Lucerne Gardens Homes for Sale

Lucerne Gardens is a residential community in Florida City, Florida.

Pure Equity Realty covers Lucerne Gardens and the Florida City area. We list for 1%, which includes photography, MLS syndication, and negotiation support. Buyers pay nothing for representation. For current market data, see Florida Realtors' market statistics.

Our MLS feed shows a single listing for Lucerne Gardens Florida City homes for sale as of October 2026. The median asking price is $499,000.

That is 25% above the Florida City median of $400,000. On a per-foot basis, homes here ask about $300 per square foot, compared with $264 across Florida City. So the median price buys roughly 1,650 square feet of living area. With so few listings, though, treat these figures as a snapshot rather than a trend.

Listings here have averaged 141 days on the market. That tracks the Florida City average of 121 days, so pricing and terms follow the wider city market.

Homes listed in Lucerne Gardens date from 1987, so they are about 39 years old.

All of these homes predate Florida's 2002 statewide building code. So roof age, window protection and the wind mitigation report matter a great deal for insurance.

In addition, most Florida insurers ask for a four-point inspection on homes 30 years or older. It covers the roof, electrical, plumbing and HVAC. Updated systems usually make coverage easier to place.

Here is what the median Lucerne Gardens price means in Florida closing terms. At $499,000, a 20% down payment comes to about $100,000, leaving a loan near $399,000.

Florida then taxes that loan twice. First, documentary stamp tax on the note runs 35 cents per $100, or about $1,397. Next, the intangible tax of 0.2% adds about $798. Buyers normally pay both at closing.

On the seller side, Miami-Dade charges deed stamps of 60 cents per $100 on a single-family home, about $2,994 at this price. Condos and other property types pay a higher rate.

Finally, owner-occupants should file for the Florida homestead exemption by March 1. It removes up to $50,000 of assessed value. After that, Save Our Homes caps yearly assessment increases at 3% or inflation, whichever is lower. To see what these numbers mean for your budget, get pre-approved before you tour.