1097 W CARY DRIVE, CITRUS SPRINGS, FL, 34434
Active4 days on marketListed Sep 16, 2026MLS #O6441976
About this home
1097 W CARY DRIVE
Under Construction. Welcome to this beautiful brand-new home at 1097 W Cary Drive, never occupied and ready to welcome its first owners. 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, providing warmth, style, and ample storage throughout 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 offering an ideal setting for entertaining, relaxing, or enjoying Florida's year-round lifestyle. With four bedrooms, there is plenty of flexibility for family, guests, a home office, or additional living arrangements. Three full bathrooms provide 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 looking for a new construction home without the wait. Never lived in, beautifully finished, and ready for its first chapter—this is an opportunity to own a modern Florida home designed for today's 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.
$1,945 /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
$1,945/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
−4.8%
$/sqft vs Citrus Springs actives
$149 vs $170
Days on market
4 vs 79 typical
Where $149/sqft sits among the 187 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 →
The numbers that matter
The Citrus Springs market
$269K → $263K
Citrus Springs median sold, yr/yr
98.8%
Sale-to-list ratio (12 mo)
111 of 187
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 1% above the Citrus Springs 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 · Feb ’26$260,000
2062 W HAMPSHIRE BLVD
3 bd · 2 ba · 1,876 sqft · $139/sqft · 167 DOM
Sold · Jun ’26$220,000
2019 W HAMSHIRE BLVD
3 bd · 2 ba · 1,856 sqft · $119/sqft · 135 DOM
Sold · Jan ’26$325,000
6263 N WHISPERING OAK LOOP
4 bd · 2 ba · 1,888 sqft · $172/sqft · 156 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
Arlinda Gokyar
Real Estate Agent · 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 Arlinda'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 6%, the all-in payment lands around $1,945/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 $275,798. The market section on this page shows how the area is trending.
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.
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