing reports pets: 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 Silver Springs?+
At $15,000, this home is listed about 93% below the Silver Springs median of $215,000. The market section on this page shows how the area is trending.
Which schools are assigned to SE 21ST PLACE ROAD?+
East Marion Elementary School (elementary), Lake Weir High School (high), Fort McCoy School (elementary) — Marion County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the SILVER SPRINGS 34488 market on paper
$15,000 is 83% below the SILVER SPRINGS 34488 median of $89,500.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
245 days on market against a Silver Springs median of 69 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of CARLINO COMMERCIAL GROUP, INC. · Jeffrey Carlino. MLS #G5104945.
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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