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List Price

$239,900

2419 Hillsborough, Arcadia, FL 34266

72 days on market↓ $19K from original list price

Estimated Payment

$2,022/mo

$0 down with a USDA loan and current market rates

Bedrooms4 bdBathrooms2 baLiving area1,152 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 2006

Listed by

Alexis LaGreca Morales

MARINA PARK REALTY LLC

Listed by another brokerage. HomeJam connects you directly with the listing side.

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Virtually Staged. Welcome to this beautifully updated 4-bedroom, 2-bathroom home situated on a generously sized lot, offering the perfect combination of modern updates, functional living space, and endless outdoor possibilities. The expansive yard provides ample room for entertaining, gardening, recreation, or storing boats, RVs, and other toys, while the long driveway offers abundant parking. The inviting exterior and well-maintained grounds create wonderful curb appeal from the moment you arrive. Inside, the bright, open-concept living and dining area is designed for both everyday living and effortless entertaining. Luxury vinyl plank flooring flows throughout the home, complemented by soft neutral walls, crisp white baseboards, recessed LED lighting, and multiple windows that fill the space with natural light. The galley-style kitchen is both elegant and practical, featuring crisp white shaker cabinetry, sleek quartz countertops, modern black hardware, and stainless-steel appliances. Abundant cabinet storage and recessed lighting enhance the space, while the seamless flow into the living and dining areas makes gathering with family and friends easy. Just beyond the kitchen, a conveniently located laundry area with washer and dryer hookups adds everyday convenience while remaining neatly tucked away. The primary suite offers a built-in closet and a beautifully designed ensuite bathroom with a sophisticated spa-inspired feel. The walk-in shower showcases large-format marble-look tile, a frameless glass enclosure, and a stylish penny tile shower floor that adds texture and character. A modern vanity with generous storage, a solid-surface countertop, and an undermount sink completes the elegant design. Three additional bedrooms provide comfortable accommodations for family, guests, or a home office, each offering ample closet space and abundant natural light. They share a full bathroom featuring finishes that complement the primary bath, along with an attractive vanity and a convenient tub/shower combination. Step outside and enjoy the oversized backyard, where the possibilities are endless. Whether you envision creating your own outdoor oasis, adding a pool, hosting weekend barbecues, or simply enjoying the extra space, this property offers the flexibility to make it your own. Ideally located on Arcadia's southwest side, this home offers a peaceful residential setting while remaining just minutes from the conveniences of town. Historic Downtown Arcadia is nearby, offering charming antique shops, local boutiques, restaurants, and year-round community events. Grocery stores, schools, medical facilities, and everyday necessities are all within easy reach. Outdoor enthusiasts will appreciate convenient access to the Peace River for boating, fishing, kayaking, and other recreational activities, along with nearby parks and golf courses. Combining updated interiors, generous outdoor space, and a desirable location, this move-in-ready home is an exceptional opportunity to enjoy the best of Florida living.

2419 Hillsborough, Arcadia, FL 34266 in Arcadia, FL 34266 is listed for $239,900. The home has 4 bedrooms, 2 bathrooms, and 1,152 square feet, and was built in 2006. Listed 72 days ago. The price was reduced from $259,000. The listing is held by MARINA PARK REALTY LLC.

34266 Market Report

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$1,052 (tax year 2025)

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 0% down on a USDA Rural Development loan, based on the latest published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

0%

Down payment (0% of price): $0

$

$2,022/moest.

0% down -- about $417 more per month than 20% down conventional.

  • Principal & Interest 82%
  • Property Taxes 4%
  • Insurance 10%
  • USDA Fee 4%
Principal & Interest
$1,663
Property Taxesfrom listing
$88
Insurance
$200
USDA Annual Fee
$71

The USDA annual fee continues for the life of the loan.

Included in your loan amount

USDA Guarantee Fee (financed)
$2,399

30-year fixed at 7.31%, as of September 28, 2026

Assumptions

USDA Rural Development: upfront fee 1.00%, annual mortgage insurance 0.35%; fee schedule effective October 1, 2025.

Mortgage rate: 7.31% for a 30-year fixed loan (Optimal Blue daily, published September 28, 2026). Your actual rate depends on your credit, loan type, and lender.

Down payment: 0% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender. Area eligibility is one requirement; USDA also applies household income limits and requires a primary residence. Your lender determines eligibility.

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Frequently Asked Questions

The estimated monthly payment is $2,022, based on 0% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $1,052 for tax year 2025. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Data courtesy of Stellar MLS as distributed by MLS GRID as of Sep 28, 2026 6:02 AM ET through Sep 29, 2026 6:02 AM ET. MLS# MFR800354781. HomeJam is not the listing broker.

List Price

$239,900

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