2185 W Say Dr · Citrus Springs, FL 34434

$288,950

4 bd · 2.0 ba · 1,760 sqft · Land · 239 Days on market

Built 2026 10,014 sqft lot

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Why this score? — see what drove the F grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• ARV discount +7.5/15.0
• Cash flow +7.3/30.0
• Schools +4.1/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +2.1/10.0
• DSCR +1.5/10.0
• Appreciation +0.1/10.0

Listing remarks MLS

READY NOW!!! TILE EVERYWHERE EXCEPT BEDROOMS!! QUICK CLOSING POSSIBLE!!! ASK ABOUT SELLER OFFERED ADDITIONAL INCENTIVES ON THIS HOME! SELLER PAYS CLOSING COSTS W/ APPROVED LENDERS!! TILE EVERYWHERE EXCEPT BEDROOMS- BRAND-NEW, QUALITY BUILT 4BED, 2BATH, 2CAR GARAGE HOME! This home is located in the Citrus Springs community. Need a fence? You can have it! Need a shed? You can have it!! Have a boat? You can have it here!! Come join this beautiful community! Hurry in!! This home is READY NOW!! Make it yours!! Seller pays closing costs w/ approved lenders and cash sales. Upgrades included in this home: CERAMIC WOOD LOOK TILE EVERYWHERE EXCEPT BEDROOMS; WOOD SHAKER CABINETS W/ PULLS; 2 CAR GARAGE; 14X10 COVERED BACK PORCH AND A LARGE COVERED PORCH ON THE FRONT; ); SEPARATE TILE SHOWER W/ LIGHT & SHOWER DOOR IN OWNERS BATH AND A GARDEN TUB; TRAY CEILING W/ CROWN MOLDING IN OWNERS BEDROOM; STAINLESS STEEL APPLIANCE PKG; MINI BLIND INSERTS IN BACK DOOR TO COVERED LANAI. TAEXX PEST CONTROL SYSTEM BUILT IN; BUILDER INCENTRIVES AND THIRD-PARTY WARRANTY INCLUDED ON THIS HOME! CITRUS SPRINGS OFFERS A GOLF COURSE, A PARK WITH BALL FIELDS AND A PLAY AREA FOR THE LITTLES, THE RAILS TO TRAILS BIKE/WALKING TRAIL RUNS THROUGH THE COMMUNITY ALONGSIDE US HWY 41. LOCATION IS KEY AND THIS COMMUNITY IS CLOSE TO CRYSTAL RIVER, INVERNESS, DUNNELLON, OCALA AND SPRING HILL VIA THE PARKWAY. COME CHECK IT OUT!!

Key facts

• Tray ceiling
• Wood shaker cabinets
• Separate tile shower

Tags

• CERAMIC WOOD LOOK TILE
• WOOD SHAKER CABINETS
• COVERED BACK PORCH
• SEPARATE TILE SHOWER
• GARDEN TUB
• TRAY CEILING

Property features AI

Finance

• Other: Home warranty included; Direction to property provided
• HOA & community: Community amenities include golf, park and playground; Pets allowed (cats and dogs)

Exterior

• Parking: Attached garage; 2-car garage (20 x 19)
• Utilities: Well water; Septic tank; Electricity connected
• Home design: Single-family residence; One story; Facing south; Completed new construction (projected completion listed as 2025-12-31)
• Construction: Block and stucco construction; Shingle roof; Slab foundation; Builder: Adams Homes of NW FL, Inc; Model: 1755-D; New construction
• Exterior features: Exterior lighting; Sidewalks; Cleared lot; Asphalt road access; Publicly maintained road

Interior

• Kitchen: Dishwasher; Disposal; Microwave; Range
• Bedrooms: 4 bedrooms
• Flooring: Carpet; Ceramic tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric heating; Heat pump; Central air conditioning
• Interior features: Cathedral, tray and vaulted ceilings; High ceilings; In-wall pest control system; Walk-in closets
• Laundry & utility: Indoor laundry room

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath land listed at $289k.

Deal economics

• At list price, monthly cash flow is $-386 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $233k (19.3% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $204k (29.4% below list).
• Recommended offer: $204k (29.4% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 68/100 on livability (#521 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: health & safety C-, employment D+, amenities F.
• Citrus (rural): math 49% / reading 50% proficiency, ranked #44 of 73 in FL (top 60%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Citrus Springs Elementary School (math 52% / reading 48%, grade D+, #1,070 of 2,144 statewide, top 51%, 817 students, 71% FRL); Lecanto High School (math 46% / reading 53%, grade D, #179 of 667 statewide, top 29%, 1,630 students, 46% FRL) — zoned schools at 58% FRL track the district average.
• Market conditions: 1242 active listings in the ZIP; 19 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 2,443 units permitted in Citrus County in 2024 (0 in 5+ unit buildings).
• This rent runs 35% of the median local income ($69k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $9k of value loss. Plan a longer hold.
• Citrus County population projected to shrink 10% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 239 days — a 12% lower offer ($254k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $23k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $152k; list at $289k implies a 90% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $203,913 (29.4% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 239 days. Have you received any prior offers? Is the seller open to a 29% concession, seller financing, or rate buy-down credit?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
6. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
7. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
8. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.71% ✗
• Cap rate: 4.69%
• Cash-on-cash: -5.72%
• DSCR: 0.75
• GRM: 11.8

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -26.1%
• Equity multiple: 0.12×
• Total profit: $-71,373
• Equity at exit: $43,083

