CENTURY 21 Edge
$350,0003 bd1 ba1,458 sqft$240 /sqft$2,514 /mo all-in ↓

10112 STATE ROAD 33, GROVELAND, FL, 34736

Active1 days on marketListed Aug 18, 2026MLS #O6431594

Priced 7% below the GROVELAND 34736 medianWaterfrontSingle Family ResidencePINE ISLAND

About this home

10112 STATE ROAD 33

**Welcome Home to Old Florida Waterfront Living on Pine Island Lake** Set on the shores of Pine Island Lake — a peaceful, 420-acre freshwater lake tucked into the rolling countryside just outside Groveland — this one-of-a-kind 3-bedroom, 1-bath home is move-in ready and waiting for its new owners. Old Florida charm meets modern updates in this cozy home, where you can picture yourself watching the sunrise over the water, coffee in hand, through the huge picture windows that flood the open, split floor plan with natural light. The kitchen offers bar seating for casual mornings, plus a dedicated dining area for family meals. The spacious living room is anchored by that gorgeous lake view and offers plenty of room to carve out a home office or reading nook. This home has been thoughtfully and extensively updated, so all the big-ticket items are already done for you: Updated electrical and plumbing Updated kitchen and bathroom New flooring throughout, New windows, Freshly painted interior, 5-zone mini-split system for efficient comfort in every room, Newer appliances, New Hardie board siding, New septic system, New well pump and bladder tank, New water softener. Love to fish? This home sits directly on Pine Island Lake, a quiet, uncharted freshwater lake known for largemouth bass, bream, crappie, and catfish. With 640 feet of private lake frontage, you'll have plenty of room to cast a line right from your own backyard — no crowds, no noise, just you and the water. Enjoy the picturesque yard stretching along the shoreline, and don't miss your chance to own this rare slice of lakefront living in Groveland! Investment opportunity: This property is currently operating as an income-generating Airbnb, making it a fantastic turnkey option for investors or anyone looking to offset their mortgage with short-term rental income from day one.

Facts & features

The home at a glance

3

Bedrooms

1

Bathrooms

1,458

Sqft

2.83 ac

Lot size

1960

Year built

One

Levels

$240

Per sqft

WaterfrontNegotiablePets allowed

Inside

FlooringCeramic Tile · Luxury Vinyl
AppliancesDryer · Range · Refrigerator · Washer · Water Softener
InteriorCeiling Fan(s) · Open Floorplan · Vaulted Ceiling(s) · Window Treatments
LaundryOutside
CoolingMini-Split Unit(s)
HeatingOther
FurnishedNegotiable

Outside & construction

RoofMetal
ConstructionBlock
FoundationSlab
FacesWest
ExteriorPrivate Yard

Community & fees

Taxes (2025)$1,665/yr
PetsCats OK, Dogs OK, Yes

Utilities & systems

UtilitiesElectricity Connected · Water Connected
WaterWell

The numbers

What it really costs

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

$2,514 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,060
FHA mortgage insurance (est.)$155
Property tax — 2025 actual bill$139
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

Run your own numbers

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

Estimated payment

$2,514/mo

Principal & interest$2,060
FHA mortgage insurance (est.)$155
Property taxes (actual bill)$139
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.

Where it sits

Inside Groveland

Map of 10112 STATE ROAD 33

Drive times from this address

Downtown Orlando43 min
Walt Disney World46 min
Universal Orlando46 min
Orlando Int’l Airport (MCO)58 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Groveland. See the full Groveland guide →

GROVELAND 34736 — neighborhood snapshot

Population

26,086

Median age

42

Median income

$82,478

Median home value

$335,300

Avg household

2.76

Households w/ children

2,798

For the school run

Lake County School District

HighSouth Lake High School★★★★★
ElementaryGroveland Elementary School★★★★

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

The numbers that matter

The Groveland market

Seller’s marketLeans seller3.9 months of inventoryBuyer’s market

$378K$378K

Groveland median sold, yr/yr

98.5%

Sale-to-list ratio (12 mo)

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

This home is listed 7% below the GROVELAND 34736 median. See the full Groveland market guide →

Paper trail

This home's history

Aug 18, 2026Listed at $350,000 · 1 days on market since
1960Built · PINE ISLAND

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 10112 STATE ROAD 33 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 10112 STATE ROAD 33 — 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

10112 STATE ROAD 33 FAQs

What would the monthly payment be for 10112 STATE ROAD 33?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,514/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 10112 STATE ROAD 33?+

The most recent tax bill on record (2025) was $1,665. 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 10112 STATE ROAD 33?+

The listing reports pets: Cats OK, Dogs OK, 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 Groveland?+

At $350,000, this home is listed about 12% below the Groveland median of $398,995. The market section on this page shows how the area is trending.

Which schools are assigned to 10112 STATE ROAD 33?+

South Lake High School (high), Groveland Elementary School (elementary) — Lake County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Under the GROVELAND 34736 market on paper

$350,000 is 7% below the GROVELAND 34736 median of $374,900.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Fresh on the market

Only 1 day on market in a Groveland market that averages 39 — if it fits, move quickly.

Listing courtesy of MARKET CONNECT REALTY LLC · Debra Vallier, PA. MLS #O6431594.

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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