645 County Road 485a, Lake Panasoffkee, FL, 33538
About This Home
If you’ve been searching for a well-built waterfront home in Lake Panasoffkee with direct canal access to the lake, this property deserves your attention. Located on a canal just off Lake Panasoffkee, this home offers peaceful water views, excellent construction, and true Florida outdoor living. Constructed with durable metal siding and roofing, this home was built with strength and longevity in mind. Inside, you’ll find an open-concept layout with vaulted ceilings that make the main living area feel bright and spacious. Natural light pours in through multiple windows, showcasing clean lines, modern finishes, and a comfortable lake-house feel. The kitchen is thoughtfully designed with solid surface countertops, stainless appliances, ample cabinetry, and a functional galley layout that maximizes space and efficiency. The living and dining areas flow seamlessly together, creating an inviting setting for everyday living or weekend guests. The home features two well-appointed bedrooms and a beautifully finished bathroom with a walk-in tiled shower, subway tile walls, and pebble-style flooring for a custom touch. Step outside to the covered back porch overlooking the canal — this is where the lifestyle truly comes together. Enjoy morning coffee while watching the water, unwind in the evenings, or cast a fishing line right from your backyard. With quick access to Lake Panasoffkee, you’re minutes from boating, fishing, and exploring one of Central Florida’s most loved natural lakes. The property also includes a large covered metal carport structure, detached storage sheds for tools or hobbies, a dedicated laundry area, a covered patio with outdoor seating space, a hot tub setup overlooking the water, and open yard space with room to expand or personalize your outdoor living area. Whether you're looking for a full-time residence, seasonal retreat, Airbnb opportunity, or a fisherman’s getaway, 645 CR 485A offers solid construction, water access, and low-maintenance living in a prime Lake Panasoffkee location. Canal-front. Durable build. Move-in ready. Schedule your private showing and experience Florida waterfront living at its best.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2024
Materials
- Foundation: Slab
- Roof: Metal
- Construction materials: Metal Frame
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Microwave,Range,Refrigerator,Washer
- Laundry features: Laundry Room,Outside
Bathroom1
- Level: First
Bathroom2
- Level: First
Bedroom2
- Features: Built-in Closet
- Level: First
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Features
- Cathedral Ceiling(s),Ceiling Fan(s),Crown Molding
- Flooring: Laminate
Heating & Cooling
- Heating features: Heat Pump
- Cooling features: Central Air
Interior Area
- Total structure area: 900
- Total interior livable area: 720 sqft
Kitchen
- Level: First
Living Room
- Level: First
Primary Bedroom
- Features: Built-in Closet
- Level: First
Property
Details
- Parcel number: J09A072
- Zoning: RES
- Special condition: None
Features
- Levels: One
- Stories: 1
- Exterior features: Fire Pit,RV Hookup
- Has view: Yes
- View description: Lake
- Has water view: Yes
- Water view: Lake
- On waterfront: Yes
- Waterfront features: Canal - Freshwater,Freshwater Canal Access,Lake Privileges
- Waterbody name: LAKE PANASOFFKEE
Lot
- Lot size: 9,600 sqft
- Lot size dimensions: 80 x 120
Parking
- Total spaces: 1
- Parking features: RV Carport,RV Access/Parking
- Covered spaces: 1
- Carport: Yes
- Carport spaces: 1
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
- Hurricane
- Lightning
- Tornado
- Inland Flooding
- Strong Wind
- Wildfire
How This Home’s Risks Compare
FEMA Declared Disasters in Sumter County and Florida
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,769 | $21,228 |
| Home Insurance * | $265 | $3,180 |
| Property Taxes | $295 | $3,540 |
| Electricity | $197 | $2,366 |
| Total | $2,526 | $30,312 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-02-19 | Listed for sale | $349,900 |
View on Zillow