10-year hold

• IRR: -22.9%
• Equity multiple: -0.16×
• Total profit: $-93,678
• Equity at exit: $24,983

Cash invested: $80,906 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Florida: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 34434

• Home prices YoY: -2.9%
• Active inventory: 1242
• Price-to-rent: 11.8×

Monthly cashflow live

• Estimated rent: $2,039 high
• Mortgage (P&I): −$1,515
• Tax est. 1.5%: −$361 /mo · $4,334/yr
• Insurance: −$120
• HOA: −$0
• Vacancy / Maint / Mgmt: −$428
• Net cashflow: $-386

Break-even live

Break-even rent $2,528

Max offer price $233,102

Occupancy floor —

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $72,238
• Closing costs: $8,668
• Reserves months: —
• Total cash needed: —

Rent comps 19 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7175 N Varsity Ave Citrus Springs, FL	3.0	2.0	1428	$1,795	$1.26	21d	1	0.33mi
1912 W Quaker Ln Citrus Springs, FL	4.0	2.0	1636	$1,895	$1.16	21d	1	0.36mi
7708 N Paris Dr Dunnellon, FL	3.0	2.0	1415	$1,800	$1.27	21d	1	0.76mi
8006 N Voyager Dr Citrus Springs, FL	4.0	2.0	1636	$1,899	$1.16	21d	1	0.80mi
7047 N Lime Dr Citrus Springs, FL	4.0	2.0	1630	$1,900	$1.17	21d	1	0.80mi
1301 N Galgano St Dunnellon, FL	4.0	3.0	2381	$2,800	$1.18	21d	1	0.89mi
7908 N Galena Ave Citrus Springs, FL	4.0	2.5	1551	$1,850	$1.19	21d	1	0.96mi
7062 N Regent Ter Citrus Springs, FL	4.0	2.0	1621	$1,700	$1.05	21d	1	0.98mi
8267 N Santos Dr Citrus Springs, FL	3.0	2.0	1453	$1,800	$1.24	21d	1	1.00mi
7061 N Outrigger Ter Citrus Springs, FL	4.0	2.0	1621	$1,700	$1.05	21d	1	1.01mi
8030 N Galena Ave Citrus Springs, FL	4.0	2.0	1833	$2,150	$1.17	21d	1	1.04mi
3272 W Fairbank Dr Citrus Springs, FL	4.0	2.0	1774	$2,050	$1.16	21d	1	1.10mi
2117 W Swanson Dr Citrus Springs, FL	4.0	2.0	1580	$1,850	$1.17	21d	1	1.18mi
3036 W Akron Pl Citrus Springs, FL	4.0	2.0	1833	$2,000	$1.09	21d	1	1.18mi
6865 N Pavilion Loop Citrus Springs, FL	4.0	2.0	1674	$1,850	$1.11	21d	1	1.30mi
1482 W Manchester Dr Dunnellon, FL	3.0	2.0	1540	$1,695	$1.10	21d	1	1.37mi
7938 N Maltese Dr Citrus Springs, FL	4.0	2.0	1833	$2,150	$1.17	21d	1	1.40mi
6251 W Whispering Dr Citrus Springs, FL	4.0	2.0	1617	$1,815	$1.12	21d	1	1.44mi
788 W Glenhaven Dr Citrus Springs, FL	4.0	2.0	1621	$1,800	$1.11	21d	1	1.50mi

Listing history 15 events

1. 2026-05-04
   status Pending 1414-char remark

   Show marketing remark (1414 chars)

   READY NOW!!! TILE EVERYWHERE EXCEPT BEDROOMS!! QUICK CLOSING POSSIBLE!!! ASK ABOUT SELLER OFFERED ADDITIONAL INCENTIVES ON THIS HOME! SELLER PAYS CLOSING COSTS W/ APPROVED LENDERS!! TILE EVERYWHERE EXCEPT BEDROOMS- BRAND-NEW, QUALITY BUILT 4BED, 2BATH, 2CAR GARAGE HOME! This home is located in the Citrus Springs community. Need a fence? You can have it! Need a shed? You can have it!! Have a boat? You can have it here!! Come join this beautiful community! Hurry in!! This home is READY NOW!! Make it yours!! Seller pays closing costs w/ approved lenders and cash sales. Upgrades included in this home: CERAMIC WOOD LOOK TILE EVERYWHERE EXCEPT BEDROOMS; WOOD SHAKER CABINETS W/ PULLS; 2 CAR GARAGE; 14X10 COVERED BACK PORCH AND A LARGE COVERED PORCH ON THE FRONT; ); SEPARATE TILE SHOWER W/ LIGHT & SHOWER DOOR IN OWNERS BATH AND A GARDEN TUB; TRAY CEILING W/ CROWN MOLDING IN OWNERS BEDROOM; STAINLESS STEEL APPLIANCE PKG; MINI BLIND INSERTS IN BACK DOOR TO COVERED LANAI. TAEXX PEST CONTROL SYSTEM BUILT IN; BUILDER INCENTRIVES AND THIRD-PARTY WARRANTY INCLUDED ON THIS HOME! CITRUS SPRINGS OFFERS A GOLF COURSE, A PARK WITH BALL FIELDS AND A PLAY AREA FOR THE LITTLES, THE RAILS TO TRAILS BIKE/WALKING TRAIL RUNS THROUGH THE COMMUNITY ALONGSIDE US HWY 41. LOCATION IS KEY AND THIS COMMUNITY IS CLOSE TO CRYSTAL RIVER, INVERNESS, DUNNELLON, OCALA AND SPRING HILL VIA THE PARKWAY. COME CHECK IT OUT!!

