8860 N AMBOY DRIVE, CITRUS SPRINGS, FL, 34433
Active7 days on marketListed Nov 5, 2026MLS #CC870057
About this home
8860 N AMBOY DRIVE
This Citrus Springs charmer offers all the features you dreamed of without the need to custom build! This 2/2/2 rare find with over 1,700 sq. ft. includes a generously sized bonus room/den, 2 additional fully fenced lots (for a total .78 acres), a large in-ground pool and screened lanai accentuated by gorgeous pavers, a separate enclosed patio, solar panels, an ever-desirable cozy wood-burning fireplace, a luxurious walk-in tub and a bidet in the guest bath, a greenhouse, and storage sheds to house all your hobbies! A metal roof was installed in 2018, a new A/C and water heater both in 2020, and the solar panels are owned outright, giving the new lucky owners peace of mind for years to come. From the captivating mature oaks in the front to the expansive yard in the back, and all the seasonal comforts in between, this home is just waiting for you to make it your own!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,704
Sqft
0.78 ac
Lot size
2
Garage
1988
Year built
One
Levels
$173
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.
$2,418 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$2,418/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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.
$/sqft vs Citrus Springs actives
$173 vs $170
Days on market
7 vs 60 typical
Where $173/sqft sits among the 282 Citrus Springs 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.
The numbers that matter
The Citrus Springs market
$263K → $262K
Citrus Springs median sold, yr/yr
98.8%
Sale-to-list ratio (12 mo)
113 of 282
Citrus Springs actives have cut their price
Median sold price, Citrus Springs, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 7% above the Citrus Springs median. See the full Citrus Springs market guide →
Paper trail
This home's history
Reality check
What actually sold near 8860 N AMBOY DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$289,000
8890 N AMBOY DRIVE UNIT 27 · same community
3 bd · 3 ba · 2,420 sqft · $119/sqft · 155 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
Emanuel Marin Maldonado
Real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 8860 N AMBOY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8860 N AMBOY DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Emanuel's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
8860 N AMBOY DRIVE FAQs
What would the monthly payment be for 8860 N AMBOY DRIVE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,418/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 8860 N AMBOY DRIVE?+
The most recent tax bill on record (2025) was $1,228. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 8860 N AMBOY DRIVE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Citrus Springs?+
At $295,000, this home is listed about 7% above the Citrus Springs median of $275,000. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of TROPIC SHORES REALTY · Alyssa Barr. MLS #CC870057.
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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