12480 S Fern Pt, photo 1
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Overview

3 bd2 ba2,343 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built1995
Lot43,070 sqft
Living area2,343 sqft
Price / sqft$190
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)Walk-in Closet(s)Private MailboxDishwasherMicrowaveRangeRefrigerator

12480 S Fern Pt is a 1995-built home in Oak Forest Area, Floral City. Inside you'll find 3 bedrooms, 2 bathrooms, and 2,343 square feet of living space. Listed at $444,000 (about $190/sqft), 271 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Concrete block home with concrete wood look siding on the front. New granite countertops, sink and dishwasher! Rare opportunity to own in the established Oak Forest neighborhood. Private setting. No HOA and lot is .99 of an acre. Located between Inverness and Brooksville below Floral City, right off 41. Home is located on a cul-de-sac. Custom built block home offering 3 bedrooms and 2 bathrooms, with a 2 car garage. As you walk up to the home you are greeted by the front wraparound patio that offers scenic views of the neighboring 60 acre horse farm. Entering the home you will notice the custom compass rose marble tile work in the foyer and beautiful Hickory hardwood floors throughout the living areas and bedrooms. Living room has a wood burning fireplace & large, lighted storage closet. Living room and separate dining areas allow for plenty of space for entertaining guests. Dining room has tray ceiling. Kitchen offers island with breakfast bar and new sink. Ample cabinet space with slide out shelves on the bottom cabinets. Breakfast nook is perfect for quick meals. The enclosed sun room has large windows to enjoy the country view and is equipped with a mini split AC with heat, installed 2024. For cooler nights warm yourself by the newer potbelly stove while making a hot beverage. Primary bedroom features tray ceiling, walk in closet with John Luis custom wood shelving. Bedroom is oversized and allows access to the garage. Primary bathroom has been updated with new vanity, toilet, shower, jacuzzi tub and flooring. Secondary bedrooms have large, lighted closets and ceiling fans. Hall bathroom has also been updated with new toilet, shower, and flooring. Washer and dryer hookups are in the garage. Water heater is new. AC condenser is two years old. Home has central vac system. Backyard has a park like setting and new paver patio. Location provides easy access to major highways. Seller will pay for a one year home warranty with an acceptable offer.

The essentials

Built
1995
Price / sqft
$190
On market
271 days
Annual tax
$2,711
Flood zone
X · Low risk
Lot
43,070 sqft
Type
Single Family Residence

At a glance

Single family
Built 1995
2 car garage
Garage Door Opener
0.99 acres
Lot size
2,343 sqft
Living area

Payment

Est. monthly payment
$2,764/mo
Down payment (20%)
$88,800
Property taxes
$226/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1995
Lot
43,070 sqft
Cooling
Central Air, Mini-Split Unit(s)
Heating
Central
Parking
Garage Door Opener
Days on Market
271
Ceiling Fans(s)
Walk-in Closet(s)
Private Mailbox
Dishwasher
Microwave
Range
Refrigerator
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$2,711
Parcel #
20E21S04 2A0K0 0080

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Oak Forest Area
County
Citrus
MLS Area
34436 - Floral City
Lot Size
43,070 sqft
Cul-De-Sac

Price history

Date
Event
Price
7/22/2026
Price change
Source: Stellar MLS #TB8463685
$444,000-0.9%
$190/sqft
-
Price change
Source: Stellar MLS #TB8463685
$448,000-2.4%
$191/sqft
1/12/2026
Listed for sale
Source: Stellar MLS #TB8463685
$459,000
$196/sqft

Neighborhood

12480 S Fern Pt
Floral City, FL, 34436 · 34436 - Floral City

Market insights

Offer Insights

Choose an offer strength

List price: $444,000
$432,500 – $444,000
97.3% – 100% of listTops out right at the list price
80% of listList price
15 of the last 29 home closings in 34436 landed at this number or higher (52%). The median one sat 50 days before it went under contract, and this one is on day 271 after a $15,000 cut.

Sample: 29 closed home sales in 34436 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,764/mo
Principal & interest$2,316
Property taxes$226
Insurance$222
Down payment20% · $88,800
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$444,000

$190 per sq ft

Beds and baths

3 beds, 2 baths

Size

2,343 sq ft

Time on market

271 days

Year built

1995

Monthly payment

About $2,764/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,711 annual tax bill, insurance.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

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Brokered byKELLER WILLIAMS SUBURBAN TAMPAListing agent: Jennifer BoleynListing data from Stellar MLS, MLS# TB8463685.

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