2. 2026-05-04
   status Pending

   Show marketing remark (1414 chars)

   READY NOW!!! TILE EVERYWHERE EXCEPT BEDROOMS!! QUICK CLOSING POSSIBLE!!! ASK ABOUT SELLER OFFERED ADDITIONAL INCENTIVES ON THIS HOME! SELLER PAYS CLOSING COSTS W/ APPROVED LENDERS!! TILE EVERYWHERE EXCEPT BEDROOMS- BRAND-NEW, QUALITY BUILT 4BED, 2BATH, 2CAR GARAGE HOME! This home is located in the Citrus Springs community. Need a fence? You can have it! Need a shed? You can have it!! Have a boat? You can have it here!! Come join this beautiful community! Hurry in!! This home is READY NOW!! Make it yours!! Seller pays closing costs w/ approved lenders and cash sales. Upgrades included in this home: CERAMIC WOOD LOOK TILE EVERYWHERE EXCEPT BEDROOMS; WOOD SHAKER CABINETS W/ PULLS; 2 CAR GARAGE; 14X10 COVERED BACK PORCH AND A LARGE COVERED PORCH ON THE FRONT; ); SEPARATE TILE SHOWER W/ LIGHT & SHOWER DOOR IN OWNERS BATH AND A GARDEN TUB; TRAY CEILING W/ CROWN MOLDING IN OWNERS BEDROOM; STAINLESS STEEL APPLIANCE PKG; MINI BLIND INSERTS IN BACK DOOR TO COVERED LANAI. TAEXX PEST CONTROL SYSTEM BUILT IN; BUILDER INCENTRIVES AND THIRD-PARTY WARRANTY INCLUDED ON THIS HOME! CITRUS SPRINGS OFFERS A GOLF COURSE, A PARK WITH BALL FIELDS AND A PLAY AREA FOR THE LITTLES, THE RAILS TO TRAILS BIKE/WALKING TRAIL RUNS THROUGH THE COMMUNITY ALONGSIDE US HWY 41. LOCATION IS KEY AND THIS COMMUNITY IS CLOSE TO CRYSTAL RIVER, INVERNESS, DUNNELLON, OCALA AND SPRING HILL VIA THE PARKWAY. COME CHECK IT OUT!!

3. 2026-04-16
   price $288,950 1414-char remark

   Show marketing remark (1414 chars)

   READY NOW!!! TILE EVERYWHERE EXCEPT BEDROOMS!! QUICK CLOSING POSSIBLE!!! ASK ABOUT SELLER OFFERED ADDITIONAL INCENTIVES ON THIS HOME! SELLER PAYS CLOSING COSTS W/ APPROVED LENDERS!! TILE EVERYWHERE EXCEPT BEDROOMS- BRAND-NEW, QUALITY BUILT 4BED, 2BATH, 2CAR GARAGE HOME! This home is located in the Citrus Springs community. Need a fence? You can have it! Need a shed? You can have it!! Have a boat? You can have it here!! Come join this beautiful community! Hurry in!! This home is READY NOW!! Make it yours!! Seller pays closing costs w/ approved lenders and cash sales. Upgrades included in this home: CERAMIC WOOD LOOK TILE EVERYWHERE EXCEPT BEDROOMS; WOOD SHAKER CABINETS W/ PULLS; 2 CAR GARAGE; 14X10 COVERED BACK PORCH AND A LARGE COVERED PORCH ON THE FRONT; ); SEPARATE TILE SHOWER W/ LIGHT & SHOWER DOOR IN OWNERS BATH AND A GARDEN TUB; TRAY CEILING W/ CROWN MOLDING IN OWNERS BEDROOM; STAINLESS STEEL APPLIANCE PKG; MINI BLIND INSERTS IN BACK DOOR TO COVERED LANAI. TAEXX PEST CONTROL SYSTEM BUILT IN; BUILDER INCENTRIVES AND THIRD-PARTY WARRANTY INCLUDED ON THIS HOME! CITRUS SPRINGS OFFERS A GOLF COURSE, A PARK WITH BALL FIELDS AND A PLAY AREA FOR THE LITTLES, THE RAILS TO TRAILS BIKE/WALKING TRAIL RUNS THROUGH THE COMMUNITY ALONGSIDE US HWY 41. LOCATION IS KEY AND THIS COMMUNITY IS CLOSE TO CRYSTAL RIVER, INVERNESS, DUNNELLON, OCALA AND SPRING HILL VIA THE PARKWAY. COME CHECK IT OUT!!

4. 2026-04-16
   price $288,950

   Show marketing remark (1414 chars)

