1696 E Naperville Ln · Hernando, FL 34442

$195,000

3 bd · 2.0 ba · 1,152 sqft · Manufactured public records · 85 Days on market

Built 1984 1.25 ac lot Est $190k · at est.

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Why this score? — see what drove the C- 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).

• Cash flow +20.3/30.0
• DSCR +6.4/10.0
• ARV discount +6.3/15.0
• 1% rule +4.7/10.0
• Schools +4.1/10.0
• Livability +3.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

BACK ON THE MARKET THROUGH NO FAULT OF THE PROPERTY- BUYERS CIRCUMSTANCES CHANGED. REMODELED GEM YOU DON'T WANT TO MISS!! Discover the perfect blend of privacy, space, and modern updates in this fully remodeled 3-bedroom, 2-bath mobile home situated on over an acre of land. From the moment you arrive, you'll appreciate the fresh exterior paint, updated skirting around the entire home, and the expansive front porch--ideal for relaxing while enjoying peaceful views of the front yard. Inside, the home feels bright and new with fresh interior paint and upgraded laminate flooring throughout. The beautifully updated kitchen features new (2025) cabinets, countertops, and stainless steel appliances, making it both stylish and functional for everyday living and entertaining. Both bathrooms complement the home's modern updates, and the thoughtful layout offers comfortable living space for family or guests. Step out back to the newly installed back porch deck (2025) and take in the serene views of the spacious backyard--perfect for morning coffee, outdoor dining, or simply enjoying the quiet surroundings. Major upgrades include a brand-new roof (2025) and new A/C system (2025), providing peace of mind for years to come. The property also includes a shed with electric, offering endless possibilities as a future tiny house, home office, studio, or workshop. A second smaller shed adds even more convenience with washer and dryer hookups. Enjoy the best of both worlds--a private, oversized lot with room to spread out, while being just minutes from the up-and-coming Hernando, FL area, known for its growing selection of shopping, dining, and everyday conveniences. This move-in-ready property offers space, flexibility, and modern comfort in a location that continues to grow in value.

Key facts

• New a c system
• Brand new roof
• Shed with electric

Tags

• EXPANSIVE FRONT PORCH
• UPDATED KITCHEN
• BRAND NEW ROOF
• NEW A C SYSTEM
• SHED WITH ELECTRIC
• WASHER AND DRYER HOOKUPS

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $195k.

Deal economics

• At list price, monthly cash flow is $250 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $190k (2.7% below list).
• Recommended offer: $183k (6.0% below list) — sets the bar for market timing.
• Cap rate 7.8% vs local median 5.6% in Hernando — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 71/100 on livability (#402 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: amenities F, commute F, employment D-.
• 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.
• Market conditions: 444 active listings in the ZIP; 2,443 units permitted in Citrus County in 2024 (0 in 5+ unit buildings).
• This rent runs 40% of the median local income ($57k/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 $1k of loan paydown is wiped out by about $6k 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 85 days — a 6% lower offer ($183k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 2y ago; this cycle's ask has dropped $25k (11%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $36k; list at $195k implies a 449% 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; moderate wildfire risk; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $183,300 (6.0% below list)

Questions for the listing agent

1. It's been on market 85 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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.
5. 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.
6. 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: 0.97% ✗
• Cap rate: 7.83%
• Cash-on-cash: 5.50%
• DSCR: 1.24
• GRM: 8.6

CMA / ARV

• ARV (on-the-fly): $190,080
• Comps found: 2

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1696 E Naperville Ln	0.00mi	3/2.0	1,152 (0%)	0mo	$190,000	$165	100
1690 E Knollwood Ln	0.13mi	2/2.0 (-1)	1,216 (+6%)	17mo	$154,000	$127	65

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

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

5-year hold

• IRR: -7.8%
• Equity multiple: 0.71×
• Total profit: $-15,687
• Equity at exit: $29,075

10-year hold

• IRR: 1.7%
• Equity multiple: 1.12×
• Total profit: $6,741
• Equity at exit: $16,860

Cash invested: $54,600 (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 34442

• Home prices YoY: -21.9%
• Active inventory: 444
• Price-to-rent: 8.6×

Monthly cashflow live

• Estimated rent: $1,898 medium
• Mortgage (P&I): −$1,023
• Tax from tax record: −$145 /mo · $1,743/yr
• Insurance: −$81
• HOA: −$0
• Vacancy / Maint / Mgmt: −$399
• Net cashflow: $250

