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21028 Beach Rd, Perry, FL, 32348

4beds
3baths
1,736sqft
$289,000
$166price/sqft
$1,860/moest. monthly cost
$74,400/yrincome needed

About This Home

Welcome to your coastal retreat! This move-in ready 4-bedroom, 3-bath home is located in a golf cart-friendly community just one mile from a deep-water public boat ramp, offering quick access to some of Florida's best boating, fishing, and scalloping. Inside, you'll love the spacious open-concept floor plan featuring a large living, dining, and kitchen area that's perfect for entertaining or everyday living. The wraparound porch provides the ideal place to relax and enjoy the coastal breeze, while the covered parking underneath offers plenty of space for vehicles, boats, golf carts, and all your outdoor gear. Situated on paved road frontage and featuring an all-electric design, this home is ready for you to move right in and start enjoying the laid-back coastal lifestyle. Whether you're searching for a full-time residence, vacation getaway, or investment opportunity, this property has everything you need.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

10/10
Steinhatchee SchoolGrades PK-515.8 mi
5/10
--
Taylor Virtual FranchiseGrades K-1220.9 mi

Construction

Condition

  • Year built: 2017

Materials

  • Construction materials: Fiber Cement

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Oven,Refrigerator

Bedroom2

  • Dimensions: 14x12

Bedroom3

  • Dimensions: 14x12

Bedroom4

  • Dimensions: 13x12

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2

Dining Room

  • Dimensions: 15x12

Family Room

  • Dimensions: 0

Features

  • Split Bedrooms
  • Flooring: Carpet,Plank,Vinyl

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Ceiling Fan(s),Electric

Interior Area

  • Total structure area: 1,736
  • Total interior livable area: 1,736 sqft

Kitchen

  • Dimensions: 20x16

Living Room

  • Dimensions: 16x16

Master Bedroom

  • Dimensions: 16x16

Property

Details

  • Parcel number: 07019200
  • Special condition: Standard

Features

  • Patio & porch: Deck
  • Has view: Yes
  • View description: None

Lot

  • Lot size: 1.94 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

  • Coastal Flooding
    Coastal FloodingVery High
  • Hurricane
    HurricaneVery High
  • Lightning
    LightningVery High
  • Cold Wave
    Cold WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Lightning
Cold Wave
Heat Wave
Strong Wind
Inland Flooding
Tornado
Wildfire
Winter Weather

FEMA Declared Disasters in Taylor 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 $1,461$17,532
Home Insurance *$192$2,304
Property Taxes $10$120
Electricity $197$2,366
Total$1,860$22,320
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$63,771/yr
40% on housing$55,800/yr
45% on housing$49,600/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: 11.4%
11.4%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 0.5%
0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$166This listing

vs Other Active Listings

Avg $/sqft

ZIP 32348$181
Taylor County$179

vs Homes Sold Last Month

Median $/sqft

ZIP 32348
Taylor County$146

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
2026-07-16Listed for sale$289,000

For Sale by Agent

AgentClara A Cope
BrokerageAmy Cope Southern Properties,

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