   READY NOW!!! TILE EVERYWHERE EXCEPT BEDROOMS!! QUICK CLOSING POSSIBLE!!! ASK ABOUT SELLER OFFERED ADDITIONAL INCENTIVES ON THIS HOME! SELLER PAYS CLOSING COSTS W/ APPROVED LENDERS!! TILE EVERYWHERE EXCEPT BEDROOMS- BRAND-NEW, QUALITY BUILT 4BED, 2BATH, 2CAR GARAGE HOME! This home is located in the Citrus Springs community. Need a fence? You can have it! Need a shed? You can have it!! Have a boat? You can have it here!! Come join this beautiful community! Hurry in!! This home is READY NOW!! Make it yours!! Seller pays closing costs w/ approved lenders and cash sales. Upgrades included in this home: CERAMIC WOOD LOOK TILE EVERYWHERE EXCEPT BEDROOMS; WOOD SHAKER CABINETS W/ PULLS; 2 CAR GARAGE; 14X10 COVERED BACK PORCH AND A LARGE COVERED PORCH ON THE FRONT; ); SEPARATE TILE SHOWER W/ LIGHT & SHOWER DOOR IN OWNERS BATH AND A GARDEN TUB; TRAY CEILING W/ CROWN MOLDING IN OWNERS BEDROOM; STAINLESS STEEL APPLIANCE PKG; MINI BLIND INSERTS IN BACK DOOR TO COVERED LANAI. TAEXX PEST CONTROL SYSTEM BUILT IN; BUILDER INCENTRIVES AND THIRD-PARTY WARRANTY INCLUDED ON THIS HOME! CITRUS SPRINGS OFFERS A GOLF COURSE, A PARK WITH BALL FIELDS AND A PLAY AREA FOR THE LITTLES, THE RAILS TO TRAILS BIKE/WALKING TRAIL RUNS THROUGH THE COMMUNITY ALONGSIDE US HWY 41. LOCATION IS KEY AND THIS COMMUNITY IS CLOSE TO CRYSTAL RIVER, INVERNESS, DUNNELLON, OCALA AND SPRING HILL VIA THE PARKWAY. COME CHECK IT OUT!!

5. 2026-03-11
   price $291,950 1414-char remark

   Show marketing remark (1414 chars)

   READY NOW!!! TILE EVERYWHERE EXCEPT BEDROOMS!! QUICK CLOSING POSSIBLE!!! ASK ABOUT SELLER OFFERED ADDITIONAL INCENTIVES ON THIS HOME! SELLER PAYS CLOSING COSTS W/ APPROVED LENDERS!! TILE EVERYWHERE EXCEPT BEDROOMS- BRAND-NEW, QUALITY BUILT 4BED, 2BATH, 2CAR GARAGE HOME! This home is located in the Citrus Springs community. Need a fence? You can have it! Need a shed? You can have it!! Have a boat? You can have it here!! Come join this beautiful community! Hurry in!! This home is READY NOW!! Make it yours!! Seller pays closing costs w/ approved lenders and cash sales. Upgrades included in this home: CERAMIC WOOD LOOK TILE EVERYWHERE EXCEPT BEDROOMS; WOOD SHAKER CABINETS W/ PULLS; 2 CAR GARAGE; 14X10 COVERED BACK PORCH AND A LARGE COVERED PORCH ON THE FRONT; ); SEPARATE TILE SHOWER W/ LIGHT & SHOWER DOOR IN OWNERS BATH AND A GARDEN TUB; TRAY CEILING W/ CROWN MOLDING IN OWNERS BEDROOM; STAINLESS STEEL APPLIANCE PKG; MINI BLIND INSERTS IN BACK DOOR TO COVERED LANAI. TAEXX PEST CONTROL SYSTEM BUILT IN; BUILDER INCENTRIVES AND THIRD-PARTY WARRANTY INCLUDED ON THIS HOME! CITRUS SPRINGS OFFERS A GOLF COURSE, A PARK WITH BALL FIELDS AND A PLAY AREA FOR THE LITTLES, THE RAILS TO TRAILS BIKE/WALKING TRAIL RUNS THROUGH THE COMMUNITY ALONGSIDE US HWY 41. LOCATION IS KEY AND THIS COMMUNITY IS CLOSE TO CRYSTAL RIVER, INVERNESS, DUNNELLON, OCALA AND SPRING HILL VIA THE PARKWAY. COME CHECK IT OUT!!

6. 2026-03-11
   price $291,950

   Show marketing remark (1414 chars)

   READY NOW!!! TILE EVERYWHERE EXCEPT BEDROOMS!! QUICK CLOSING POSSIBLE!!! ASK ABOUT SELLER OFFERED ADDITIONAL INCENTIVES ON THIS HOME! SELLER PAYS CLOSING COSTS W/ APPROVED LENDERS!! TILE EVERYWHERE EXCEPT BEDROOMS- BRAND-NEW, QUALITY BUILT 4BED, 2BATH, 2CAR GARAGE HOME! This home is located in the Citrus Springs community. Need a fence? You can have it! Need a shed? You can have it!! Have a boat? You can have it here!! Come join this beautiful community! Hurry in!! This home is READY NOW!! Make it yours!! Seller pays closing costs w/ approved lenders and cash sales. Upgrades included in this home: CERAMIC WOOD LOOK TILE EVERYWHERE EXCEPT BEDROOMS; WOOD SHAKER CABINETS W/ PULLS; 2 CAR GARAGE; 14X10 COVERED BACK PORCH AND A LARGE COVERED PORCH ON THE FRONT; ); SEPARATE TILE SHOWER W/ LIGHT & SHOWER DOOR IN OWNERS BATH AND A GARDEN TUB; TRAY CEILING W/ CROWN MOLDING IN OWNERS BEDROOM; STAINLESS STEEL APPLIANCE PKG; MINI BLIND INSERTS IN BACK DOOR TO COVERED LANAI. TAEXX PEST CONTROL SYSTEM BUILT IN; BUILDER INCENTRIVES AND THIRD-PARTY WARRANTY INCLUDED ON THIS HOME! CITRUS SPRINGS OFFERS A GOLF COURSE, A PARK WITH BALL FIELDS AND A PLAY AREA FOR THE LITTLES, THE RAILS TO TRAILS BIKE/WALKING TRAIL RUNS THROUGH THE COMMUNITY ALONGSIDE US HWY 41. LOCATION IS KEY AND THIS COMMUNITY IS CLOSE TO CRYSTAL RIVER, INVERNESS, DUNNELLON, OCALA AND SPRING HILL VIA THE PARKWAY. COME CHECK IT OUT!!