Break-even live

Break-even rent $1,581

Max offer price $195,000

Occupancy floor 82%

Sensitivity live

Price	-10% $361	-5% $306	+0% $250	+5% $195	+10% $140
Rent	-10% $100	-5% $175	+0% $250	+5% $325	+10% $400
Rate	-1.0pp $349	-0.5pp $300	base $250	+0.5pp $200	+1.0pp $148

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: $48,750
• Closing costs: $5,850
• Reserves months: —
• Total cash needed: —

Listing history 19 events

1. 2026-04-05
   status Pending 1799-char remark

   Show marketing remark (1799 chars)

   BACK ON THE MARKET THROUGH NO FAULT OF THE PROPERTY- BUYERS CIRCUMSTANCES CHANGED. REMODELED GEM YOU DON'T WANT TO MISS!! Discover the perfect blend of privacy, space, and modern updates in this fully remodeled 3-bedroom, 2-bath mobile home situated on over an acre of land. From the moment you arrive, you'll appreciate the fresh exterior paint, updated skirting around the entire home, and the expansive front porch--ideal for relaxing while enjoying peaceful views of the front yard. Inside, the home feels bright and new with fresh interior paint and upgraded laminate flooring throughout. The beautifully updated kitchen features new (2025) cabinets, countertops, and stainless steel appliances, making it both stylish and functional for everyday living and entertaining. Both bathrooms complement the home's modern updates, and the thoughtful layout offers comfortable living space for family or guests. Step out back to the newly installed back porch deck (2025) and take in the serene views of the spacious backyard--perfect for morning coffee, outdoor dining, or simply enjoying the quiet surroundings. Major upgrades include a brand-new roof (2025) and new A/C system (2025), providing peace of mind for years to come. The property also includes a shed with electric, offering endless possibilities as a future tiny house, home office, studio, or workshop. A second smaller shed adds even more convenience with washer and dryer hookups. Enjoy the best of both worlds--a private, oversized lot with room to spread out, while being just minutes from the up-and-coming Hernando, FL area, known for its growing selection of shopping, dining, and everyday conveniences. This move-in-ready property offers space, flexibility, and modern comfort in a location that continues to grow in value.

2. 2026-04-05
   status Pending

   Show marketing remark (1799 chars)

   BACK ON THE MARKET THROUGH NO FAULT OF THE PROPERTY- BUYERS CIRCUMSTANCES CHANGED. REMODELED GEM YOU DON'T WANT TO MISS!! Discover the perfect blend of privacy, space, and modern updates in this fully remodeled 3-bedroom, 2-bath mobile home situated on over an acre of land. From the moment you arrive, you'll appreciate the fresh exterior paint, updated skirting around the entire home, and the expansive front porch--ideal for relaxing while enjoying peaceful views of the front yard. Inside, the home feels bright and new with fresh interior paint and upgraded laminate flooring throughout. The beautifully updated kitchen features new (2025) cabinets, countertops, and stainless steel appliances, making it both stylish and functional for everyday living and entertaining. Both bathrooms complement the home's modern updates, and the thoughtful layout offers comfortable living space for family or guests. Step out back to the newly installed back porch deck (2025) and take in the serene views of the spacious backyard--perfect for morning coffee, outdoor dining, or simply enjoying the quiet surroundings. Major upgrades include a brand-new roof (2025) and new A/C system (2025), providing peace of mind for years to come. The property also includes a shed with electric, offering endless possibilities as a future tiny house, home office, studio, or workshop. A second smaller shed adds even more convenience with washer and dryer hookups. Enjoy the best of both worlds--a private, oversized lot with room to spread out, while being just minutes from the up-and-coming Hernando, FL area, known for its growing selection of shopping, dining, and everyday conveniences. This move-in-ready property offers space, flexibility, and modern comfort in a location that continues to grow in value.

