CENTURY 21 Edge
$350,000$375,000≈$2,380 /mo all-in ↓

12 HEARTLAND DRIVE, LAKE PLACID, FL, 33852

Active437 days on marketListed Aug 4, 2025MLS #J991661

✦ Reduced $25KHEARTLAND COMM SUB

About this home

12 HEARTLAND DRIVE

VACANT LAND. Cleared vacant lot in a commercial C1 zoned subdivision.

Facts & features

The home at a glance

1.24 ac

Lot size

City & Park/Greenbelt & Water view

Inside

Outside & construction

ViewCity · Park/Greenbelt · Water

Community & fees

Taxes (2024)$54/yr

Utilities & systems

UtilitiesElectricity Available · Sewer Available · Water Available
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$2,380 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,060
FHA mortgage insurance (est.)$155
Property tax — 2024 actual bill$5
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $12,250Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Get my real numbersCall

Run your own numbers

Loan type
Down payment3.5% · $12,250
Interest rate6.00%
Loan term

Estimated payment

$2,380/mo

Principal & interest$2,060
FHA mortgage insurance (est.)$155
Property taxes (actual bill)$5
Est. insurance$160

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.

The numbers that matter

The Lake Placid market

Seller’s marketLeans buyer — 9.3 months of inventoryBuyer’s market

$315K → $440K

Lake Placid median sold, yr/yr

95.2%

Sale-to-list ratio (12 mo)

Median sold price, Lake Placid, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 25% above the Lake Placid median. See the full Lake Placid market guide →

Paper trail

This home's history

CurrentPrice reduced to $350,000 ▼ $25K
Aug 4, 2025Listed at $375,000 · 437 days on market since

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.

Pedro Ribeiro Gloria

Your agent

Pedro Ribeiro Gloria

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 12 HEARTLAND DRIVE — start here.

CallText
pedro.ribeirogloria@c21edge.com
Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 12 HEARTLAND DRIVE — before you fall in love.

Get pre-approvedCall
aacosta@prmg.net

See it in person

Schedule a tour

Live availability from Pedro's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

12 HEARTLAND DRIVE FAQs

What would the monthly payment be for 12 HEARTLAND DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,380/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 12 HEARTLAND DRIVE?+

The most recent tax bill on record (2024) was $54. 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 Lake Placid?+

At $350,000, this home is listed about 25% above the Lake Placid median of $279,450. The market section on this page shows how the area is trending.

The brief

Four things that matter here

01Positioned at the premium end

$350,000 runs 25% above the Lake Placid median.

02City & Park/Greenbelt & Water views

The city and park/greenbelt and water view is part of what you're buying — views hold value independently of the structure.

03Time on market is leverage

437 days on market against a Lake Placid median of 67 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $375,000, now $350,000 — a $25K cut. The full history is in the market section below.

Keep looking

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Listing courtesy of STELLAR NON-MEMBER OFFICE · Non-Member Agent. MLS #J991661.

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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