7. 2026-02-07
   price $296,950 1414-char remark

   Show marketing remark (1414 chars)

   READY NOW!!! TILE EVERYWHERE EXCEPT BEDROOMS!! QUICK CLOSING POSSIBLE!!! ASK ABOUT SELLER OFFERED ADDITIONAL INCENTIVES ON THIS HOME! SELLER PAYS CLOSING COSTS W/ APPROVED LENDERS!! TILE EVERYWHERE EXCEPT BEDROOMS- BRAND-NEW, QUALITY BUILT 4BED, 2BATH, 2CAR GARAGE HOME! This home is located in the Citrus Springs community. Need a fence? You can have it! Need a shed? You can have it!! Have a boat? You can have it here!! Come join this beautiful community! Hurry in!! This home is READY NOW!! Make it yours!! Seller pays closing costs w/ approved lenders and cash sales. Upgrades included in this home: CERAMIC WOOD LOOK TILE EVERYWHERE EXCEPT BEDROOMS; WOOD SHAKER CABINETS W/ PULLS; 2 CAR GARAGE; 14X10 COVERED BACK PORCH AND A LARGE COVERED PORCH ON THE FRONT; ); SEPARATE TILE SHOWER W/ LIGHT & SHOWER DOOR IN OWNERS BATH AND A GARDEN TUB; TRAY CEILING W/ CROWN MOLDING IN OWNERS BEDROOM; STAINLESS STEEL APPLIANCE PKG; MINI BLIND INSERTS IN BACK DOOR TO COVERED LANAI. TAEXX PEST CONTROL SYSTEM BUILT IN; BUILDER INCENTRIVES AND THIRD-PARTY WARRANTY INCLUDED ON THIS HOME! CITRUS SPRINGS OFFERS A GOLF COURSE, A PARK WITH BALL FIELDS AND A PLAY AREA FOR THE LITTLES, THE RAILS TO TRAILS BIKE/WALKING TRAIL RUNS THROUGH THE COMMUNITY ALONGSIDE US HWY 41. LOCATION IS KEY AND THIS COMMUNITY IS CLOSE TO CRYSTAL RIVER, INVERNESS, DUNNELLON, OCALA AND SPRING HILL VIA THE PARKWAY. COME CHECK IT OUT!!

8. 2026-02-07
   price $296,950

   Show marketing remark (1414 chars)

   READY NOW!!! TILE EVERYWHERE EXCEPT BEDROOMS!! QUICK CLOSING POSSIBLE!!! ASK ABOUT SELLER OFFERED ADDITIONAL INCENTIVES ON THIS HOME! SELLER PAYS CLOSING COSTS W/ APPROVED LENDERS!! TILE EVERYWHERE EXCEPT BEDROOMS- BRAND-NEW, QUALITY BUILT 4BED, 2BATH, 2CAR GARAGE HOME! This home is located in the Citrus Springs community. Need a fence? You can have it! Need a shed? You can have it!! Have a boat? You can have it here!! Come join this beautiful community! Hurry in!! This home is READY NOW!! Make it yours!! Seller pays closing costs w/ approved lenders and cash sales. Upgrades included in this home: CERAMIC WOOD LOOK TILE EVERYWHERE EXCEPT BEDROOMS; WOOD SHAKER CABINETS W/ PULLS; 2 CAR GARAGE; 14X10 COVERED BACK PORCH AND A LARGE COVERED PORCH ON THE FRONT; ); SEPARATE TILE SHOWER W/ LIGHT & SHOWER DOOR IN OWNERS BATH AND A GARDEN TUB; TRAY CEILING W/ CROWN MOLDING IN OWNERS BEDROOM; STAINLESS STEEL APPLIANCE PKG; MINI BLIND INSERTS IN BACK DOOR TO COVERED LANAI. TAEXX PEST CONTROL SYSTEM BUILT IN; BUILDER INCENTRIVES AND THIRD-PARTY WARRANTY INCLUDED ON THIS HOME! CITRUS SPRINGS OFFERS A GOLF COURSE, A PARK WITH BALL FIELDS AND A PLAY AREA FOR THE LITTLES, THE RAILS TO TRAILS BIKE/WALKING TRAIL RUNS THROUGH THE COMMUNITY ALONGSIDE US HWY 41. LOCATION IS KEY AND THIS COMMUNITY IS CLOSE TO CRYSTAL RIVER, INVERNESS, DUNNELLON, OCALA AND SPRING HILL VIA THE PARKWAY. COME CHECK IT OUT!!