3. 2026-04-04
   price $195,000 1799-char remark

   Show marketing remark (1799 chars)

   BACK ON THE MARKET THROUGH NO FAULT OF THE PROPERTY- BUYERS CIRCUMSTANCES CHANGED. REMODELED GEM YOU DON'T WANT TO MISS!! Discover the perfect blend of privacy, space, and modern updates in this fully remodeled 3-bedroom, 2-bath mobile home situated on over an acre of land. From the moment you arrive, you'll appreciate the fresh exterior paint, updated skirting around the entire home, and the expansive front porch--ideal for relaxing while enjoying peaceful views of the front yard. Inside, the home feels bright and new with fresh interior paint and upgraded laminate flooring throughout. The beautifully updated kitchen features new (2025) cabinets, countertops, and stainless steel appliances, making it both stylish and functional for everyday living and entertaining. Both bathrooms complement the home's modern updates, and the thoughtful layout offers comfortable living space for family or guests. Step out back to the newly installed back porch deck (2025) and take in the serene views of the spacious backyard--perfect for morning coffee, outdoor dining, or simply enjoying the quiet surroundings. Major upgrades include a brand-new roof (2025) and new A/C system (2025), providing peace of mind for years to come. The property also includes a shed with electric, offering endless possibilities as a future tiny house, home office, studio, or workshop. A second smaller shed adds even more convenience with washer and dryer hookups. Enjoy the best of both worlds--a private, oversized lot with room to spread out, while being just minutes from the up-and-coming Hernando, FL area, known for its growing selection of shopping, dining, and everyday conveniences. This move-in-ready property offers space, flexibility, and modern comfort in a location that continues to grow in value.

4. 2026-04-03
   price $195,000
5. 2026-02-17
   price $199,900 1799-char remark

   Show marketing remark (1799 chars)

   BACK ON THE MARKET THROUGH NO FAULT OF THE PROPERTY- BUYERS CIRCUMSTANCES CHANGED. REMODELED GEM YOU DON'T WANT TO MISS!! Discover the perfect blend of privacy, space, and modern updates in this fully remodeled 3-bedroom, 2-bath mobile home situated on over an acre of land. From the moment you arrive, you'll appreciate the fresh exterior paint, updated skirting around the entire home, and the expansive front porch--ideal for relaxing while enjoying peaceful views of the front yard. Inside, the home feels bright and new with fresh interior paint and upgraded laminate flooring throughout. The beautifully updated kitchen features new (2025) cabinets, countertops, and stainless steel appliances, making it both stylish and functional for everyday living and entertaining. Both bathrooms complement the home's modern updates, and the thoughtful layout offers comfortable living space for family or guests. Step out back to the newly installed back porch deck (2025) and take in the serene views of the spacious backyard--perfect for morning coffee, outdoor dining, or simply enjoying the quiet surroundings. Major upgrades include a brand-new roof (2025) and new A/C system (2025), providing peace of mind for years to come. The property also includes a shed with electric, offering endless possibilities as a future tiny house, home office, studio, or workshop. A second smaller shed adds even more convenience with washer and dryer hookups. Enjoy the best of both worlds--a private, oversized lot with room to spread out, while being just minutes from the up-and-coming Hernando, FL area, known for its growing selection of shopping, dining, and everyday conveniences. This move-in-ready property offers space, flexibility, and modern comfort in a location that continues to grow in value.

6. 2026-02-17
   price $199,900

   Show marketing remark (1799 chars)

   BACK ON THE MARKET THROUGH NO FAULT OF THE PROPERTY- BUYERS CIRCUMSTANCES CHANGED. REMODELED GEM YOU DON'T WANT TO MISS!! Discover the perfect blend of privacy, space, and modern updates in this fully remodeled 3-bedroom, 2-bath mobile home situated on over an acre of land. From the moment you arrive, you'll appreciate the fresh exterior paint, updated skirting around the entire home, and the expansive front porch--ideal for relaxing while enjoying peaceful views of the front yard. Inside, the home feels bright and new with fresh interior paint and upgraded laminate flooring throughout. The beautifully updated kitchen features new (2025) cabinets, countertops, and stainless steel appliances, making it both stylish and functional for everyday living and entertaining. Both bathrooms complement the home's modern updates, and the thoughtful layout offers comfortable living space for family or guests. Step out back to the newly installed back porch deck (2025) and take in the serene views of the spacious backyard--perfect for morning coffee, outdoor dining, or simply enjoying the quiet surroundings. Major upgrades include a brand-new roof (2025) and new A/C system (2025), providing peace of mind for years to come. The property also includes a shed with electric, offering endless possibilities as a future tiny house, home office, studio, or workshop. A second smaller shed adds even more convenience with washer and dryer hookups. Enjoy the best of both worlds--a private, oversized lot with room to spread out, while being just minutes from the up-and-coming Hernando, FL area, known for its growing selection of shopping, dining, and everyday conveniences. This move-in-ready property offers space, flexibility, and modern comfort in a location that continues to grow in value.

