CENTURY 21 Edge
$574,900$624,9003 bd2 ba1,582 sqft$363 /sqft≈$3,934 /mo all-in ↓

1155 LEMON BLUFF ROAD, OSTEEN, FL, 32764

Active210 days on marketListed Mar 14, 2026MLS #O6387266

✦ Reduced $50KWaterfrontSingle Family ResidenceLEMON BLUFF 2ND ADD

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

WaterfrontGarden & Water viewNegotiablePets allowed

Inside

FlooringMarble · Porcelain Tile · Slate · Vinyl
AppliancesDishwasher · Disposal · Dryer · Exhaust Fan · Ice Maker · Microwave · Range · Range Hood · Refrigerator · Washer · Water Softener
InteriorBuilt-in Features · Ceiling Fan(s) · Open Floorplan · Primary Bedroom Main Floor
LaundryInside · Laundry Closet
CoolingCentral Air
HeatingCentral
FurnishedNegotiable

Outside & construction

RoofMetal
ConstructionBlock
FoundationBlock
ViewGarden · Water
FacesNorth
ParkingBoat · Guest
ExteriorGarden · Lighting · Private Mailbox · Sliding Doors

Community & fees

Taxes (2025)$5,474/yr
PetsYes

Utilities & systems

UtilitiesCable Available · Electricity Available · Water Available
WaterWell · Well Required

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%

Principal & interest$3,102
PMI (est., until 20% equity)$216
Property tax — 2025 actual bill$456
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $57,490Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $57,490
Interest rate6.00%
Loan term

Estimated payment

$3,934/mo

Principal & interest$3,102
PMI (est., until 20% equity)$216
Property taxes (actual bill)$456
Est. insurance$160

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.

List $575K
$472KedgeAI estimate $546,619 · range $492K–$587K$610K

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

8
11
8
2 · this home
2
2
$89–163$163–238$238–312$312–387$387–461$461+

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

Downtown Orlando≈ 56 min
Orlando Int’l Airport (MCO)≈ 65 min
Universal Orlando≈ 69 min

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

ElementaryOsteen Elementary School★★★★★
HighPine Ridge High School★★★★★
MiddleHeritage Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Osteen market

Seller’s marketBalanced — 6.8 months of inventoryBuyer’s 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

CurrentPrice reduced to $574,900 ▼ $50K
Mar 14, 2026Listed at $624,900 · 210 days on market since
1971Built · LEMON BLUFF 2ND ADD

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.

2380 BASS BOULEVARDSold · Feb ’26

$275,000

2380 BASS BOULEVARD

4 bd · 2.5 ba · 1,820 sqft · $151/sqft · 6 DOM

1910 MULLET LAKE PARK ROADSold · Dec ’25

$375,000

1910 MULLET LAKE PARK ROAD

4 bd · 2 ba · 1,848 sqft · $203/sqft · 95 DOM

600 TABATHA DRIVESold · 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.

Zack Zonker

Your agent

Zack Zonker

President Tampa Division · CENTURY 21 Edge

Tours, negotiation, and every question about 1155 LEMON BLUFF ROAD — start here.

Andrew Acosta

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.

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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