12728 SE 102ND TERRACE, BELLEVIEW, FL, 34420
Active60 days on marketListed Aug 13, 2026MLS #OM729568
About this home
12728 SE 102ND TERRACE
Brand-new 2026 construction, move-in ready, and a USDA-eligible location: qualified buyers may be able to buy with 0% down (ask your lender about USDA income limits and current rates). Seller offering 1% ($2,384) toward buyer's closing costs with an acceptable offer. This 3 bed / 2 bath home has 1,302 sq ft of heated living space (1,668 sq ft total) on a 0.20-acre lot (75 x 114) with NO HOA and NO CDD, with room to park your RV or boat (subject to county rules). Open, light-filled split-bedroom plan with vaulted and tray ceilings, crown molding, solid wood cabinets, granite counters, stainless appliances, and luxury vinyl plank flooring. The primary suite has a walk-in closet and walk-in shower. Hardie-type cement siding, 1-car attached garage, private well and septic, Flood Zone X. Close to shopping, dining and major roads in Belleview, with easy access to US-441 and CR-25. Nothing to wait on and nothing to upgrade: this one is ready now. Schedule your private showing today. Se habla español: casa nueva 2026, lista para mudarse, en ubicación elegible para préstamo USDA con 0% de pago inicial (aplican límites de ingreso; consulte a su prestamista). El vendedor ofrece 1% ($2,384) para gastos de cierre.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,302
Sqft
0.2 ac
Lot size
1
Garage
2026
Year built
One
Levels
$183
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.
$1,685 /mo · 3.5% down FHA, 30-yr fixed at 6%
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
$1,685/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.
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
−0.9%
$/sqft vs Belleview actives
$183 vs $180
Days on market
60 vs 69 typical
Where $183/sqft sits among the 142 Belleview 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 Belleview
Get to know Belleview. See the full Belleview guide →
BELLEVIEW 34420 — neighborhood snapshot
Population
19,167
Median age
43
Median income
$52,551
Median home value
$192,600
Avg household
2.59
Households w/ children
2,199
For the school run
Marion County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Belleview market
$257K → $268K
Belleview median sold, yr/yr
97.6%
Sale-to-list ratio (12 mo)
74 of 142
Belleview actives have cut their price
Median sold price, Belleview, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 12728 SE 102ND TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$215,000
13875 SE 97TH AVENUE
2 bd · 2 ba · 1,296 sqft · $166/sqft · 24 DOM
Sold · Apr ’26$237,000
13194 SE 93RD TERRACE ROAD
2 bd · 2 ba · 1,283 sqft · $185/sqft · 119 DOM
Sold · Sep ’26$224,000
13383 SE 102ND COURT
3 bd · 2 ba · 1,261 sqft · $178/sqft · 4 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 12728 SE 102ND TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12728 SE 102ND TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12728 SE 102ND TERRACE FAQs
What would the monthly payment be for 12728 SE 102ND TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,685/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 12728 SE 102ND TERRACE?+
The most recent tax bill on record (2025) was $194. 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 Belleview?+
At $238,399, this home is listed about 16% below the Belleview median of $283,900. The market section on this page shows how the area is trending.
Which schools are assigned to 12728 SE 102ND TERRACE?+
Lake Weir Middle School (middle), Harbour View Elementary School (elementary), Lake Weir High School (high) — Marion County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Rosa Maria Maldonado. MLS #OM729568.
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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