12800 5TH ISLE, HUDSON, FL, 34667
Active49 days on marketListed Jun 5, 2026MLS #W7886302
About this home
12800 5TH ISLE
DIRECT GULF ACCESS WATERFRONT HOME — OWNER FINANCING AVAILABLE WITH 20% DOWN! (no insurance required) Beautifully restored with all post-flood repairs completed and permitted, this waterfront home offers the Florida boating lifestyle buyers seek. Featuring 2 bedrooms, a bonus room/office, 1 full bath, 1 half bath, refinished terrazzo floors, abundant natural light, and a waterfront Florida room overlooking the canal. Major improvements include a 2024 roof, newer electrical panel, and newer AC. The kitchen features stone countertops, wood cabinetry, and decorative tile backsplash. Outside, you'll find approximately 60 feet of concrete seawall, a large waterfront patio for entertaining, and a 40-foot floating dock. With direct Gulf access you'll enjoy fishing, boating, island hopping, and waterfront dining. Spectacular sunrises can be enjoyed from your backyard, while nearby conservation lands provide a beautiful backdrop for the Gulf Coast sunsets Hudson is known for. Leisure Beach offers a laid-back coastal lifestyle with no HOA and no CDD fees. Residents enjoy community events throughout the year, including chili cook-offs, holiday celebrations, boat parades, and neighborhood gatherings. Conveniently located along Florida's Gulf Coast, you'll be just minutes from marinas, waterfront restaurants, tiki bars, fishing, boating, golf, and Hudson Beach, a waterfront gathering spot known for sunsets, dining, and Gulf views. Whether you're looking for a full-time residence, seasonal retreat, or waterfront investment opportunity, this property offers direct Gulf access, a beautifully restored home, and owner financing with only 20% down. Call today to schedule your private showing and learn more about the owner financing options available on this waterfront property.
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
1,192
Sqft
0.14 ac
Lot size
1
Garage
1971
Year built
One
Levels
$306
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.
$2,921 /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
$2,921/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
+11.6%
Days on market
49 vs 42 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 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)
Median sold price, Hudson, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 28% above the HUDSON 34667 median. See the full Hudson 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 12800 5TH ISLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12800 5TH ISLE — 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
12800 5TH ISLE FAQs
What would the monthly payment be for 12800 5TH ISLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,921/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 12800 5TH ISLE?+
The most recent tax bill on record (2025) was $5,415. 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 Hudson?+
At $365,000, this home is listed about 11% above the Hudson median of $330,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12800 5TH ISLE?+
Fivay High School (high), Hudson Academy (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of BHHS FLORIDA PROPERTIES GROUP · Debra A Kennedy. MLS #W7886302.
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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