45901 MICHIGAN ROAD, ALTOONA, FL, 32702
Active57 days on marketListed Aug 20, 2026MLS #G5116735
About this home
45901 MICHIGAN ROAD
Priced as-is to reflect needed updates, with room to build sweat equity or to use as a rental or resale project. This 3-bedroom, 2-bath manufactured home sits on two platted lots (about 0.18 acre) under mature shade trees on a quiet road in Altoona. It has about 1,248 sq ft, a living room with a fireplace, and a primary suite with its own bath and a walk-in closet. Metal roof, central air, well and septic. Flood zone X. No HOA. The Ocala National Forest is just down the road. Alexander Springs is about 5 miles away, and the St. Johns River and Lake George are close by for swimming, paddling, fishing and trails. Umatilla and Eustis are an easy drive for shopping. Cash and conventional financing considered; ask your lender about renovation loans. Buyer to verify all information.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,248
Sqft
0.18 ac
Lot size
1999
Year built
One
Levels
$92
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.
$1,023 /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
$1,023/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.
vs edgeAI estimate
+34.7%
$/sqft vs Altoona actives
$92 vs $315
Days on market
57 vs 24 typical
Where $92/sqft sits among the 9 Altoona 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 Altoona
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Altoona. See the full Altoona guide →
ALTOONA 32702 — neighborhood snapshot
Population
2,732
Median age
56.6
Median income
$51,762
Median home value
$92,700
Avg household
2.17
Households w/ children
211
For the school run
Lake County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Altoona market
$179K → $225K
Altoona median sold, yr/yr
89.4%
Sale-to-list ratio (12 mo)
3 of 9
Altoona actives have cut their price
Median sold price, Altoona, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 31% below the ALTOONA 32702 median. See the full Altoona market guide →
Paper trail
This home's history
Reality check
What actually sold near 45901 MICHIGAN ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$50,000
45819 ILLINOIS ROAD · same community
3 bd · 2 ba · 1,212 sqft · $41/sqft · 136 DOM
Sold · May ’26$138,500
45832 MICHIGAN ROAD · same community
2 bd · 2 ba · 960 sqft · $144/sqft · 0 DOM
Sold · Apr ’26$60,000
20351 GREENWING ROAD
2 bd · 2 ba · 720 sqft · $83/sqft · 48 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
Angela Rodriguez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 45901 MICHIGAN ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 45901 MICHIGAN ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Angela's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
45901 MICHIGAN ROAD FAQs
What would the monthly payment be for 45901 MICHIGAN ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,023/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 45901 MICHIGAN ROAD?+
The most recent tax bill on record (2025) was $1,629. 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 45901 MICHIGAN 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 Altoona?+
At $114,900, this home is listed about 81% below the Altoona median of $594,950. The market section on this page shows how the area is trending.
Which schools are assigned to 45901 MICHIGAN ROAD?+
Spring Creek Charter School (elementary), Umatilla High School (high), Umatilla Middle School (middle) — Lake County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the ALTOONA 32702 market on paper
$114,900 is 31% below the ALTOONA 32702 median of $166,700, and at $92/sqft it sits under the Altoona average of $395.
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
57 days on market against a Altoona median of 24 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $119,900, now $114,900 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RLW REALTY · Logan Wilson. MLS #G5116735.
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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