LOT 49 UNIT O&P, DEFUNIAK SPRINGS, FL, 32433
Active1302 days on marketListed Jan 18, 2023MLS #U8186139
About this home
LOT 49 UNIT O&P
Private, peaceful and full of hardwood trees. over 4 acres in beautiful subdivision with a lake! Common area includes boat launch, gazebo, restrooms and is gated and private for homeowners only. Lake is perfect for fishing or kayak.
Facts & features
The home at a glance
4.31 ac
Lot size
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 and the real association fee — not generic estimates.
$960 /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
$960/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.
The investor lens
Two ways this home pays
This home sits inside Spring Lake, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
Rental comps for this area are thin right now — ask us for a hand-pulled rent analysis alongside the short-term projection.
Where it sits
Inside Spring Lake
Spring Lake is a short-term-rental community. See the full guide →
DEFUNIAK SPRINGS 32433 — neighborhood snapshot
Population
18,970
Median age
38.2
Median income
$51,604
Median home value
$152,000
Avg household
2.57
Households w/ children
2,413
For the school run
Walton County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The DEFUNIAK SPRINGS 32433 market
This home is listed 47% above the DEFUNIAK SPRINGS 32433 median.
Paper trail
This home's history
Reality check
What actually sold near LOT 49 UNIT O&P
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$200,000
4445 SPRING LAKE COURT · same community
2 bd · 1 ba · 1,025 sqft · $195/sqft · 29 DOM
Sold · Jun ’26$264,000
5325 DEVRIES DRIVE · same community
3 bd · 2 ba · 1,310 sqft · $202/sqft · 33 DOM
Sold · Sep ’25$260,000
5247 SEAFOAM DRIVE · same community
3 bd · 2 ba · 1,354 sqft · $192/sqft · 2 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
Yumiko Sugawara
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about LOT 49 UNIT O&P — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for LOT 49 UNIT O&P — before you fall in love.
See it in person
Schedule a tour
Live availability from Yumiko's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
LOT 49 UNIT O&P FAQs
What would the monthly payment be for LOT 49 UNIT O&P?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $960/mo — principal and interest, the actual property-tax bill, the $17/mo association fee 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.
How much are the HOA fees at LOT 49 UNIT O&P?+
The association fee works out to $17 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on LOT 49 UNIT O&P?+
The most recent tax bill on record (2022) was $363. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can LOT 49 UNIT O&P be rented short-term?+
Yes — this home sits inside Spring Lake, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at LOT 49 UNIT O&P?+
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 DEFUNIAK SPRINGS 32433?+
At $119,000, this home is listed about 47% above the DEFUNIAK SPRINGS 32433 median of $81,000. The market section on this page shows how the area is trending.
Which schools are assigned to LOT 49 UNIT O&P?+
Walton Middle School (middle), West Defuniak Elementary School (elementary), Walton High School (high), Maude Saunders Elementary School (elementary), Freeport Senior High School (high), Freeport Elementary School (elementary), Freeport Middle School (middle), Mossy Head School (elementary), South Walton High School (high), Emerald Coast Middle School (middle), Dune Lakes Elementary School (elementary), Van R. Butler Elementary School (elementary), Paxton School () — Walton County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$119,000 runs 47% above the DEFUNIAK SPRINGS 32433 median.
02Zoned for nightly rentals
Spring Lake is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Strong assigned schools
Walton Middle School, West Defuniak Elementary School, Walton High School, Maude Saunders Elementary School, Freeport Senior High School, Freeport Elementary School, Freeport Middle School, Mossy Head School, South Walton High School, Emerald Coast Middle School, Dune Lakes Elementary School, Van R. Butler Elementary School, Paxton School — Walton Middle School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Irina Cortez. MLS #U8186139.
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.