10838 N OCEAN DRIVE, CITRUS SPRINGS, FL, 34434
Active65 days on marketListed Sep 8, 2026MLS #O6440094
About this home
10838 N OCEAN DRIVE
Prime Vacant Lot in Citrus Springs – Ready for Your Dream Home! Seize the opportunity to build your ideal Florida home on this spacious 10,454-square-foot (nearly a quarter-acre) vacant lot nestled in the heart of the desirable Citrus Springs community, this property offers a perfect blend of quiet residential living and exceptional local amenities. When you build here, you'll be just moments away from the famous 46-mile Withlacoochee State Trail—perfect for hiking, biking, and morning walks. The community also features a public library, a community center, lighted tennis courts, playgrounds, local schools, and a scenic golf course.
Facts & features
The home at a glance
0.24 ac
Lot size
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.
$270 /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
$270/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.
Where it sits
Inside Citrus Springs
Get to know Citrus Springs. See the full Citrus Springs guide →
CITRUS SPRINGS 34434 — neighborhood snapshot
Population
11,074
Median age
44.8
Median income
$68,939
Median home value
$238,400
Avg household
2.62
Households w/ children
1,370
For the school run
Citrus County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Citrus Springs market
$263K → $262K
Citrus Springs median sold, yr/yr
98.8%
Sale-to-list ratio (12 mo)
Median sold price, Citrus Springs, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 58% below the CITRUS SPRINGS 34434 median. See the full Citrus Springs market guide →
Paper trail
This home's history
Reality check
What actually sold near 10838 N OCEAN 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$235,000
11001 N HARRIET WAY · same community
3 bd · 2 ba · 1,343 sqft · $175/sqft · 223 DOM
Sold · Dec ’25$330,000
1405 W ADELE COURT · same community
3 bd · 2 ba · 1,352 sqft · $244/sqft · 43 DOM
Sold · Feb ’26$234,900
10763 N DIDISCUS DRIVE · same community
3 bd · 2 ba · 1,399 sqft · $168/sqft · 108 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
Leila Sabat
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 10838 N OCEAN DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10838 N OCEAN 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
10838 N OCEAN DRIVE FAQs
What would the monthly payment be for 10838 N OCEAN DRIVE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $270/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 10838 N OCEAN DRIVE?+
The most recent tax bill on record (2025) was $219. 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 Citrus Springs?+
At $12,500, this home is listed about 95% below the Citrus Springs median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 10838 N OCEAN 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.
The brief
Three things that matter here
01Under the CITRUS SPRINGS 34434 market on paper
$12,500 is 58% below the CITRUS SPRINGS 34434 median of $29,900.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $15,500, now $12,500 — a $3K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DENOVO REALTY · Joe Infantino. MLS #O6440094.
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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