CENTURY 21 Edge
$389,9003 bd2 ba1,975 sqft$197 /sqft≈$2,689 /mo all-in ↓

45 S PINE STREET, FELLSMERE, FL, 32948

Active71 days on marketListed Aug 3, 2026MLS #OM729662

Single Family ResidenceTOWN OF FELLSMERE

About this home

45 S PINE STREET

3 beds. 2 baths. Open concept. Laundry area. Large office space. 30x32 garage under cover. Ample parking. Storm shutters large back deck and a front balcony All new electrical in 2024. New plumbing 2024. New heat and air 2024. New gutters 2025 New roof. 2025 Certainteed limited lifetime shingles with transferable warranty on roof and ac system. Add your finishing touches. Priced to sale. New septic 2020. Also. All new duct work 2024. Rough in plumbing in place in garage for lower bathroom. All has been permitted and passed inspection

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,975

Sqft

0.29 ac

Lot size

2

Garage

2003

Year built

Two

Levels

$197

Per sqft

Pets allowed

Inside

FlooringCarpet · Linoleum · Vinyl
AppliancesDishwasher · Microwave · Range · Refrigerator
InteriorSplit Bedroom · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionStucco
FoundationSlab
FacesWest
ExteriorBalcony

Community & fees

Taxes (2024)$729/yr
PetsYes

Utilities & systems

UtilitiesElectricity Connected · Water Connected
WaterPublic

The numbers

What it really costs

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

$2,689 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,295
FHA mortgage insurance (est.)$172
Property tax — 2024 actual bill$61
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $13,647Loan30-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

Get my real numbersCall

Run your own numbers

Loan type
Down payment3.5% · $13,647
Interest rate6.00%
Loan term

Estimated payment

$2,689/mo

Principal & interest$2,295
FHA mortgage insurance (est.)$172
Property taxes (actual bill)$61
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.

The numbers that matter

The Fellsmere market

Seller’s marketSeller’s market — 2.0 months of inventoryBuyer’s market

$600K → $905K

Fellsmere median sold, yr/yr

96.7%

Sale-to-list ratio (12 mo)

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

Paper trail

This home's history

Aug 3, 2026Listed at $389,900 · 71 days on market since
2003Built · TOWN OF FELLSMERE

Reality check

What actually sold near 45 S PINE STREET

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

88 N OAK STREETSold · Dec ’25

$299,990

88 N OAK STREET · same community

3 bd · 2 ba · 1,263 sqft · $238/sqft · 34 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.

Donna Layton

Your agent

Donna Layton

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 45 S PINE STREET — start here.

CallText
donna.layton@c21edge.com
Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 45 S PINE STREET — before you fall in love.

Get pre-approvedCall
aacosta@prmg.net

See it in person

Schedule a tour

Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

45 S PINE STREET FAQs

What would the monthly payment be for 45 S PINE STREET?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,689/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 45 S PINE STREET?+

The most recent tax bill on record (2024) was $729. 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 45 S PINE STREET?+

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 Fellsmere?+

At $389,900, this home is priced right at the Fellsmere median.

Listing courtesy of RE/MAX CROWN REALTY · John E. King. MLS #OM729662.

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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45 S PINE STREET, FELLSMERE, FL — 3 Bed, 2 Bath — $389,900 | CENTURY 21 Edge