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List Price

$480,000

5019 Milano, Ave Maria, FL 34142

12 days on market

Estimated Payment

$4,531/mo

$0 down with a USDA loan and current market rates

Bedrooms3 bdBathrooms3 baLiving area2,341 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 2015

Listed by

Sharon Levesque

Realty One Group MVP

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

Buy this home your way.

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  • Bring your agent
  • Close in one place

Professional pictures coming soon! Location, Location, Location! A must see! This beautifully enhanced, upgraded Bristol home in the Maple Ridge Community is located just a .5 mile from the center of town and Ave Maria Parish in the HEART OF AVE MARIA, FL. Situated on a quiet street with a backyard lake view! The park-like setting of Rosary pond is also just moments away. The home features a beautifully landscaped yard with great curb appeal and well-maintained yard offering plenty of ROOM FOR A POOL. The front entryway is bright and welcoming. This 3 bedroom, 3 full bath Bristol model boasts an open floor plan with wood floors throughout, a large kitchen, a pantry, granite countertops and complementary tile backsplash, upgraded lighting and fans. The open floor plan in the dining and living room offers plenty of space for enjoying and entertaining family and friends. The large family/great room area features a professionally handcrafted built in entertainment center with electric fireplace for added ambiance. The large Master bedroom with ensuite bathroom is bright with plenty of windows overlooking the lake. The Jack and Jill bedrooms have a full bath between them. The 3rd full bathroom with a step in shower is situated just outside the den area. The home also features high ceilings, ceiling fans, washer and dryer in the laundry room, a double-car garage, and a tranquil backyard. Fully screened and extended lanai with a lovely lake view. The perfect place to relax with a cup of coffee or tea in the morning while watching the birds swim about in the water. In the evening, grill your favorite meals while enjoying the peaceful and relaxing space on your screened lanai in your little piece of paradise in Southwest Florida!

5019 Milano, Ave Maria, FL 34142 in Ave Maria, FL 34142 is listed for $480,000. The home has 3 bedrooms, 3 bathrooms, and 2,341 square feet, and was built in 2015. Listed 12 days ago. The listing is held by Realty One Group MVP.

34142 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$6,429 (tax year 2025)
HOA fee$162 per month

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

$

$4,531/moest.

0% down -- about $826 more per month than 20% down conventional.

  • Principal & Interest 73%
  • Property Taxes 12%
  • Insurance 9%
  • HOA 4%
  • USDA Fee 3%
Principal & Interest
$3,292
Property Taxesfrom listing
$536
Insurance
$400
HOA
$162
USDA Annual Fee
$141

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

Included in your loan amount

USDA Guarantee Fee (financed)
$4,800

30-year fixed at 7.203%, as of October 26, 2026

Assumptions

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

Mortgage rate: 7.203% for a 30-year fixed loan (Optimal Blue daily, published October 26, 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 $4,531, 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 $6,429 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.

Based on information from the Florida Gulf Coast Multiple Listing Service, Inc. for the period Oct 26, 2026 5:59 AM ET through Oct 27, 2026 5:59 AM ET. MLS# 1193304273. HomeJam is not the listing broker.

List Price

$480,000

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