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10945 Luna Point Rd, Tallahassee, FL, 32312

4beds
5baths
3,984sqft
$1,000,000
$251price/sqft
$7,182/moest. monthly cost
$287,280/yrincome needed

About This Home

Nestled on 3.8 private acres along the shores of Lake Iamonia, this one-of-a-kind property offers a rare opportunity to create your dream waterfront estate. With 4 bedrooms and 4.5 baths, the home is rich in character, history, architectural detail, and timeless craftsmanship—ready for your vision and updates. Step inside to soaring ceilings, striking brick paver floors, and beautiful woodwork that immediately set the tone for the home’s warmth and individuality. A dramatic two-story, double-sided fireplace anchors the main living spaces, creating an unforgettable focal point, while an open floor plan allows for effortless flow and endless design potential. Unique, charming touches are found throughout—from the statement antler chandelier to the custom finishes that make this home truly special. Expansive windows and multiple living areas bring in natural light and showcase the peaceful, wooded setting. Outdoor living is just as inviting, with multiple spaces to relax, entertain, and take in the serene lakefront views, from nearly every room in this home. Whether you envision quiet mornings by the water or hosting gatherings under the stars, the setting is unmatched. A rare blend of acreage, lake frontage, and architectural character, this is an incredible opportunity to reimagine a truly special property in one of Tallahassee’s most scenic locations.

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
25
BikeSomewhat Bikeable

Schools

9/10
8/10
Deerlake Middle SchoolGrades 6-81.4 mi
7/10
Lawton Chiles High SchoolGrades 9-124.5 mi

Construction

Condition

  • Year built: 1988

Type & Style

  • Home type: SingleFamily
  • Architectural style: Two Story,Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Oven,Range,Refrigerator

Bedroom2

  • Dimensions: 16x13

Bedroom3

  • Dimensions: 19x13

Bedroom4

  • Dimensions: 18x12

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Dining Room

  • Dimensions: 18x16

Family Room

  • Dimensions: 36x18

Features

  • High Ceilings,Upper Level Primary
  • Fireplace: Yes

Interior Area

  • Total structure area: 3,984
  • Total interior livable area: 3,984 sqft

Kitchen

  • Dimensions: 28x15

Living Room

  • Dimensions: 40x25

Master Bedroom

  • Dimensions: 18x19

Other

  • Dimensions: 11x9

Property

Details

  • Parcel number: 120731731080000230
  • Special condition: Standard

Features

  • Stories: 2
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake

Lot

  • Lot size: 3.80 Acres

Parking

  • Parking features: Driveway
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Cold Wave
Hurricane
Tornado
Wildfire

FEMA Declared Disasters in Leon County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $5,056$60,672
Home Insurance *$610$7,320
Property Taxes $1,116$13,392
Electricity $400$4,811
Total$7,182$86,184
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$246,240/yr
40% on housing$215,460/yr
45% on housing$191,520/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 14.3%
14.3%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 0.9%
0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$251This listing

vs Other Active Listings

Avg $/sqft

ZIP 32312$244
Leon County$178

vs Homes Sold Last Month

Median $/sqft

ZIP 32312$226
Leon County$200

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-04Price change$1,000,000
2026-04-21Listed for sale$1,250,000

For Sale by Agent

AgentAmanda S Laudadio
BrokerageHill Spooner & Elliott Inc

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