7. 2026-02-09
   status Active 1799-char remark

   Show marketing remark (1799 chars)

   BACK ON THE MARKET THROUGH NO FAULT OF THE PROPERTY- BUYERS CIRCUMSTANCES CHANGED. REMODELED GEM YOU DON'T WANT TO MISS!! Discover the perfect blend of privacy, space, and modern updates in this fully remodeled 3-bedroom, 2-bath mobile home situated on over an acre of land. From the moment you arrive, you'll appreciate the fresh exterior paint, updated skirting around the entire home, and the expansive front porch--ideal for relaxing while enjoying peaceful views of the front yard. Inside, the home feels bright and new with fresh interior paint and upgraded laminate flooring throughout. The beautifully updated kitchen features new (2025) cabinets, countertops, and stainless steel appliances, making it both stylish and functional for everyday living and entertaining. Both bathrooms complement the home's modern updates, and the thoughtful layout offers comfortable living space for family or guests. Step out back to the newly installed back porch deck (2025) and take in the serene views of the spacious backyard--perfect for morning coffee, outdoor dining, or simply enjoying the quiet surroundings. Major upgrades include a brand-new roof (2025) and new A/C system (2025), providing peace of mind for years to come. The property also includes a shed with electric, offering endless possibilities as a future tiny house, home office, studio, or workshop. A second smaller shed adds even more convenience with washer and dryer hookups. Enjoy the best of both worlds--a private, oversized lot with room to spread out, while being just minutes from the up-and-coming Hernando, FL area, known for its growing selection of shopping, dining, and everyday conveniences. This move-in-ready property offers space, flexibility, and modern comfort in a location that continues to grow in value.

8. 2026-02-09
   status Active

   Show marketing remark (1799 chars)

   BACK ON THE MARKET THROUGH NO FAULT OF THE PROPERTY- BUYERS CIRCUMSTANCES CHANGED. REMODELED GEM YOU DON'T WANT TO MISS!! Discover the perfect blend of privacy, space, and modern updates in this fully remodeled 3-bedroom, 2-bath mobile home situated on over an acre of land. From the moment you arrive, you'll appreciate the fresh exterior paint, updated skirting around the entire home, and the expansive front porch--ideal for relaxing while enjoying peaceful views of the front yard. Inside, the home feels bright and new with fresh interior paint and upgraded laminate flooring throughout. The beautifully updated kitchen features new (2025) cabinets, countertops, and stainless steel appliances, making it both stylish and functional for everyday living and entertaining. Both bathrooms complement the home's modern updates, and the thoughtful layout offers comfortable living space for family or guests. Step out back to the newly installed back porch deck (2025) and take in the serene views of the spacious backyard--perfect for morning coffee, outdoor dining, or simply enjoying the quiet surroundings. Major upgrades include a brand-new roof (2025) and new A/C system (2025), providing peace of mind for years to come. The property also includes a shed with electric, offering endless possibilities as a future tiny house, home office, studio, or workshop. A second smaller shed adds even more convenience with washer and dryer hookups. Enjoy the best of both worlds--a private, oversized lot with room to spread out, while being just minutes from the up-and-coming Hernando, FL area, known for its growing selection of shopping, dining, and everyday conveniences. This move-in-ready property offers space, flexibility, and modern comfort in a location that continues to grow in value.

