5102 AYRSHIRE DRIVE, SPRING HILL, FL, 34609
Active2 days on marketListed Sep 2, 2026MLS #J1004704
About this home
5102 AYRSHIRE DRIVE
Get ready to fall in love with this beautifully maintained 3 bedroom, 2 bath home in the gated Sterling Hill community! Offering 1,604 sq. ft. of inviting living space and a BRAND NEW ROOF, this home combines comfort, convenience, and incredible community amenities. From the moment you step inside, you’ll appreciate the bright, open feel, spacious living areas, generously sized bedrooms, functional layout, and pride of ownership throughout. The home’s exceptional condition makes it truly move in ready! Living in Sterling Hill means enjoying resort style amenities right outside your door, including two clubhouses, swimming pools, fitness facilities, tennis and basketball courts, playgrounds, a splash pad, volleyball, dog park, billiards, and more! For added peace of mind, a pre listing inspection has already been completed. Gated community, brand new roof, beautiful condition, and fantastic amenities make this home an opportunity you will not want to miss! Schedule your private showing today and see everything this Sterling Hill home has to offer!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,604
Sqft
0.17 ac
Lot size
25
Garage
2005
Year built
One
Levels
$181
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.
$2,483 /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
$2,483/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
+6.1%
$/sqft vs STERLING HILL PH 1A
$181 vs $162
Days on market
2 vs 43 typical
Where $181/sqft sits among the 6 homes for sale in STERLING HILL PH 1A
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 Spring Hill
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Spring Hill. See the full Spring Hill guide →
SPRING HILL 34609 — neighborhood snapshot
Population
46,066
Median age
44.8
Median income
$79,284
Median home value
$275,900
Avg household
2.7
Households w/ children
5,105
For the school run
Hernando County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Spring Hill market
$320K → $315K
Spring Hill median sold, yr/yr
97.9%
Sale-to-list ratio (12 mo)
4 of 6
STERLING HILL PH 1A have cut their price
Median sold price, Spring Hill, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 13% below the SPRING HILL 34609 median. See the full Spring Hill market guide →
Paper trail
This home's history
Reality check
What actually sold near 5102 AYRSHIRE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$276,900
4737 AYRSHIRE DRIVE · same community
3 bd · 2 ba · 1,600 sqft · $173/sqft · 147 DOM
Sold · Nov ’25$275,000
5032 GLENBURNE DRIVE · same community
3 bd · 2 ba · 1,436 sqft · $192/sqft · 23 DOM
Sold · Oct ’25$288,000
5293 AYRSHIRE DRIVE · same community
4 bd · 3 ba · 1,806 sqft · $159/sqft · 58 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 5102 AYRSHIRE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5102 AYRSHIRE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5102 AYRSHIRE DRIVE FAQs
What would the monthly payment be for 5102 AYRSHIRE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,483/mo — principal and interest, the actual property-tax bill, the $13/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 5102 AYRSHIRE DRIVE?+
The association fee works out to $13 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5102 AYRSHIRE DRIVE?+
The most recent tax bill on record (2025) was $5,703. 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 5102 AYRSHIRE 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 Spring Hill?+
At $289,900, this home is listed about 15% below the Spring Hill median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5102 AYRSHIRE DRIVE?+
Frank W. Springstead High School (high), John D. Floyd Elementary School (elementary), Powell Middle School (middle) — Hernando County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of STELLAR NON-MEMBER OFFICE · Non-Member Agent. MLS #J1004704.
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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