146 N HERNANDO AVENUE, ARCADIA, FL, 34266
Active166 days on marketListed Feb 5, 2026MLS #A4680924
About this home
146 N HERNANDO AVENUE
Welcome to 146 N Hernando Ave, Arcadia, FL—a charming 2-bedroom, 1-bath home tucked right in Arcadia’s Historic District. This property features a fenced backyard for pets, play, or entertaining, plus a carport for convenient covered parking. Inside, you’ll find classic character and warmth, with some updates already completed while still leaving room for you to add your own style. Upstairs, there’s additional square footage that’s ready to be finished, offering the perfect opportunity for a bonus room, office, guest space, or hobby area. If you’re looking for a home with historic charm, potential, and a great in-town location, this is your chance to bring the finishing touches and truly make it your own. Did I mention the seller is offering private financing? Call for more details.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
912
Sqft
0.17 ac
Lot size
1940
Year built
One
Levels
$208
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 — not generic estimates.
$1,539 /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
$1,539/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
+87.2%
$/sqft vs Arcadia actives
$208 vs $240
Days on market
166 vs 35 typical
Where $208/sqft sits among the 119 Arcadia actives
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 Arcadia
Get to know Arcadia. See the full Arcadia guide →
ARCADIA 34266 — neighborhood snapshot
Population
29,065
Median age
39.7
Median income
$47,414
Median home value
$144,600
Avg household
2.55
Households w/ children
3,349
For the school run
DeSoto County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Arcadia market
$280K → $260K
Arcadia median sold, yr/yr
94.4%
Sale-to-list ratio (12 mo)
49 of 119
Arcadia actives have cut their price
Median sold price, Arcadia, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 30% below the ARCADIA 34266 median. See the full Arcadia market guide →
Paper trail
This home's history
Reality check
What actually sold near 146 N HERNANDO AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$130,000
1554 SE WHISPERING PINE DRIVE
2 bd · 1 ba · 924 sqft · $141/sqft · 0 DOM
Sold · Sep ’25$205,000
62 EL VERANO AVE
3 bd · 1 ba · 962 sqft · $213/sqft · 3 DOM
Sold · Aug ’25$255,000
1961 SE HARGRAVE STREET
2 bd · 1 ba · 972 sqft · $262/sqft · 11 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 146 N HERNANDO AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 146 N HERNANDO AVENUE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
146 N HERNANDO AVENUE FAQs
What would the monthly payment be for 146 N HERNANDO AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,539/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 146 N HERNANDO AVENUE?+
The most recent tax bill on record (2025) was $2,122. 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 Arcadia?+
At $189,900, this home is listed about 48% below the Arcadia median of $365,000. The market section on this page shows how the area is trending.
Which schools are assigned to 146 N HERNANDO AVENUE?+
West Elementary School (elementary) — DeSoto County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the ARCADIA 34266 market on paper
$189,900 is 30% below the ARCADIA 34266 median of $272,000, and at $208/sqft it sits under the Arcadia average of $310.
02Time on market is leverage
166 days on market against a Arcadia median of 35 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $199,900, now $189,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RMZ REALTY INC. · Oralia Ramirez. MLS #A4680924.
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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