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List Price

$415,000

12933 Pembroke, Lake Suzy, FL 34269

81 days on market↓ $10K from original list price

Estimated Payment

$3,450/mo

$0 down with a USDA loan and current market rates

Bedrooms4 bdBathrooms2 baLiving area2,170 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 2005

Listed by

Tania Suris Hood

MARINA PARK REALTY LLC

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  • Close in one place

PARTIALLY FURNISHED HOME! Welcome to this beautifully maintained 4-bedroom, 2-bathroom home offering 2,170 square feet of comfortable living space in the desirable deed-restricted community of Lake Pembroke. From the moment you arrive, the inviting curb appeal stands out with a spacious 3-car garage, extended driveway, covered front porch, and tropical landscaping featuring mature palms and colorful flowering plants. Situated on a generously sized homesite, this residence enjoys a peaceful setting surrounded by scenic lakes, ponds, and natural habitat. Step inside to discover soaring volume ceilings and a spacious open floor plan designed for comfortable living and entertaining. The home features a combined living and dining area, along with a separate family room offering additional space for gatherings. The well-appointed kitchen is the heart of the home, showcasing abundant oak cabinetry, granite countertops, a stylish tile backsplash, large pantry, and oversized breakfast bar overlooking the main living area. Stainless steel appliances include a cooktop, double wall ovens, built-in microwave, and French-door refrigerator. Recessed lighting and the open design create a bright and welcoming atmosphere. The spacious primary suite offers a private retreat with an elegant tray ceiling, large walk-in closet with custom shelving, and ensuite bathroom featuring dual vanities, a garden tub, and separate walk-in shower. Three additional bedrooms provide plenty of space for family, guests, or a home office, each offering generous closets. The guest bathroom includes dual sinks and a tub/shower combination for added convenience. The functional laundry room includes a washer and dryer, additional storage space, and a dedicated area for household tasks, helping keep daily routines organized and efficient. Sliding glass doors open to a screened lanai where you can relax and enjoy peaceful pond views and beautiful Florida sunsets. The thoughtfully maintained yard features mature landscaping, decorative concrete curbing, and an irrigation system for easy upkeep. This home offers exceptional value with numerous upgrades, including a new A/C system installed in 2025, a shingle roof approximately five years old, public water and sewer, whole-house water filtration system, hurricane rated impact-resistant windows, and a hurricane-rated insulated garage door for added peace of mind. Located outside of a flood zone, this property provides added protection and helps keep ownership costs manageable. There are storm shutters in the garage as an added safety measure.

12933 Pembroke, Lake Suzy, FL 34269 in Lake Suzy, FL 34269 is listed for $415,000. The home has 4 bedrooms, 2 bathrooms, and 2,170 square feet, and was built in 2005. Listed 81 days ago. The price was reduced from $425,000. The listing is held by MARINA PARK REALTY LLC.

34269 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$2,066 (tax year 2025)
HOA fee$13 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 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

$

$3,450/moest.

0% down -- about $704 more per month than 20% down conventional.

  • Principal & Interest 81%
  • Property Taxes 5%
  • Insurance 10%
  • HOA 0%
  • USDA Fee 4%
Principal & Interest
$2,797
Property Taxesfrom listing
$172
Insurance
$346
HOA
$13
USDA Annual Fee
$122

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

Included in your loan amount

USDA Guarantee Fee (financed)
$4,150

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.

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Frequently Asked Questions

The estimated monthly payment is $3,450, 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 $2,066 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 27, 2026 5:58 AM ET through Sep 28, 2026 5:58 AM ET. MLS# MFR799510881. HomeJam is not the listing broker.

List Price

$415,000

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