9. 2026-02-04
   status Pending 1799-char remark

   Show marketing remark (1799 chars)

   BACK ON THE MARKET THROUGH NO FAULT OF THE PROPERTY- BUYERS CIRCUMSTANCES CHANGED. REMODELED GEM YOU DON'T WANT TO MISS!! Discover the perfect blend of privacy, space, and modern updates in this fully remodeled 3-bedroom, 2-bath mobile home situated on over an acre of land. From the moment you arrive, you'll appreciate the fresh exterior paint, updated skirting around the entire home, and the expansive front porch--ideal for relaxing while enjoying peaceful views of the front yard. Inside, the home feels bright and new with fresh interior paint and upgraded laminate flooring throughout. The beautifully updated kitchen features new (2025) cabinets, countertops, and stainless steel appliances, making it both stylish and functional for everyday living and entertaining. Both bathrooms complement the home's modern updates, and the thoughtful layout offers comfortable living space for family or guests. Step out back to the newly installed back porch deck (2025) and take in the serene views of the spacious backyard--perfect for morning coffee, outdoor dining, or simply enjoying the quiet surroundings. Major upgrades include a brand-new roof (2025) and new A/C system (2025), providing peace of mind for years to come. The property also includes a shed with electric, offering endless possibilities as a future tiny house, home office, studio, or workshop. A second smaller shed adds even more convenience with washer and dryer hookups. Enjoy the best of both worlds--a private, oversized lot with room to spread out, while being just minutes from the up-and-coming Hernando, FL area, known for its growing selection of shopping, dining, and everyday conveniences. This move-in-ready property offers space, flexibility, and modern comfort in a location that continues to grow in value.

10. 2026-02-04
    status Pending

    Show marketing remark (1799 chars)

    BACK ON THE MARKET THROUGH NO FAULT OF THE PROPERTY- BUYERS CIRCUMSTANCES CHANGED. REMODELED GEM YOU DON'T WANT TO MISS!! Discover the perfect blend of privacy, space, and modern updates in this fully remodeled 3-bedroom, 2-bath mobile home situated on over an acre of land. From the moment you arrive, you'll appreciate the fresh exterior paint, updated skirting around the entire home, and the expansive front porch--ideal for relaxing while enjoying peaceful views of the front yard. Inside, the home feels bright and new with fresh interior paint and upgraded laminate flooring throughout. The beautifully updated kitchen features new (2025) cabinets, countertops, and stainless steel appliances, making it both stylish and functional for everyday living and entertaining. Both bathrooms complement the home's modern updates, and the thoughtful layout offers comfortable living space for family or guests. Step out back to the newly installed back porch deck (2025) and take in the serene views of the spacious backyard--perfect for morning coffee, outdoor dining, or simply enjoying the quiet surroundings. Major upgrades include a brand-new roof (2025) and new A/C system (2025), providing peace of mind for years to come. The property also includes a shed with electric, offering endless possibilities as a future tiny house, home office, studio, or workshop. A second smaller shed adds even more convenience with washer and dryer hookups. Enjoy the best of both worlds--a private, oversized lot with room to spread out, while being just minutes from the up-and-coming Hernando, FL area, known for its growing selection of shopping, dining, and everyday conveniences. This move-in-ready property offers space, flexibility, and modern comfort in a location that continues to grow in value.

11. 2026-01-26
    price $209,900 1799-char remark

    Show marketing remark (1799 chars)

    BACK ON THE MARKET THROUGH NO FAULT OF THE PROPERTY- BUYERS CIRCUMSTANCES CHANGED. REMODELED GEM YOU DON'T WANT TO MISS!! Discover the perfect blend of privacy, space, and modern updates in this fully remodeled 3-bedroom, 2-bath mobile home situated on over an acre of land. From the moment you arrive, you'll appreciate the fresh exterior paint, updated skirting around the entire home, and the expansive front porch--ideal for relaxing while enjoying peaceful views of the front yard. Inside, the home feels bright and new with fresh interior paint and upgraded laminate flooring throughout. The beautifully updated kitchen features new (2025) cabinets, countertops, and stainless steel appliances, making it both stylish and functional for everyday living and entertaining. Both bathrooms complement the home's modern updates, and the thoughtful layout offers comfortable living space for family or guests. Step out back to the newly installed back porch deck (2025) and take in the serene views of the spacious backyard--perfect for morning coffee, outdoor dining, or simply enjoying the quiet surroundings. Major upgrades include a brand-new roof (2025) and new A/C system (2025), providing peace of mind for years to come. The property also includes a shed with electric, offering endless possibilities as a future tiny house, home office, studio, or workshop. A second smaller shed adds even more convenience with washer and dryer hookups. Enjoy the best of both worlds--a private, oversized lot with room to spread out, while being just minutes from the up-and-coming Hernando, FL area, known for its growing selection of shopping, dining, and everyday conveniences. This move-in-ready property offers space, flexibility, and modern comfort in a location that continues to grow in value.

