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1799 Lake Cir, Fort Pierce, FL 34945 is a 3 bedroom, 2 bathroom single family home with approximately 1, 635 square feet on about 0. 53 acres, giving buyers one of the most important combinations in this segment: a solid house footprint and a huge lot with real usable space. Built in 1963, this concrete home sits on slab foundation and stands out for buyers who understand the long term value of land, layout, and flexibility. In a market where many homes sit on tighter lots with less room to work with, this property gives a future owner more space for parking, outdoor living, storage, pets, equipment, or simply the breathing room that comes with a larger homesite. That lot size is a major part of the appeal and helps this property stand apart from many comparable homes in Fort Pierce and the surrounding Saint Lucie County area. The home itself has a practical floor plan with 3 bedrooms and 2 bathrooms, making it a strong option for full time living, a rental hold, or a buyer looking for a Fort Pierce property they can improve over time while already benefiting from the lot and overall setup. The square footage is manageable but still useful, giving enough room for daily living without taking on unnecessary excess. The layout works for buyers who want a primary residence with outdoor space, a Florida investment property with upside, or a home where they can create value through planned improvements rather than paying top dollar for recent cosmetic work. This is the kind of property that can appeal to buyers looking for a home with good bones, a larger lot, and a setup that allows them to make changes on their own timeline. The property is served by septic and city water, has no HOA, and is not in a flood zone, all of which are features many Florida buyers actively search for when they want fewer restrictions and more control over how they use their property. The metal roof is reported to be older, around 20 years, with no leaks noted. There is no AC currently in place, and the home does need repairs, with noted concerns including possible floor issues, plumbing issues, and foundation cracking. Even with those factors, the value story here is still clear. The combination of concrete construction, lot size, bedroom count, and lack of HOA gives a buyer something more difficult to recreate later than paint colors or surface finishes. Those are the kinds of core features that often matter most when someone is buying with a long term view. For buyers searching online for a Fort Pierce home with a huge lot, a 3 bedroom 2 bathroom home on over half an acre, a single family home with septic and city water, a Florida fixer upper with land, or a Saint Lucie County property with renovation potential, 1799 Lake Cir checks multiple high interest search points at once. It also fits buyers looking for extra outdoor space, no HOA restrictions, and a home they can improve while still owning a larger parcel in Fort Pierce. This is not being presented as a turnkey property. It is being presented honestly as a property with land, usable square footage, and a strong underlying setup for the buyer who sees the value in buying the right lot and structure first, then improving the home over time. SOME PHOTOS HAVE BEEN VIRTUALLY EDITED.
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $183,920 | $183,920 | $183,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.875% | 6.250% | 5.490% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.357% | 6.431% | 5.873% |
| Monthly Tax Payment | $568 | $568 | $568 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,088 | $1,132 | $1,502 |
| Total Monthly Payment | $1,731 | $1,775 | $2,145 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.