12809 4TH ISLE, HUDSON, FL, 34667
Active163 days on marketListed Feb 19, 2026MLS #W7883070
About this home
12809 4TH ISLE
Buyer financing just fell through so this is now your chance to own your own piece of paradise!! Bring your offers and come experience the pinnacle of coastal living in this meticulously updated residence, perfectly situated on a massive lot and a half with an impressive 90ft of saltwater frontage!! Designed for the ultimate boating lifestyle, this home offers seamless access to the Gulf of America with a suite of high-end outdoor amenities. Step inside this luxurious home and absorb the sun-drenched, open concept floor plan that is illuminated by sleek LED lighting throughout. The fully renovated chef's kitchen will delight every cook as they prepare the daily catch! Gorgeous stainless-steel appliances, trendy farmhouse sink and ample counter space for entertaining on this granite masterpiece. Retreat to the spacious bedrooms featuring custom cedar closets for a touch of natural warmth. The spa like bathroom has contemporary finishes and designer tile work that will delight you after a day on the water! Let's not forget the rare 2 car garage that comes with this property that is going to give you ample space for storage and parking! Now step outside into the massive yard finished with designer pavers that lead to your spectacular 2nd kitchen overlooking the water, just waiting for your BBQ days and cold drinks! Built in BBQ, brand new fridge, ample storage space, and all undercover of a wooden gazebo with stunning lights for evening entertainment. Step over to the built-in fire pit just waiting for the s'more nights! If that's not enough come and elevate your outdoor lifestyle with the crown jewel of this costal retreat, your very own luxury swim spa, perfectly positioned on your expansive waterfront to not only overlook the water and it's spectacular sunsets but allows you to gaze up at all the stars every night! This stunning centerpiece is a private wellness center and social hub all in one! This amazing feature will allow you to be in the water day or night any time of the year! Family, friends or just for you, either way you will never get enough of all that you have in this outdoor retreat! Brand new roof with 3rd nail to help with insurance, new AC, so many more things to discover the list is endless so come and check it out for yourself, you won't be disappointed!! This is not just living the salt life dream, this is taking control of it and enjoying all that life hold dear in this amazing setting so close to everything. Restaurants just a golf cart ride away, shopping, medical all within minutes and Tampa international less than an hour away. Who could ask for more? Come and see for yourself, even your fur babies will love the fenced in yard and you will love the peace of mind that comes with it!!
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
1,176
Sqft
0.21 ac
Lot size
2
Garage
1971
Year built
One
Levels
$351
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.
$3,131 /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
$3,131/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
+46.6%
$/sqft vs LEISURE BEACH
$351 vs $280
Days on market
163 vs 42 typical
Where $351/sqft sits among the 21 homes for sale in LEISURE BEACH
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 Hudson
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Hudson. See the full Hudson guide →
HUDSON 34667 — neighborhood snapshot
Population
30,674
Median age
60.3
Median income
$51,106
Median home value
$214,200
Avg household
1.98
Households w/ children
2,095
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Hudson market
$275K → $283K
Hudson median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
8 of 21
LEISURE BEACH have cut their price
Median sold price, Hudson, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 47% above the HUDSON 34667 median. See the full Hudson market guide →
Paper trail
This home's history
Reality check
What actually sold near 12809 4TH ISLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$270,000
12633 3RD ISLE · same community
2 bd · 1.5 ba · 1,157 sqft · $233/sqft · 2 DOM
Sold · Feb ’26$250,000
12637 2ND ISLE · same community
2 bd · 2 ba · 1,219 sqft · $205/sqft · 112 DOM
Sold · Jun ’26$364,950
12605 4TH ISLE · same community
2 bd · 2 ba · 1,281 sqft · $285/sqft · 192 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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 12809 4TH ISLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12809 4TH ISLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12809 4TH ISLE FAQs
What would the monthly payment be for 12809 4TH ISLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,131/mo — principal and interest, the actual property-tax bill, the $4/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 12809 4TH ISLE?+
The association fee works out to $4 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12809 4TH ISLE?+
The most recent tax bill on record (2025) was $4,239. 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 12809 4TH ISLE?+
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 Hudson?+
At $412,900, this home is listed about 25% above the Hudson median of $330,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12809 4TH ISLE?+
Fivay High School (high), Hudson Academy (middle) — Pasco 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
$412,900 runs 47% above the HUDSON 34667 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
163 days on market against a Hudson median of 42 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $417,900, now $412,900 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of WEICHERT REALTORS FL TROPICS · Cindy Andrews. MLS #W7883070.
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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