1289 CR 436, LAKE PANASOFFKEE, FL, 33538
Pending101 days on marketListed Apr 25, 2026MLS #G5111514
About this home
1289 CR 436
WATERFRONT OPPORTUNITY ON CANAL TO LAKE PANASOFFKEE – FULLY FURNISHED & MOVE-IN READY Tucked away on a canal with direct access to Lake Panasoffkee, this 2-bedroom, 1-bath home delivers the Florida lifestyle without the price tag. Whether you're looking for a weekend fishing retreat, winter getaway, or affordable full-time residence, this one checks the boxes. This property offers space, privacy, and no HOA restrictions—bring your boat, trailer, and toys. Inside, the home has been well maintained and thoughtfully updated: Roof replaced in 2012 A/C updated 4 years ago LG refrigerator just 2 years old Upgraded shower (2 years) Water softener installed 1 year ago Interior paint and carpet updated 3 years ago The home comes fully furnished, making this a true turnkey opportunity. Outside, you’ll find a shop for storage or hobbies and a carport for covered parking, with canal access right out back for quick trips onto the lake, known for some of the best fishing in Central Florida. Located in a quiet area of Lake Panasoffkee with easy access to I-75, this is the kind of property that’s getting harder to find at this price point. No HOA. Canal frontage. Furnished. Ready to go.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
1,308
Sqft
0.25 ac
Lot size
1990
Year built
One
Levels
$142
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.
$1,437 /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
$1,437/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
−28.3%
Days on market
101 vs 53 typical
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 Panasoffkee
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lake Panasoffkee. See the full Lake Panasoffkee guide →
LAKE PANASOFFKEE 33538 — neighborhood snapshot
Population
5,748
Median age
47.6
Median income
$48,951
Median home value
$157,200
Avg household
2.13
Households w/ children
692
For the school run
Sumter County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lake Panasoffkee market
$194K → $169K
Lake Panasoffkee median sold, yr/yr
92.4%
Sale-to-list ratio (12 mo)
Median sold price, Lake Panasoffkee, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 9% above the LAKE PANASOFFKEE 33538 median. See the full Lake Panasoffkee 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1289 CR 436 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1289 CR 436 — 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
1289 CR 436 FAQs
What would the monthly payment be for 1289 CR 436?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,437/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 1289 CR 436?+
The most recent tax bill on record (2025) was $1,220. 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 1289 CR 436?+
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 Lake Panasoffkee?+
At $185,700, this home is listed about 2% below the Lake Panasoffkee median of $189,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1289 CR 436?+
Lake Panasoffkee Elementary School (elementary), South Sumter Middle School (middle) — Sumter County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
02Strong assigned schools
Lake Panasoffkee Elementary School, South Sumter Middle School — South Sumter Middle School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $189,900, now $185,700 — a $4K cut. The full history is in the market section below.
Listing courtesy of COOPER HOMEFRONT REALTY · Joe Cooper. MLS #G5111514.
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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