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List Price

$440,000

8781 Lakeshore, Floral City, FL 34436

460 days on market↓ $60K from original list price

Estimated Payment

$3,669/mo

$0 down with a USDA loan and current market rates

Bedrooms5 bdBathrooms2 baLiving area1,848 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 1967

Listed by

Amy Stanley

INVESTY REALTY, LLC.

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

Buy this home your way.

Tour it. Make an offer yourself or bring your agent. Sign and close through HomeJam.

  • Tour directly
  • Make your offer
  • Bring your agent
  • Close in one place

WATERFRONT HOMES**2 DETACHED HOMES + LAKEFRONT LIVING + INCOME OPPORTUNITY ON BRADLEY LAKE! THIS RARE PROPERTY FEATURES 2 FULLY RENOVATED SINGLE-FAMILY HOMES ON A SPACIOUS 0.52-ACRE LOT WITH 60 FT OF LAKE FRONTAGE AND 408 FT DEEP LOT*MAIN HOME - THE LAKE HOUSE IS A BEAUTIFULLY UPDATED 2 BED, 1 BATH WITH 1,048 FINISHED SQFT WITH A SUNROOM AND MULTIPLE DECKS OVERLOOKING STUNNING WATER VIEWS AND BREATHTAKING SUNSETS. 2ND HOME - THE GUEST HOUSE IS A 3 BEDROOMS, FULL BATH RESIDENCE WITH 800 FINISHED SQFT PLUS 1-CAR GARAGE AND A BRAND NEW METAL ROOF—PERFECT FOR MULTIGENERATIONAL LIVING, GUESTS, OR INCOME-PRODUCING AIRBNB/VRBO/SHORT TERM RENTAL ALLOWED**EACH BEDROOM HAS A SEPARATE ENTRANCE**THE ATTACHED GARAGE CAN BE USED AS A FLEX SPACE, SUCH AS A RECREATION ROOM, GAME ROOM, OR PRIVATE OFFICE, AND HAS ITS OWN SEPARATE ENTRANCE.

8781 Lakeshore, Floral City, FL 34436 in Floral City, FL 34436 is listed for $440,000. The home has 5 bedrooms, 2 bathrooms, and 1,848 square feet, and was built in 1967. Listed 460 days ago. The price was reduced from $500,000. The listing is held by INVESTY REALTY, LLC..

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$2,469 (tax year 2024)

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 today's published rate.

Illustrative estimate

Loan Program

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

0%

Down payment (0% of price): $0

$

$3,669/moest.

0% down -- about $747 more per month than 20% down conventional.

  • Principal & Interest 81%
  • Property Taxes 6%
  • Insurance 10%
  • USDA Fee 4%
Principal & Interest
$2,966
Property Taxesfrom listing
$206
Insurance
$367
USDA Annual Fee
$130

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

Included in your loan amount

USDA Guarantee Fee (financed)
$4,400

30-year fixed at 7.03%, as of September 24, 2026

Assumptions

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

Mortgage rate: 7.03% for a 30-year fixed loan, published September 24, 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.

Need a mortgage?

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Frequently Asked Questions

The estimated monthly payment is $3,669, 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 $2,469 for tax year 2024. 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 27, 2026 5:58 AM ET through Sep 28, 2026 5:58 AM ET. MLS# MFR762954429. HomeJam is not the listing broker.

List Price

$440,000

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