1381 SE LAKE RD, ARCADIA, FL, 34266
Active148 days on marketListed Feb 26, 2026MLS #C7522577
About this home
1381 SE LAKE RD
Located in a quiet and welcoming 55+ community where you own the land, this well maintained 3-bedroom, 2-bath home also features a versatile bonus room for added flexibility and comfortable living. Enjoy relaxing mornings on the inviting front porch, perfect for coffee or friendly chats with neighbors, before stepping into a warm and welcoming living area. The kitchen offers modern appliances and ample counter space, making meal prep and entertaining easy, while the spacious, light-filled bedrooms provide a peaceful retreat at the end of the day. One of the standout features is the presence of two screened-in porches, giving you plenty of bug-free outdoor space to unwind and enjoy the Florida surroundings. Located in Arcadia’s serene and friendly community, you’ll have convenient access to golf courses, parks, nature trails, as well as nearby shopping, dining, and medical facilities, making this a fantastic opportunity to own in one of the area’s desirable 55+ neighborhoods.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,124
Sqft
0.25 ac
Lot size
1988
Year built
One
Levels
$133
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.
$1,330 /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
$1,330/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.
$/sqft vs Arcadia actives
$133 vs $240
Days on market
148 vs 35 typical
Where $133/sqft sits among the 120 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)
52 of 120
Arcadia actives have cut their price
Median sold price, Arcadia, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 46% below the ARCADIA 34266 median. See the full Arcadia market guide →
Paper trail
This home's history
Reality check
What actually sold near 1381 SE LAKE RD
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$50,000
1298 SE LAKE ROAD · same community
2 bd · 2 ba · 843 sqft · $59/sqft · 349 DOM
Sold · Mar ’26$50,000
2350 SE RACKEWEG STREET · same community
2 bd · 1.5 ba · 728 sqft · $69/sqft · 380 DOM
Sold · Apr ’26$265,000
2279 SE CARLSTROM FIELD ROAD · same community
5 bd · 3 ba · 2,288 sqft · $116/sqft · 3 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1381 SE LAKE RD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1381 SE LAKE RD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
1381 SE LAKE RD FAQs
What would the monthly payment be for 1381 SE LAKE RD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,330/mo — principal and interest, the actual property-tax bill, the $75/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 1381 SE LAKE RD?+
The association fee works out to $75 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1381 SE LAKE RD?+
The most recent tax bill on record (2024) was $1,821. 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 1381 SE LAKE RD?+
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 Arcadia?+
At $149,000, this home is listed about 59% below the Arcadia median of $365,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1381 SE LAKE RD?+
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
$149,000 is 46% below the ARCADIA 34266 median of $274,000, and at $133/sqft it sits under the Arcadia average of $310.
02Time on market is leverage
148 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 $155,000, now $149,000 — a $6K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MARINA PARK REALTY LLC · Chun-Yi Bittner. MLS #C7522577.
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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