12. 2026-01-26
    price $209,900

    Show marketing remark (1799 chars)

    BACK ON THE MARKET THROUGH NO FAULT OF THE PROPERTY- BUYERS CIRCUMSTANCES CHANGED. REMODELED GEM YOU DON'T WANT TO MISS!! Discover the perfect blend of privacy, space, and modern updates in this fully remodeled 3-bedroom, 2-bath mobile home situated on over an acre of land. From the moment you arrive, you'll appreciate the fresh exterior paint, updated skirting around the entire home, and the expansive front porch--ideal for relaxing while enjoying peaceful views of the front yard. Inside, the home feels bright and new with fresh interior paint and upgraded laminate flooring throughout. The beautifully updated kitchen features new (2025) cabinets, countertops, and stainless steel appliances, making it both stylish and functional for everyday living and entertaining. Both bathrooms complement the home's modern updates, and the thoughtful layout offers comfortable living space for family or guests. Step out back to the newly installed back porch deck (2025) and take in the serene views of the spacious backyard--perfect for morning coffee, outdoor dining, or simply enjoying the quiet surroundings. Major upgrades include a brand-new roof (2025) and new A/C system (2025), providing peace of mind for years to come. The property also includes a shed with electric, offering endless possibilities as a future tiny house, home office, studio, or workshop. A second smaller shed adds even more convenience with washer and dryer hookups. Enjoy the best of both worlds--a private, oversized lot with room to spread out, while being just minutes from the up-and-coming Hernando, FL area, known for its growing selection of shopping, dining, and everyday conveniences. This move-in-ready property offers space, flexibility, and modern comfort in a location that continues to grow in value.

13. 2026-01-05
    listed $220,000 Active 1799-char remark

    Show marketing remark (1799 chars)

    BACK ON THE MARKET THROUGH NO FAULT OF THE PROPERTY- BUYERS CIRCUMSTANCES CHANGED. REMODELED GEM YOU DON'T WANT TO MISS!! Discover the perfect blend of privacy, space, and modern updates in this fully remodeled 3-bedroom, 2-bath mobile home situated on over an acre of land. From the moment you arrive, you'll appreciate the fresh exterior paint, updated skirting around the entire home, and the expansive front porch--ideal for relaxing while enjoying peaceful views of the front yard. Inside, the home feels bright and new with fresh interior paint and upgraded laminate flooring throughout. The beautifully updated kitchen features new (2025) cabinets, countertops, and stainless steel appliances, making it both stylish and functional for everyday living and entertaining. Both bathrooms complement the home's modern updates, and the thoughtful layout offers comfortable living space for family or guests. Step out back to the newly installed back porch deck (2025) and take in the serene views of the spacious backyard--perfect for morning coffee, outdoor dining, or simply enjoying the quiet surroundings. Major upgrades include a brand-new roof (2025) and new A/C system (2025), providing peace of mind for years to come. The property also includes a shed with electric, offering endless possibilities as a future tiny house, home office, studio, or workshop. A second smaller shed adds even more convenience with washer and dryer hookups. Enjoy the best of both worlds--a private, oversized lot with room to spread out, while being just minutes from the up-and-coming Hernando, FL area, known for its growing selection of shopping, dining, and everyday conveniences. This move-in-ready property offers space, flexibility, and modern comfort in a location that continues to grow in value.

14. 2026-01-05
    listed $220,000 Active

    Show marketing remark (1799 chars)

