20 Gingerwood DRIVE, HOMOSASSA, FL, 34446
Active72 days on marketListed Aug 1, 2026MLS #CC856601
About this home
20 Gingerwood DRIVE
Experience this beautifully maintained Arthur Rutenberg pool home overlooking the 11th fairway of Citrus National Golf Course. Offering 2,761 square feet, this custom-built home blends thoughtful architecture with extensive updates and meticulously maintained systems. The well-designed split floor plan offers a dedicated office, formal living and dining spaces, and a spacious family room with a gas fireplace. The kitchen is both functional and inviting with Corian countertops, Merillat cabinetry, GE Profile appliances, a breakfast bar, pantry, and casual dining area. Throughout the home, plantation shutters, LED lighting, central vacuum, and quality finishes reflect the home's attention to detail. Wood flooring extends through the office, family room, and guest bedrooms, while the primary suite features a new shower enclosure. Outdoor living includes a screened pool resurfaced in 2026, a fully equipped outdoor kitchen, and mature landscaping supported by a dedicated irrigation well. The spacious three-car garage includes retractable screen doors and attic flooring for additional storage. Recent improvements include a new roof (2021), two Amana HVAC systems (2020), GE Profile kitchen appliances (2020), gas water heater (2024), pool pump (2022), gutters (2021), whole-house water filtration system, water softener, interior and exterior paint, security camera system, and numerous landscape and drainage enhancements. Located within the highly desirable Southern Woods community, this meticulously maintained custom home offers the confidence of major system updates already completed and is a rare opportunity to own an exceptional Arthur Rutenberg home.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,761
Sqft
0.46 ac
Lot size
3
Garage
2000
Year built
One
Levels
$201
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 and the real association fee — not generic estimates.
$4,056 /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
$4,056/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
+18.5%
$/sqft vs Homosassa actives
$201 vs $174
Days on market
72 vs 92 typical
Where $201/sqft sits among the 316 Homosassa 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 Homosassa
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Homosassa. See the full Homosassa guide →
HOMOSASSA 34446 — neighborhood snapshot
Population
18,797
Median age
61
Median income
$60,625
Median home value
$231,700
Avg household
2.19
Households w/ children
1,261
For the school run
Citrus County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Homosassa market
$314K → $295K
Homosassa median sold, yr/yr
95.9%
Sale-to-list ratio (12 mo)
119 of 316
Homosassa actives have cut their price
Median sold price, Homosassa, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 106% above the HOMOSASSA 34446 median. See the full Homosassa market guide →
Paper trail
This home's history
Reality check
What actually sold near 20 Gingerwood DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$445,000
19 RYEWOOD CIRCLE
4 bd · 3 ba · 2,722 sqft · $163/sqft · 140 DOM
Sold · Nov ’25$585,000
27 Woodfield CIRCLE
4 bd · 3 ba · 2,668 sqft · $219/sqft · 14 DOM
Sold · Mar ’26$570,000
31 RYEWOOD CIRCLE
4 bd · 2 ba · 2,640 sqft · $216/sqft · 8 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
Pedro Ribeiro Gloria
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 20 Gingerwood DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20 Gingerwood DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Pedro's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
20 Gingerwood DRIVE FAQs
What would the monthly payment be for 20 Gingerwood DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,056/mo — principal and interest, the actual property-tax bill, the $74/mo association fee 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.
How much are the HOA fees at 20 Gingerwood DRIVE?+
The association fee works out to $74 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 20 Gingerwood DRIVE?+
The most recent tax bill on record (2025) was $3,706. 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 $555,000, this home is listed about 67% above the Homosassa median of $332,195. The market section on this page shows how the area is trending.
Which schools are assigned to 20 Gingerwood DRIVE?+
Lecanto High School (high), Lecanto Primary School (elementary), Lecanto Middle School (middle) — Citrus County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER NEXT GENERATIO · Pamela Pareja. MLS #CC856601.
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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