1235 MARSH FERN ROAD, MIMS, FL, 32754
Active1 days on marketListed Aug 12, 2026MLS #V4950683
About this home
1235 MARSH FERN ROAD
Escape to your own private retreat on 12.59 acres of beautifully wooded land in the gated Lake Harney Woods subdivision. Scenic pond, abundant wildlife, and room to live, work, and play. This solid poured concrete home offers 3 bedrooms, 3 bathrooms, and a 2-car garage with an open floor plan featuring a spacious family room, dining area, large kitchen, and an oversized Florida room. The primary suite includes a private slider leading to the backyard. Additional features include an inside laundry room, new roof, new air handler, and a new 82' deep well with water softener and chlorinator. Need space for toys or a business? You'll love the impressive 40'x60' detached shop with electricity and 30' barn doors. The property is fully fenced and includes access to the community boat ramp on Lake Harney, a 6,000-acre freshwater lake connected to the St. Johns River, offering endless boating and fishing opportunities. Eligible for USDA 0% down financing.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,620
Sqft
12.59 ac
Lot size
6
Garage
2000
Year built
One
Levels
$267
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 and the real association fee — not generic estimates.
$4,485 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,485/mo
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.
Where it sits
Inside Lake Harney
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Mims. See the full Mims guide →
Lake Harney — neighborhood snapshot
Population
712
Median age
51
Median income
$85,078
Median home value
$347,303
Avg household
3
Households w/ children
38%
For the school run
Seminole County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Mims market
$463K → $938K
Mims median sold, yr/yr
96.2%
Sale-to-list ratio (12 mo)
Median sold price, Mims, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 169% above the MIMS 32754 median. See the full Mims market guide →
Paper trail
This home's history
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
Jasmine Ince
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1235 MARSH FERN ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1235 MARSH FERN ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Jasmine's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1235 MARSH FERN ROAD FAQs
What would the monthly payment be for 1235 MARSH FERN ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,485/mo — principal and interest, the actual property-tax bill, the $80/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 1235 MARSH FERN ROAD?+
The association fee works out to $80 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1235 MARSH FERN ROAD?+
The most recent tax bill on record (2025) was $2,533. 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 1235 MARSH FERN 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 Mims?+
At $699,000, this home is listed about 36% above the Mims median of $512,500. The market section on this page shows how the area is trending.
Which schools are assigned to 1235 MARSH FERN ROAD?+
Geneva Elementary School (elementary), Chiles Middle School (middle), Oviedo High School (high) — Seminole 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
$699,000 runs 169% above the MIMS 32754 median — but at 2,620 sqft it's also 39% larger than the typical Mims listing.
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 Mims market that averages 51 — if it fits, move quickly.
04Strong assigned schools
Geneva Elementary School, Chiles Middle School, Oviedo High School — Geneva Elementary School rates 4 of 5. Always verify assignments with the district.
Listing courtesy of LANDSHARK REALTY · Cody Spaur. MLS #V4950683.
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.
Never miss a listing
New Mims homes, in your inbox
Like 1235 MARSH FERN ROAD but not quite? A daily digest of every new listing in Mims — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Jasmine to ping you on any price or status change →