3456 ELM STREET, ZOLFO SPRINGS, FL, 33890
Active172 days on marketListed May 19, 2026MLS #L4962027
About this home
3456 ELM STREET
Enjoy Small-Town Living with Peace River Recreation Just Minutes Away! This inviting concrete block home in Zolfo Springs offers a convenient location and comfortable living. Just half a mile from Pioneer Park, you’ll enjoy easy access to the Peace River for canoeing, kayaking, fossil hunting, and outdoor adventures, along with picnic areas, a playground, wildlife refuge, and camping. Wauchula is only 4 miles away, and the charming town of Arcadia is approximately 20 miles away. Inside, the home features a primary bedroom with an en-suite bath and walk-in shower, two additional bedrooms, and a guest bath with a tub/shower combination. The open floor plan connects the living room, dining area, and kitchen, creating a welcoming space for everyday living. A spacious utility room provides extra workspace and convenient access to the carport. Mature oak trees provide shade and add to the property’s charm. A new roof was installed in January 2026, making this home an appealing opportunity for anyone seeking comfort, convenience, and nearby outdoor recreation!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,450
Sqft
0.34 ac
Lot size
2008
Year built
One
Levels
$172
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.
$2,318 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$2,318/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
−15.7%
$/sqft vs Zolfo Springs actives
$172 vs $173
Days on market
172 vs 23 typical
Where $172/sqft sits among the 6 Zolfo Springs 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 Zolfo Springs
Get to know Zolfo Springs. See the full Zolfo Springs guide →
ZOLFO SPRINGS 33890 — neighborhood snapshot
Population
4,991
Median age
34.9
Median income
$70,179
Median home value
$140,700
Avg household
3.25
Households w/ children
683
The numbers that matter
The Zolfo Springs market
$550K → $930K
Zolfo Springs median sold, yr/yr
96.5%
Sale-to-list ratio (12 mo)
2 of 6
Zolfo Springs actives have cut their price
Median sold price, Zolfo Springs, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 3456 ELM STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$205,000
904 TERRIER DRIVE
3 bd · 1 ba · 1,536 sqft · $133/sqft · 305 DOM
Sold · Oct ’26$257,000
3056 MAGNOLIA STREET
3 bd · 2 ba · 1,200 sqft · $214/sqft · 11 DOM
Sold · Oct ’26$70,000
3404 ACORN DRIVE
2 bd · 2 ba · 924 sqft · $76/sqft · 0 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
Leila Sabat
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3456 ELM STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3456 ELM STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Leila's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3456 ELM STREET FAQs
What would the monthly payment be for 3456 ELM STREET?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,318/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 3456 ELM STREET?+
The most recent tax bill on record (2025) was $4,013. 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 Zolfo Springs?+
At $249,500, this home is listed about 8% below the Zolfo Springs median of $272,250. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of ASHBROOK REALTY LLC · Sandy Larrison. MLS #L4962027.
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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