    BACK ON THE MARKET THROUGH NO FAULT OF THE PROPERTY- BUYERS CIRCUMSTANCES CHANGED. REMODELED GEM YOU DON'T WANT TO MISS!! Discover the perfect blend of privacy, space, and modern updates in this fully remodeled 3-bedroom, 2-bath mobile home situated on over an acre of land. From the moment you arrive, you'll appreciate the fresh exterior paint, updated skirting around the entire home, and the expansive front porch--ideal for relaxing while enjoying peaceful views of the front yard. Inside, the home feels bright and new with fresh interior paint and upgraded laminate flooring throughout. The beautifully updated kitchen features new (2025) cabinets, countertops, and stainless steel appliances, making it both stylish and functional for everyday living and entertaining. Both bathrooms complement the home's modern updates, and the thoughtful layout offers comfortable living space for family or guests. Step out back to the newly installed back porch deck (2025) and take in the serene views of the spacious backyard--perfect for morning coffee, outdoor dining, or simply enjoying the quiet surroundings. Major upgrades include a brand-new roof (2025) and new A/C system (2025), providing peace of mind for years to come. The property also includes a shed with electric, offering endless possibilities as a future tiny house, home office, studio, or workshop. A second smaller shed adds even more convenience with washer and dryer hookups. Enjoy the best of both worlds--a private, oversized lot with room to spread out, while being just minutes from the up-and-coming Hernando, FL area, known for its growing selection of shopping, dining, and everyday conveniences. This move-in-ready property offers space, flexibility, and modern comfort in a location that continues to grow in value.

15. 2024-10-24
    soldstatus $35,500 Closed 39-char remark

    Show marketing remark (39 chars)

    Needs work!!! Huge property-1.25 Acres.

16. 2024-10-15
    status Pending 39-char remark

    Show marketing remark (39 chars)

    Needs work!!! Huge property-1.25 Acres.

17. 2024-10-02
    listed $49,900 Active 39-char remark

    Show marketing remark (39 chars)

    Needs work!!! Huge property-1.25 Acres.

18. 2001-05-07
    soldstatus $40,500
19. 1998-05-12
    soldstatus $38,000

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

Tax reassessment forecast FL · Resets to sale price

• Current annual tax: $1,743 · $145/mo
• Projected year-2 tax: $1,743 · $145/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 9/10 Extreme 7 d/yr ≥108°F today · 23 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,776
• − Mortgage interest: −$10,923
• − Property taxes: −$1,743
• − Insurance: −$975
• − Repairs & maintenance: −$1,822
• − Management: −$1,822
• − Depreciation: −$5,673
• Taxable loss: −$182
• Est. tax savings @ 24.0%: +$44
• After-tax cash flow: $3,048/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 — Hernando

• Score: 71/100
• State rank: #402
• US rank: #7137

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Hernando, FL
• County: Citrus County · 111,314 people
• City population: 17,281
• Metro: Homosassa Springs, FL
• Population (ZIP): 17,281
• Household income: $57,259
• Rent vs Own: 12.9% rent · 87.1% own
• Severe rent burden: 314.0

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 (90%)
• Race & ethnicity: White 90% Hispanic / Latino 4% Two or more races 3% Asian 2% Black 2%
• Common ancestry: Romanian 4% Slovak 4% Lithuanian 3%
• Foreign-born: 8% · Canada, China, South Korea
• Languages at home: 93% English-only · Spanish 3% German/W. Germanic 2% Tagalog/Filipino 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: ▼ -76.70%
• Current HPI: 273.3262
• 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

+413.2% since first listed

19 events — show timeline

• 2026-04-05 Pending — HCAR
• 2026-04-05 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-04-04 Price Changed $195,000 HCAR
• 2026-04-03 Price Changed $195,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-17 Price Changed $199,900 HCAR
• 2026-02-17 Price Changed $199,900 Stellar MLS as Distributed by MLS Grid
• 2026-02-09 Relisted — HCAR
• 2026-02-09 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-02-04 Pending — HCAR
• 2026-02-04 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-01-26 Price Changed $209,900 HCAR
• 2026-01-26 Price Changed $209,900 Stellar MLS as Distributed by MLS Grid
• 2026-01-05 Listed $220,000 HCAR
• 2026-01-05 Listed $220,000 Stellar MLS as Distributed by MLS Grid
• 2024-10-24 Sold (MLS) $35,500 Stellar MLS as Distributed by MLS Grid
• 2024-10-15 Pending — Stellar MLS as Distributed by MLS Grid
• 2024-10-02 Listed $49,900 Stellar MLS as Distributed by MLS Grid
• 2001-05-07 Sold (Public Records) $40,500 Public Records
• 1998-05-12 Sold (Public Records) $38,000 Public Records

Property tax history

+24.2%/yr

Latest (2025): $1,743 · +654.9% YoY. Source: county tax records.