4790 MICHAEL LANE, Ponce Inlet, FL, 32127 | $850,000

Welcome to 4790 Michael Lane, a charming single-family home located in the beautiful coastal town of Ponce Inlet, FL. This well-maintained residence was built in 1988 and offers a cozy and inviting atmosphere for its new owners. This property provides ample outdoor space for relaxation and entertainment. The lush landscaping and mature trees surrounding the home create a serene and private setting for residents to enjoy. The layout of the home is thoughtfully designed to maximize comfort and functionality, with an open-concept living and dining area that is perfect for hosting gatherings with family and friends. A master bedroom, full bath and large walk in closet occupy one wing of the home, which leads to the pool through custom french doors. Two bedrooms and another full bath occupy the other wing, which also leads to the pool deck. This offers residents and guests both privacy and easy pool access. The kitchen is equipped with modern appliances, ample cabinet storage, and a large, central granite bar for casual dining. The bedrooms are spacious and offer plenty of natural light, providing a peaceful retreat for rest and relaxation. Bedroom floors and bathrooms are ready to be styled to your dream vision. All boast large closets with fully mirrored doors. Other highlights of this property include a two-car garage, an open air pool, and a backyard that is ideal for outdoor activities and hobbies. Whether you're looking to host a barbecue, cultivate a garden, or simply unwind in the sunshine, this home has everything you need to make the most of Florida living. Neither pesticides nor fertilizers have been used on the grounds, making the property organic and safe for animals and children. In addition to its charming features and convenient layout, 4790 Michael Lane is located in a desirable neighborhood known for its peaceful ambiance and proximity to local amenities. Residents can enjoy easy access to the beach, parks, dining and more, making it a truly idyllic place to call home. Important recent improvements include, custom front hurricane door, custom double hung windows in main areas, new HVAC and ductwork, new sockets and switches throughout, new soffit and gutters, new Hardie board siding and brand new top quality paint job. The septic field was replaced in 2025, providing an important update. The aluminum fence surrounding the backyard is also new and provides swing shut, locking gates. The interior main area is equiped with light reflective USA made VCT flooring that is recyclable. The ceiling fans are also new and the chimney was rebuilt to provide a ready-to-use wood burning fireplace. There is new, dimmable recessed lighting in the kitchen and the library and dining room light fixtures are vintage. Many thoughtful improvements have been made to adhere to energy efficiency and USA made updates. Overall, this property offers a wonderful opportunity for buyers seeking a comfortable and stylish home in a sought-after location. Don't miss your chance to make 4790 Michael Lane your own and start living the coastal lifestyle you've always dreamed of.

Features

  • Rooms: 3
  • Bedrooms: 3
  • Baths: 2 full
  • Lot Size: 87 x 125
  • Laundry: Electric Dryer Hookup, Washer Hookup
  • Year Built: 1988
  • Garage: 2-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,876
  • Acreage: 0.25
  • Lot Size: 87 x 125
  • Est. Taxes: $6,423
  • Pool: Other
  • Appliances: Dryer, Electric Water Heater, Range, Refrigerator, Washer
  • MLS#: L4961593
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/L4961593/4790michaellane_ponceinlet_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. (last updated 5/23/2026 3:48:24 AM)
Listing courtesy of HelloSold LLC   Phone: 954-778-5300

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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4790 MICHAEL LANE, Ponce Inlet, FL, 32127

$850,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $680,000 $680,000 $680,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.250% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.362% 6.385% 6.223%
Monthly Tax Payment $535 $535 $535
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $4,077 $4,187 $5,738
Total Monthly Payment $4,704 $4,814 $6,365

* 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.