000 146 TH STREET, ALTOONA, FL, 32702
Active5 days on marketListed Aug 5, 2026MLS #TB8533878
About this home
000 146 TH STREET
This property is on a forest service road and is completely surrounded by national forest. It has a seasonal spring located in a 4-5 acre dry lake bed that sometimes turns into a lake in the rainy season. It is accessed in several different directions by forest service roads. The property is used by all kinds of wildlife because of it’s spring including deer, bear, turkey, fox and more. The lake bed is great for target practice and skeet. There is high ground on the north side of the lake for a cabin, retreat or bug out location. A lot of privacy and quiet for anyone looking to escape from the hectic modern day life.
Facts & features
The home at a glance
38.84 ac
Lot size
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.
$3,158 /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
$3,158/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.
Where it sits
Inside Altoona
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Altoona. See the full Altoona guide →
ALTOONA 32702 — neighborhood snapshot
Population
2,732
Median age
56.6
Median income
$51,762
Median home value
$92,700
Avg household
2.17
Households w/ children
211
For the school run
Lake County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Altoona market
$179K → $225K
Altoona median sold, yr/yr
89.4%
Sale-to-list ratio (12 mo)
Median sold price, Altoona, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 98% above the ALTOONA 32702 median. See the full Altoona market guide →
Paper trail
This home's history
Reality check
What actually sold near 000 146 TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$300,000
29121 SE 152ND PLACE
2 bd · 2 ba · 988 sqft · $304/sqft · 6 DOM
Sold · Mar ’26$229,000
19037 RAVENSWOOD ROAD
2 bd · 1 ba · 1,292 sqft · $177/sqft · 8 DOM
Sold · Jun ’26$225,000
44403 STATE ROAD 19
3 bd · 2 ba · 1,792 sqft · $126/sqft · 37 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 000 146 TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 000 146 TH STREET — 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
000 146 TH STREET FAQs
What would the monthly payment be for 000 146 TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,158/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 000 146 TH STREET?+
The most recent tax bill on record (2025) was $1,800. 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 Altoona?+
At $450,000, this home is listed about 20% below the Altoona median of $565,000. The market section on this page shows how the area is trending.
Which schools are assigned to 000 146 TH STREET?+
Spring Creek Charter School (elementary), Umatilla Middle School (middle), Umatilla High School (high) — Lake County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$450,000 runs 98% above the ALTOONA 32702 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 5 days on market in a Altoona market that averages 11 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of LISTED SIMPLY · Sinan Zakaria. MLS #TB8533878.
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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