9. 2026-01-11
   price $291,950 1414-char remark

   Show marketing remark (1414 chars)

   READY NOW!!! TILE EVERYWHERE EXCEPT BEDROOMS!! QUICK CLOSING POSSIBLE!!! ASK ABOUT SELLER OFFERED ADDITIONAL INCENTIVES ON THIS HOME! SELLER PAYS CLOSING COSTS W/ APPROVED LENDERS!! TILE EVERYWHERE EXCEPT BEDROOMS- BRAND-NEW, QUALITY BUILT 4BED, 2BATH, 2CAR GARAGE HOME! This home is located in the Citrus Springs community. Need a fence? You can have it! Need a shed? You can have it!! Have a boat? You can have it here!! Come join this beautiful community! Hurry in!! This home is READY NOW!! Make it yours!! Seller pays closing costs w/ approved lenders and cash sales. Upgrades included in this home: CERAMIC WOOD LOOK TILE EVERYWHERE EXCEPT BEDROOMS; WOOD SHAKER CABINETS W/ PULLS; 2 CAR GARAGE; 14X10 COVERED BACK PORCH AND A LARGE COVERED PORCH ON THE FRONT; ); SEPARATE TILE SHOWER W/ LIGHT & SHOWER DOOR IN OWNERS BATH AND A GARDEN TUB; TRAY CEILING W/ CROWN MOLDING IN OWNERS BEDROOM; STAINLESS STEEL APPLIANCE PKG; MINI BLIND INSERTS IN BACK DOOR TO COVERED LANAI. TAEXX PEST CONTROL SYSTEM BUILT IN; BUILDER INCENTRIVES AND THIRD-PARTY WARRANTY INCLUDED ON THIS HOME! CITRUS SPRINGS OFFERS A GOLF COURSE, A PARK WITH BALL FIELDS AND A PLAY AREA FOR THE LITTLES, THE RAILS TO TRAILS BIKE/WALKING TRAIL RUNS THROUGH THE COMMUNITY ALONGSIDE US HWY 41. LOCATION IS KEY AND THIS COMMUNITY IS CLOSE TO CRYSTAL RIVER, INVERNESS, DUNNELLON, OCALA AND SPRING HILL VIA THE PARKWAY. COME CHECK IT OUT!!

10. 2026-01-11
    price $291,950

    Show marketing remark (1414 chars)

    READY NOW!!! TILE EVERYWHERE EXCEPT BEDROOMS!! QUICK CLOSING POSSIBLE!!! ASK ABOUT SELLER OFFERED ADDITIONAL INCENTIVES ON THIS HOME! SELLER PAYS CLOSING COSTS W/ APPROVED LENDERS!! TILE EVERYWHERE EXCEPT BEDROOMS- BRAND-NEW, QUALITY BUILT 4BED, 2BATH, 2CAR GARAGE HOME! This home is located in the Citrus Springs community. Need a fence? You can have it! Need a shed? You can have it!! Have a boat? You can have it here!! Come join this beautiful community! Hurry in!! This home is READY NOW!! Make it yours!! Seller pays closing costs w/ approved lenders and cash sales. Upgrades included in this home: CERAMIC WOOD LOOK TILE EVERYWHERE EXCEPT BEDROOMS; WOOD SHAKER CABINETS W/ PULLS; 2 CAR GARAGE; 14X10 COVERED BACK PORCH AND A LARGE COVERED PORCH ON THE FRONT; ); SEPARATE TILE SHOWER W/ LIGHT & SHOWER DOOR IN OWNERS BATH AND A GARDEN TUB; TRAY CEILING W/ CROWN MOLDING IN OWNERS BEDROOM; STAINLESS STEEL APPLIANCE PKG; MINI BLIND INSERTS IN BACK DOOR TO COVERED LANAI. TAEXX PEST CONTROL SYSTEM BUILT IN; BUILDER INCENTRIVES AND THIRD-PARTY WARRANTY INCLUDED ON THIS HOME! CITRUS SPRINGS OFFERS A GOLF COURSE, A PARK WITH BALL FIELDS AND A PLAY AREA FOR THE LITTLES, THE RAILS TO TRAILS BIKE/WALKING TRAIL RUNS THROUGH THE COMMUNITY ALONGSIDE US HWY 41. LOCATION IS KEY AND THIS COMMUNITY IS CLOSE TO CRYSTAL RIVER, INVERNESS, DUNNELLON, OCALA AND SPRING HILL VIA THE PARKWAY. COME CHECK IT OUT!!

11. 2025-09-12
    price $316,950 1414-char remark

    Show marketing remark (1414 chars)

    READY NOW!!! TILE EVERYWHERE EXCEPT BEDROOMS!! QUICK CLOSING POSSIBLE!!! ASK ABOUT SELLER OFFERED ADDITIONAL INCENTIVES ON THIS HOME! SELLER PAYS CLOSING COSTS W/ APPROVED LENDERS!! TILE EVERYWHERE EXCEPT BEDROOMS- BRAND-NEW, QUALITY BUILT 4BED, 2BATH, 2CAR GARAGE HOME! This home is located in the Citrus Springs community. Need a fence? You can have it! Need a shed? You can have it!! Have a boat? You can have it here!! Come join this beautiful community! Hurry in!! This home is READY NOW!! Make it yours!! Seller pays closing costs w/ approved lenders and cash sales. Upgrades included in this home: CERAMIC WOOD LOOK TILE EVERYWHERE EXCEPT BEDROOMS; WOOD SHAKER CABINETS W/ PULLS; 2 CAR GARAGE; 14X10 COVERED BACK PORCH AND A LARGE COVERED PORCH ON THE FRONT; ); SEPARATE TILE SHOWER W/ LIGHT & SHOWER DOOR IN OWNERS BATH AND A GARDEN TUB; TRAY CEILING W/ CROWN MOLDING IN OWNERS BEDROOM; STAINLESS STEEL APPLIANCE PKG; MINI BLIND INSERTS IN BACK DOOR TO COVERED LANAI. TAEXX PEST CONTROL SYSTEM BUILT IN; BUILDER INCENTRIVES AND THIRD-PARTY WARRANTY INCLUDED ON THIS HOME! CITRUS SPRINGS OFFERS A GOLF COURSE, A PARK WITH BALL FIELDS AND A PLAY AREA FOR THE LITTLES, THE RAILS TO TRAILS BIKE/WALKING TRAIL RUNS THROUGH THE COMMUNITY ALONGSIDE US HWY 41. LOCATION IS KEY AND THIS COMMUNITY IS CLOSE TO CRYSTAL RIVER, INVERNESS, DUNNELLON, OCALA AND SPRING HILL VIA THE PARKWAY. COME CHECK IT OUT!!

