4414 E Shorewood DRIVE, HERNANDO, FL, 34442
Active224 days on marketListed Mar 3, 2026MLS #CC852808
About this home
4414 E Shorewood DRIVE
A true waterfront standout—jaw-dropping views, sunset magic, and your own private dock with built-in seating. The versatile third bedroom with private entrance is ideal for guests, a studio, or rental freedom. Enjoy the inviting fireplace on cool nights and the confidence of a long-lasting metal roof. Bring the airboats, fishing gear, kayaks, and toys—this property is built for real Florida living, where every day feels like a getaway.
Facts & features
The home at a glance
3
Bedrooms
1.5
Bathrooms
1,404
Sqft
0.32 ac
Lot size
1981
Year built
One
Levels
$178
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$1,837 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,837/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−15.9%
$/sqft vs Hernando actives
$178 vs $200
Days on market
224 vs 68 typical
Where $178/sqft sits among the 134 Hernando actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Hernando
Get to know Hernando. See the full Hernando guide →
HERNANDO 34442 — neighborhood snapshot
Population
16,356
Median age
65.7
Median income
$55,473
Median home value
$295,900
Avg household
2.03
Households w/ children
868
For the school run
Citrus County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Hernando market
$326K → $349K
Hernando median sold, yr/yr
95.0%
Sale-to-list ratio (12 mo)
47 of 134
Hernando actives have cut their price
Median sold price, Hernando, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 9% below the HERNANDO 34442 median. See the full Hernando market guide →
Paper trail
This home's history
Reality check
What actually sold near 4414 E Shorewood DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$398,000
6310 N Keel DRIVE
2 bd · 2 ba · 1,455 sqft · $274/sqft · 26 DOM
Sold · Apr ’26$180,000
6978 N PALMER WAY
3 bd · 2 ba · 1,352 sqft · $133/sqft · 4 DOM
Sold · Jun ’26$133,000
6088 N Speckled Perch TERRACE
2 bd · 2 ba · 1,336 sqft · $100/sqft · 69 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 4414 E Shorewood DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4414 E Shorewood DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4414 E Shorewood DRIVE FAQs
What would the monthly payment be for 4414 E Shorewood DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,837/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 4414 E Shorewood DRIVE?+
The most recent tax bill on record (2025) was $1,140. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Hernando?+
At $249,900, this home is listed about 32% below the Hernando median of $369,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4414 E Shorewood DRIVE?+
Citrus Springs Middle School (middle), Central Ridge Elementary School (elementary), Citrus High School (high) — Citrus County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the HERNANDO 34442 market on paper
$249,900 is 9% below the HERNANDO 34442 median of $275,000, and at $178/sqft it sits under the Hernando average of $218.
02Time on market is leverage
224 days on market against a Hernando median of 68 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $274,900, now $249,900 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of TROPIC SHORES REALTY · Gerard Bovee. MLS #CC852808.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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