1097 W CARY DRIVE, CITRUS SPRINGS, FL, 34434
Active57 days on marketListed Sep 16, 2026MLS #O6441976
About this home
1097 W CARY DRIVE
MOVE-IN READY | BRAND-NEW CONSTRUCTION | NEVER OCCUPIED! Move-in ready and waiting for its first owners! Welcome to this beautiful brand-new home at 1097 W Cary Drive, fully completed, never occupied, and ready for immediate enjoyment. Offering 4 spacious bedrooms and 3 full bathrooms, this residence combines modern design, comfort, and functionality in a thoughtfully designed layout. The home features beautiful wood cabinetry, adding warmth, style, and ample storage to the kitchen and living spaces. Large sliding glass doors create a seamless connection between the interior and outdoor areas, allowing abundant natural light to fill the home and providing the perfect setting for entertaining, relaxing, or enjoying Florida's year-round lifestyle. With four generously sized bedrooms, there is plenty of flexibility for family, guests, a home office, or additional living arrangements. Three full bathrooms provide added convenience and privacy for everyday living. Located in a desirable area with convenient access to shopping, dining, schools, parks, major roads, and essential services, this home offers both comfort and accessibility. Just minutes from everyday amenities and local attractions, it presents an excellent opportunity for buyers seeking a brand-new construction home without the wait. Fully completed, beautifully finished, never lived in, and ready for its first chapter! Don't miss this opportunity to own a move-in-ready Florida home designed for today's modern lifestyle.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1,867
Sqft
0.23 ac
Lot size
2
Garage
2026
Year built
One
Levels
$149
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.
$2,218 /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
$2,218/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.
vs edgeAI estimate
−1%
$/sqft vs Citrus Springs actives
$149 vs $167
Days on market
57 vs 60 typical
Where $149/sqft sits among the 260 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.
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)
108 of 260
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 833% above the CITRUS SPRINGS 34434 median. See the full Citrus Springs market guide →
Paper trail
This home's history
Reality check
What actually sold near 1097 W CARY DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$325,000
6263 N WHISPERING OAK LOOP
4 bd · 2 ba · 1,888 sqft · $172/sqft · 156 DOM
Sold · Aug ’26$490,000
5982 N Maroon WAY
3 bd · 2 ba · 1,838 sqft · $267/sqft · 139 DOM
Sold · May ’26$280,990
2277 W SWANSON DRIVE
4 bd · 2 ba · 1,829 sqft · $154/sqft · 83 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
Angela Rodriguez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1097 W CARY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1097 W CARY DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Angela's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1097 W CARY DRIVE FAQs
What would the monthly payment be for 1097 W CARY DRIVE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,218/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 1097 W CARY DRIVE?+
The most recent tax bill on record (2025) was $226. 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 1097 W CARY 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 $279,000, this home is listed about 1% above the Citrus Springs median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1097 W CARY 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 WRA BUSINESS & REAL ESTATE · Victor Kubrusly. MLS #O6441976.
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.
Never miss a listing
New Citrus Springs homes, in your inbox
Like 1097 W CARY DRIVE but not quite? A daily digest of every new listing in Citrus Springs — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Angela to ping you on any price or status change →