CENTURY 21 Edge
$795,000$799,0005 bd5 ba3,751 sqft$212 /sqft≈$5,282 /mo all-in ↓

12409 W Standish DRIVE, HOMOSASSA, FL, 34448

Active104 days on marketListed Jul 1, 2026MLS #CC856061

✦ Reduced $4KSingle Family Residence

About this home

12409 W Standish DRIVE

Welcome to THE STANDISH, a fully furnished 5-bedroom, 5-bath residence in the heart of Old Homosassa offering 3,751 square feet, beautiful water views, and an incredibly versatile floor plan. Now successfully operating as a vacation rental, the home can be enjoyed as one expansive residence or configured for separate living accommodations - ideal for multi-generational living, guests, or continued rental use. A separate exterior entrance leads to a fully equipped apartment with its own kitchen, living area, sunroom, bedroom, and full bath. An adjoining bedroom can remain with the main residence or be incorporated into the apartment, allowing it to function as either a one- or two-bedroom space. The main home offers multiple gathering areas across three levels, including a spacious third-floor family room, bedroom, and full bath. Recent improvements include new flooring in the apartment kitchen, bath, and sunroom, a 5-ton HVAC system (2025), 66-gallon commercial water heater (2024), updated electrical and plumbing, newer main-kitchen appliances, and a metal roof (2015).Located on a corner lot in a golf cart-friendly community, The Standish is just minutes from Old Homosassa's waterfront restaurants, marinas, shops, and entertainment. Launch from the nearby Mason Creek public boat ramp and reach the Homosassa River in less than 10 minutes or the Gulf in approximately 20 for fishing, scalloping, boating, kayaking, snorkeling, and more. The property also includes 1/3 ownership of the strip of land directly across the street, providing waterfront viewing and water access. With its furnishings included, established vacation-rental use, flexible layout, and location in the heart of Old Homosassa, The Standish offers a unique opportunity for both personal enjoyment and income potential.

Facts & features

The home at a glance

5

Bedrooms

5

Bathrooms

3,751

Sqft

0.23 ac

Lot size

2

Garage

1986

Year built

Two

Levels

$212

Per sqft

Inside

FlooringTile · Laminate
AppliancesDishwasher · Dryer · Microwave · Range · Refrigerator · Washer · Other
InteriorStone Counters · Split Bedroom · Walk-In Closet(s) · Solid Wood Cabinets
CoolingCentral Air
HeatingHeat Pump

Outside & construction

RoofMetal
ConstructionBlock · Vinyl Siding
FoundationSlab
ParkingDriveway

Community & fees

Taxes (2025)$6,412/yr

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.

$5,282 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,290
PMI (est., until 20% equity)$298
Property tax — 2025 actual bill$534
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $79,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $79,500
Interest rate6.00%
Loan term

Estimated payment

$5,282/mo

Principal & interest$4,290
PMI (est., until 20% equity)$298
Property taxes (actual bill)$534
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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.

List $795K
$763KedgeAI estimate $1,315,544 · range $1.2M–$1.4M$1.4M

vs edgeAI estimate

−39.6%

$/sqft vs Homosassa actives

$212 vs $173

Days on market

104 vs 90 typical

Where $212/sqft sits among the 319 Homosassa actives

100
118
45 · this home
15
15
26
$111–152$152–194$194–235$235–276$276–318$318+

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 Homosassa

Get to know Homosassa. See the full Homosassa guide →

HOMOSASSA 34448 — neighborhood snapshot

Population

10,741

Median age

56

Median income

$47,526

Median home value

$166,000

Avg household

2.28

Households w/ children

866

For the school run

Citrus County School District

ElementaryHomosassa Elementary School★★★★★
MiddleCrystal River Middle School★★★★★
HighCrystal River High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Homosassa market

Seller’s marketBalanced — 6.8 months of inventoryBuyer’s market

$314K → $295K

Homosassa median sold, yr/yr

95.9%

Sale-to-list ratio (12 mo)

118 of 319

Homosassa actives have cut their price

Median sold price, Homosassa, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 320% above the HOMOSASSA 34448 median. See the full Homosassa market guide →

Paper trail

This home's history

CurrentPrice reduced to $795,000 ▼ $4K
Jul 1, 2026Listed at $799,000 · 104 days on market since
1986Built

Reality check

What actually sold near 12409 W Standish DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

6730 S BEAGLE DRIVESold · Aug ’26

$1,225,000

6730 S BEAGLE DRIVE

5 bd · 4 ba · 2,988 sqft · $410/sqft · 79 DOM

6618 S BEAGLE DRIVESold · Sep ’26

$474,999

6618 S BEAGLE DRIVE

4 bd · 3 ba · 2,376 sqft · $200/sqft · 51 DOM

5475 S ISLAND DRIVESold · Jun ’26

$1,075,000

5475 S ISLAND DRIVE

4 bd · 2 ba · 2,232 sqft · $482/sqft · 0 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.

Leila Sabat

Your agent

Leila Sabat

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 12409 W Standish DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 12409 W Standish DRIVE — before you fall in love.

See it in person

Schedule a tour

Live availability from Leila's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

12409 W Standish DRIVE FAQs

What would the monthly payment be for 12409 W Standish DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,282/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 12409 W Standish DRIVE?+

The most recent tax bill on record (2025) was $6,412. 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 Homosassa?+

At $795,000, this home is listed about 141% above the Homosassa median of $329,450. The market section on this page shows how the area is trending.

Which schools are assigned to 12409 W Standish DRIVE?+

Homosassa Elementary School (elementary), Crystal River Middle School (middle), Crystal River High School (high) — Citrus County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of REMAX REALTY ONE · Laura Bush. MLS #CC856061.

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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