4824 E Harvard DRIVE, HERNANDO, FL, 34442
Active2 days on marketListed Oct 10, 2026MLS #CC858422
About this home
4824 E Harvard DRIVE
One or more photo(s) has been virtually staged. AFFORDABLE, ADORABLE & FULL OF CHARM! Welcome home to this cozy, updated retreat offering the perfect blend of comfort, functionality, and Florida living! Situated on a spacious 0.45-acre homesite, this charming home proves that great things really do come in small packages! With 788 of living space, you'll appreciate the thoughtful layout, fresh updates throughout, and inviting atmosphere that makes this home feel just right. Step inside to discover beautiful updated flooring, a refreshed kitchen featuring stylish cabinetry, stainless steel appliances, and a charming breakfast nook perfect for your morning coffee. Additional features include window blinds, convenient interior laundry, and a 2023 A/C for added peace of mind. Outside, you'll find even more to love! The metal roof, covered carport, and screened porch add both practicality and appeal. Enjoy relaxing outdoors, entertaining friends, or simply taking in the peaceful surroundings. With nearly half an acre, there's plenty of room to spread out, garden, or enjoy your outdoor hobbies! LOVE THE WATER? You're conveniently located near beautiful Lake Hernando and public boat ramps, making it easy to spend your days fishing, boating, or exploring Florida's natural beauty. Whether you're searching for your first home, looking to downsize, or dreaming of an affordable Florida getaway, this little gem offers BIG possibilities without the BIG price tag! VirtuallyStaged.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
788
Sqft
0.45 ac
Lot size
1959
Year built
One
Levels
$190
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.
$1,232 /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
$1,232/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
+2.9%
$/sqft vs Hernando actives
$190 vs $200
Days on market
2 vs 68 typical
Where $190/sqft sits among the 135 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 135
Hernando actives have cut their price
Median sold price, Hernando, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 45% below the HERNANDO 34442 median. See the full Hernando market guide →
Paper trail
This home's history
Reality check
What actually sold near 4824 E Harvard DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$83,000
1635 N Arkansas TERRACE
2 bd · 1.5 ba · 784 sqft · $106/sqft · 74 DOM
Sold · Apr ’26$123,000
1805 N PAUL DRIVE
2 bd · 1.5 ba · 784 sqft · $157/sqft · 72 DOM
Sold · Apr ’26$79,000
2778 N Rutgers TERRACE
2 bd · 1 ba · 784 sqft · $101/sqft · 70 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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 4824 E Harvard DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4824 E Harvard DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4824 E Harvard DRIVE FAQs
What would the monthly payment be for 4824 E Harvard DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,232/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 4824 E Harvard DRIVE?+
The most recent tax bill on record (2025) was $1,480. 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 $149,900, this home is listed about 59% below the Hernando median of $365,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4824 E Harvard 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.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY - ELITE PARTNERS II · Tomika Spires-Hanssen. MLS #CC858422.
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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