
1155 LEMON BLUFF ROAD, OSTEEN, FL, 32764
Active210 days on marketListed Mar 14, 2026MLS #O6387266
About this home
1155 LEMON BLUFF ROAD
DIRECT ST. JOHNS RIVERFRONT. PRIVATE DOCK WITH OVERSIZED DECK. NO HOA. COMPLETELY RENOVATED. Welcome to 1155 Lemon Bluff Road, where everyday life feels like a Florida getaway. Set directly on the St. Johns River, this beautifully reimagined 3-bedroom, 2-bath waterfront home offers the rare combination of move-in-ready interiors, private river access and the freedom of NO HOA. Designed for both everyday living and effortless entertaining, the home underwent a complete transformation — this home was recently "taken down to the studs", redesigned and rebuilt with the quality of new construction offering high-end modern finishes, enhanced by a stunning open-concept interior filled with natural light, chef's kitchen and two spa-like bathrooms. At the heart of the home is a beautifully appointed kitchen showcasing quartz countertops, 42-inch cabinetry, stainless steel appliances and an oversized island with seating for six. The spacious primary suite offers a beautifully updated bath, while the home's thoughtful finishes create a polished, comfortable retreat from the moment you arrive. But the real showstopper is outside. Step into your own private slice of Old Florida with DIRECT ST. JOHNS RIVER FRONTAGE, a 50-foot seawall and private dock/pier ready for days spent boating, bass fishing and enjoying life on the water. Start your mornings overlooking the river, spend the afternoon on the boat and unwind in the screened outdoor living area or around the firepit as the sun goes down or the views of rockets launching from Kennedy Space Center. With no HOA and no front or rear neighbors, this property offers a level of privacy and freedom increasingly difficult to find in Central Florida. A metal roof, and 2023 upgrades include new A/C, all new plumbing and electrical / lighting, whole-house water softener and extensive updates add even more appeal. Whether you're searching for a full-time waterfront residence, a weekend river retreat or simply a place where the boat can be waiting steps from your back door, 1155 Lemon Bluff Road delivers the Florida lifestyle you've been looking for. Just imagine it: coffee by the river in the morning, the boat off the dock by afternoon and sunset from your own backyard at night. This isn't simply a home on the water—it's an opportunity to LIVE WHERE OTHERS VACATION. NEW PRICE: $574,900. Schedule your private showing and experience St. Johns River living for yourself.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,582
Sqft
0.13 ac
Lot size
1971
Year built
One
Levels
$363
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.
$3,934 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$3,934/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+5.2%
$/sqft vs Osteen actives
$363 vs $231
Days on market
210 vs 88 typical
Where $363/sqft sits among the 33 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 32764 — neighborhood snapshot
Population
2,744
Median age
54.9
Median income
$84,242
Median home value
$328,200
Avg household
2.33
Households w/ children
257
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)
18 of 33
Osteen actives have cut their price
Median sold price, Osteen, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 87% above the OSTEEN 32764 median. See the full Osteen market guide →
Paper trail
This home's history
Reality check
What actually sold near 1155 LEMON BLUFF ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$275,000
2380 BASS BOULEVARD
4 bd · 2.5 ba · 1,820 sqft · $151/sqft · 6 DOM
Sold · Dec ’25$375,000
1910 MULLET LAKE PARK ROAD
4 bd · 2 ba · 1,848 sqft · $203/sqft · 95 DOM
Sold · Feb ’26$670,000
600 TABATHA DRIVE
3 bd · 2 ba · 1,857 sqft · $361/sqft · 84 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 1155 LEMON BLUFF ROAD — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1155 LEMON BLUFF ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1155 LEMON BLUFF ROAD FAQs
What would the monthly payment be for 1155 LEMON BLUFF ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,934/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 1155 LEMON BLUFF ROAD?+
The most recent tax bill on record (2025) was $5,474. 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 1155 LEMON BLUFF 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 Osteen?+
At $574,900, this home is listed about 68% above the Osteen median of $342,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1155 LEMON BLUFF ROAD?+
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.
The brief
Four things that matter here
01Positioned at the premium end
$574,900 runs 87% above the OSTEEN 32764 median.
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
210 days on market against a Osteen median of 88 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $624,900, now $574,900 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CURB APPEAL INTERNATIONAL REALTY · Heidi Brito. MLS #O6387266.
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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