12. 2025-09-12
    price $316,950

    Show marketing remark (1414 chars)

    READY NOW!!! TILE EVERYWHERE EXCEPT BEDROOMS!! QUICK CLOSING POSSIBLE!!! ASK ABOUT SELLER OFFERED ADDITIONAL INCENTIVES ON THIS HOME! SELLER PAYS CLOSING COSTS W/ APPROVED LENDERS!! TILE EVERYWHERE EXCEPT BEDROOMS- BRAND-NEW, QUALITY BUILT 4BED, 2BATH, 2CAR GARAGE HOME! This home is located in the Citrus Springs community. Need a fence? You can have it! Need a shed? You can have it!! Have a boat? You can have it here!! Come join this beautiful community! Hurry in!! This home is READY NOW!! Make it yours!! Seller pays closing costs w/ approved lenders and cash sales. Upgrades included in this home: CERAMIC WOOD LOOK TILE EVERYWHERE EXCEPT BEDROOMS; WOOD SHAKER CABINETS W/ PULLS; 2 CAR GARAGE; 14X10 COVERED BACK PORCH AND A LARGE COVERED PORCH ON THE FRONT; ); SEPARATE TILE SHOWER W/ LIGHT & SHOWER DOOR IN OWNERS BATH AND A GARDEN TUB; TRAY CEILING W/ CROWN MOLDING IN OWNERS BEDROOM; STAINLESS STEEL APPLIANCE PKG; MINI BLIND INSERTS IN BACK DOOR TO COVERED LANAI. TAEXX PEST CONTROL SYSTEM BUILT IN; BUILDER INCENTRIVES AND THIRD-PARTY WARRANTY INCLUDED ON THIS HOME! CITRUS SPRINGS OFFERS A GOLF COURSE, A PARK WITH BALL FIELDS AND A PLAY AREA FOR THE LITTLES, THE RAILS TO TRAILS BIKE/WALKING TRAIL RUNS THROUGH THE COMMUNITY ALONGSIDE US HWY 41. LOCATION IS KEY AND THIS COMMUNITY IS CLOSE TO CRYSTAL RIVER, INVERNESS, DUNNELLON, OCALA AND SPRING HILL VIA THE PARKWAY. COME CHECK IT OUT!!

13. 2025-09-06
    listed $311,900 Active 1414-char remark

    Show marketing remark (1414 chars)

    READY NOW!!! TILE EVERYWHERE EXCEPT BEDROOMS!! QUICK CLOSING POSSIBLE!!! ASK ABOUT SELLER OFFERED ADDITIONAL INCENTIVES ON THIS HOME! SELLER PAYS CLOSING COSTS W/ APPROVED LENDERS!! TILE EVERYWHERE EXCEPT BEDROOMS- BRAND-NEW, QUALITY BUILT 4BED, 2BATH, 2CAR GARAGE HOME! This home is located in the Citrus Springs community. Need a fence? You can have it! Need a shed? You can have it!! Have a boat? You can have it here!! Come join this beautiful community! Hurry in!! This home is READY NOW!! Make it yours!! Seller pays closing costs w/ approved lenders and cash sales. Upgrades included in this home: CERAMIC WOOD LOOK TILE EVERYWHERE EXCEPT BEDROOMS; WOOD SHAKER CABINETS W/ PULLS; 2 CAR GARAGE; 14X10 COVERED BACK PORCH AND A LARGE COVERED PORCH ON THE FRONT; ); SEPARATE TILE SHOWER W/ LIGHT & SHOWER DOOR IN OWNERS BATH AND A GARDEN TUB; TRAY CEILING W/ CROWN MOLDING IN OWNERS BEDROOM; STAINLESS STEEL APPLIANCE PKG; MINI BLIND INSERTS IN BACK DOOR TO COVERED LANAI. TAEXX PEST CONTROL SYSTEM BUILT IN; BUILDER INCENTRIVES AND THIRD-PARTY WARRANTY INCLUDED ON THIS HOME! CITRUS SPRINGS OFFERS A GOLF COURSE, A PARK WITH BALL FIELDS AND A PLAY AREA FOR THE LITTLES, THE RAILS TO TRAILS BIKE/WALKING TRAIL RUNS THROUGH THE COMMUNITY ALONGSIDE US HWY 41. LOCATION IS KEY AND THIS COMMUNITY IS CLOSE TO CRYSTAL RIVER, INVERNESS, DUNNELLON, OCALA AND SPRING HILL VIA THE PARKWAY. COME CHECK IT OUT!!

