CENTURY 21 Edge
$649,9002 bd2 ba1,380 sqft$471 /sqft$4,009 /mo all-in ↓

1210 GEM LANE, LAKE HELEN, FL, 32744

Active16 days on marketListed Sep 4, 2026MLS #V4951134

WaterfrontSingle Family ResidenceNA

About this home

1210 GEM LANE

5.4 ACRES | LAKE COLBY FRONTAGE | HORSE STABLES | LARGE WORKSHOP | RV HOOKUP A rare opportunity to own 5.4 private acres with direct Lake Colby frontage in Lake Helen. This unique 2-bedroom, 2-bath property combines waterfront living, equestrian features, workshop space, privacy, and room to enjoy the outdoors in a single remarkable setting. Tucked away at the end of a quiet road, the setting feels peaceful and secluded from the moment you arrive. Bring the horses and take advantage of the existing stables and open land for grazing. A large metal workshop-style building offers ample space for vehicles, equipment, boats, storage, hobbies, and projects. The real centerpiece is Lake Colby. Step outside to fish, kayak, paddle, or simply relax along your own lakefront. Enjoy morning coffee from the front porch overlooking the water, watch wildlife move through the property, and unwind in a setting that is increasingly difficult to find in Central Florida. Inside, the home offers a warm and comfortable retreat with inviting living spaces and a free-standing wood-burning fireplace that adds warmth and character to the home's relaxed country setting. A 30-amp RV hookup with septic connection adds even more flexibility for recreational vehicles or guests. With 5.4 acres, the property also offers room for additional outdoor uses and future possibilities, subject to applicable zoning and permitting. Despite its secluded setting, the property remains convenient to downtown Lake Helen, DeLand, I-4, shopping, dining, and everyday amenities. For buyers searching for acreage, lakefront living, equestrian features, workshop space, privacy, and room to create something truly their own, 1210 Gem Lane offers a combination that is difficult to duplicate. Schedule your private showing and experience the land, the lake, and the possibilities for yourself.

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,380

Sqft

5.4 ac

Lot size

1980

Year built

One

Levels

$471

Per sqft

WaterfrontFireplaceTrees/Woods & Water view

Inside

FlooringCeramic Tile
AppliancesDishwasher · Dryer · Electric Water Heater · Ice Maker · Microwave · Range · Refrigerator · Washer · Water Filtration System
InteriorAttic Ventilator · Ceiling Fan(s)
LaundryElectric Dryer Hookup · Laundry Closet · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
ViewTrees/Woods · Water
FacesNorth
ExteriorLighting · RV Hookup

Community & fees

Taxes (2024)$1,183/yr

Utilities & systems

UtilitiesCable Available · Electricity Available · Electricity Connected · Water Connected
WaterCanal/Lake For Irrigation · Private · Well

The numbers

What it really costs

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

$4,009 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,507
PMI (est., until 20% equity)$244
Property tax — 2024 actual bill$99
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $64,990Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $64,990
Interest rate6.00%
Loan term

Estimated payment

$4,009/mo

Principal & interest$3,507
PMI (est., until 20% equity)$244
Property taxes (actual bill)$99
Est. insurance$160

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.

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.

List $650K
$286KedgeAI estimate $301,855 · range $298K$311K$676K

vs edgeAI estimate

+115.3%

$/sqft vs NA

$471 vs $271

Days on market

16 vs 40 typical

Where $471/sqft sits among the 128 homes for sale in NA

71
33 · this home
12
2
2
8
$110–300$300–490$490–680$680–871$871–1061$1061+

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 Lake Helen

Drive times from this address

Downtown Orlando45 min
Universal Orlando57 min
Orlando Int’l Airport (MCO)63 min
Walt Disney World69 min

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

Get to know Lake Helen. See the full Lake Helen guide →

LAKE HELEN 32744 — neighborhood snapshot

Population

3,716

Median age

43.7

Median income

$95,096

Median home value

$371,100

Avg household

2.9

Households w/ children

364

For the school run

Volusia County School District

ElementaryVolusia Pines Elementary School★★★★★
HighDeland High School★★★★★
MiddleDeland Middle School★★★★★

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

The numbers that matter

The Lake Helen market

Seller’s marketLeans seller3.6 months of inventoryBuyer’s market

$440K$449K

Lake Helen median sold, yr/yr

95.4%

Sale-to-list ratio (12 mo)

59 of 128

NA have cut their price

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

This home is listed 99% above the LAKE HELEN 32744 median. See the full Lake Helen market guide →

Paper trail

This home's history

Sep 4, 2026Listed at $649,900 · 16 days on market since
1980Built · NA

Reality check

What actually sold near 1210 GEM LANE

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

5704 OLD HOMELAND ROADSold · Feb ’26

$825,000

5704 OLD HOMELAND ROAD · same community

3 bd · 2 ba · 1,400 sqft · $589/sqft · 69 DOM

3616 & 3622 NW 178TH TERRACESold · Apr ’26

$535,000

3616 & 3622 NW 178TH TERRACE · same community

3 bd · 2 ba · 1,456 sqft · $367/sqft · 179 DOM

6738 AVENUE DSold · Feb ’26

$657,000

6738 AVENUE D · same community

3 bd · 2 ba · 1,458 sqft · $451/sqft · 16 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.

Frederick Paige

Your agent

Frederick Paige

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 1210 GEM LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1210 GEM LANE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

1210 GEM LANE FAQs

What would the monthly payment be for 1210 GEM LANE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,009/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 1210 GEM LANE?+

The most recent tax bill on record (2024) was $1,183. 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 Lake Helen?+

At $649,900, this home is listed about 9% below the Lake Helen median of $712,450. The market section on this page shows how the area is trending.

Which schools are assigned to 1210 GEM LANE?+

Volusia Pines Elementary School (elementary), Deland High School (high), Deland Middle School (middle) — Volusia County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of MAINSTREET REALTY · Sergio Garcia. MLS #V4951134.

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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