14. 2025-09-06
    listed $311,900 Active

    Show marketing remark (1414 chars)

    READY NOW!!! TILE EVERYWHERE EXCEPT BEDROOMS!! QUICK CLOSING POSSIBLE!!! ASK ABOUT SELLER OFFERED ADDITIONAL INCENTIVES ON THIS HOME! SELLER PAYS CLOSING COSTS W/ APPROVED LENDERS!! TILE EVERYWHERE EXCEPT BEDROOMS- BRAND-NEW, QUALITY BUILT 4BED, 2BATH, 2CAR GARAGE HOME! This home is located in the Citrus Springs community. Need a fence? You can have it! Need a shed? You can have it!! Have a boat? You can have it here!! Come join this beautiful community! Hurry in!! This home is READY NOW!! Make it yours!! Seller pays closing costs w/ approved lenders and cash sales. Upgrades included in this home: CERAMIC WOOD LOOK TILE EVERYWHERE EXCEPT BEDROOMS; WOOD SHAKER CABINETS W/ PULLS; 2 CAR GARAGE; 14X10 COVERED BACK PORCH AND A LARGE COVERED PORCH ON THE FRONT; ); SEPARATE TILE SHOWER W/ LIGHT & SHOWER DOOR IN OWNERS BATH AND A GARDEN TUB; TRAY CEILING W/ CROWN MOLDING IN OWNERS BEDROOM; STAINLESS STEEL APPLIANCE PKG; MINI BLIND INSERTS IN BACK DOOR TO COVERED LANAI. TAEXX PEST CONTROL SYSTEM BUILT IN; BUILDER INCENTRIVES AND THIRD-PARTY WARRANTY INCLUDED ON THIS HOME! CITRUS SPRINGS OFFERS A GOLF COURSE, A PARK WITH BALL FIELDS AND A PLAY AREA FOR THE LITTLES, THE RAILS TO TRAILS BIKE/WALKING TRAIL RUNS THROUGH THE COMMUNITY ALONGSIDE US HWY 41. LOCATION IS KEY AND THIS COMMUNITY IS CLOSE TO CRYSTAL RIVER, INVERNESS, DUNNELLON, OCALA AND SPRING HILL VIA THE PARKWAY. COME CHECK IT OUT!!

15. 2024-08-15
    soldstatus $152,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 9/10 Extreme 7 d/yr ≥107°F today · 23 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,470
• − Mortgage interest: −$16,186
• − Property taxes: −$4,334
• − Insurance: −$1,445
• − Repairs & maintenance: −$1,958
• − Management: −$1,958
• − Depreciation: −$8,406
• Taxable loss: −$9,816
• Est. tax savings @ 24.0%: +$2,356
• After-tax cash flow: $-2,276/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Citrus
• NCES district ID: 1200270
• Math proficiency: 49% ▼ -10.00%
• Reading proficiency: 50% ▼ -6.00%
• Median HH income: $38,618
• Composite: 41.28/100
• National rank: #3519
• State rank: #44 of 73 in FL

Livability — Citrus Springs

• Score: 68/100
• State rank: #521
• US rank: #9598

Category grades

Amenities F Commute F Cost of living A+ Crime B- Employment D+ Housing A+ Health & safety C- User ratings A+

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Citrus Springs, FL
• County: Citrus County · 111,314 people
• City population: 10,730
• Metro: Homosassa Springs, FL
• Population (ZIP): 11,074
• Household income: $68,939
• Rent vs Own: 12.4% rent · 87.6% own
• Severe rent burden: 171.0

Population outlook (Citrus County) Hauer SSP2

• Today (2025): 138,622 people
• By 2030: 136,886 · -1.3%
• By 2040: 132,009 · -4.8%
• By 2050: 125,196 · -9.7%
• By 2075: 108,570 · -21.7%
• By 2100: 84,454 · -39.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (78%)
• Race & ethnicity: White 78% Two or more races 11% Hispanic / Latino 9% Black 6%
• Hispanic origin (detail): Mexican 3% Puerto Rican 4%
• Common ancestry: Iranian 3% Romanian 2% Slovak 2%
• Foreign-born: 4% · Canada
• Languages at home: 93% English-only · Spanish 5% German/W. Germanic 1% Other Indo-European 1%

Political lean MEDSL · Citrus

• 2024 margin: Solid R (+45.9) · D 26.8% · R 72.6%
• 2008→2024 swing: -29.8pp toward R · 2008: -16.1pp · 2024: -45.9pp
• All cycles: 2024: R+45.9 2020: R+41.0 2016: R+39.7 2012: R+21.9 2008: R+16.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -9.70%
• Current HPI: 328.2164
• Rent YoY: —
• Metro: Homosassa Springs, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

+90.1% since first listed

15 events — show timeline

• 2026-05-04 Pending — RACC
• 2026-05-04 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-04-16 Price Changed $288,950 RACC
• 2026-04-16 Price Changed $288,950 Stellar MLS as Distributed by MLS Grid
• 2026-03-11 Price Changed $291,950 RACC
• 2026-03-11 Price Changed $291,950 Stellar MLS as Distributed by MLS Grid
• 2026-02-07 Price Changed $296,950 RACC
• 2026-02-07 Price Changed $296,950 Stellar MLS as Distributed by MLS Grid
• 2026-01-11 Price Changed $291,950 RACC
• 2026-01-11 Price Changed $291,950 Stellar MLS as Distributed by MLS Grid
• 2025-09-12 Price Changed $316,950 RACC
• 2025-09-12 Price Changed $316,950 Stellar MLS as Distributed by MLS Grid
• 2025-09-06 Listed $311,900 RACC
• 2025-09-06 Listed $311,900 Stellar MLS as Distributed by MLS Grid
• 2024-08-15 Sold (Public Records) $152,000 Public Records

Property tax history

+16.7%/yr

Latest (2025): $278 · +138.3% YoY. Source: county tax records.