CENTURY 21 Edge
$45,000≈$473 /mo all-in ↓

3109 E MILLSIDE LANE, INVERNESS, FL, 34453

Active12 days on marketListed Sep 30, 2026MLS #O6446277

✦ Priced 83% below the Inverness medianINVERNESS HIGHLANDS UNIT 02

About this home

3109 E MILLSIDE LANE

Wooded residential 0.665 acre lot opportunity in Inverness, Citrus County, located at 3109 E MILLSIDE LN (PID: 19E19S020020 00610 0540). Mature live oaks, pines and palmetto create a private, established setting near downtown Inverness and the Withlacoochee River. The property analysis identifies Flood Zone DNF. Buyer should verify zoning, setbacks, wetlands, utility availability, access and development requirements with Citrus County. The property is available for a self-guided tour. Subleasing is not permitted. This lot is not available for rent or lease.

Facts & features

The home at a glance

0.66 ac

Lot size

Inside

Outside & construction

Community & fees

Taxes (2025)$341/yr

Utilities & systems

UtilitiesOther
WaterNone

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$473 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$265
FHA mortgage insurance (est.)$20
Property tax — 2025 actual bill$28
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $1,575Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Get my real numbersCall

Run your own numbers

Loan type
Down payment3.5% · $1,575
Interest rate6.00%
Loan term

Estimated payment

$473/mo

Principal & interest$265
FHA mortgage insurance (est.)$20
Property taxes (actual bill)$28
Est. insurance$160

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.

The numbers that matter

The Inverness market

Seller’s marketLeans seller — 4.7 months of inventoryBuyer’s market

$235K → $252K

Inverness median sold, yr/yr

96.3%

Sale-to-list ratio (12 mo)

Median sold price, Inverness, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 83% below the Inverness median. See the full Inverness market guide →

Paper trail

This home's history

Sep 30, 2026Listed at $45,000 · 12 days on market since

Reality check

What actually sold near 3109 E MILLSIDE LANE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

63 N CROFT AVENUESold · Sep ’26

$159,000

63 N CROFT AVENUE · same community

2 bd · 1 ba · 936 sqft · $170/sqft · 36 DOM

3292 E PORTER STREETSold · Oct ’26

$225,000

3292 E PORTER STREET · same community

3 bd · 2 ba · 1,076 sqft · $209/sqft · 490 DOM

671 N CROFT AVENUESold · Dec ’25

$130,000

671 N CROFT AVENUE · same community

2 bd · 1 ba · 1,144 sqft · $114/sqft · 4 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.

Anthony Richardson

Your agent

Anthony Richardson

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 3109 E MILLSIDE LANE — start here.

CallText
anthony.richardson@c21edge.com
Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3109 E MILLSIDE LANE — before you fall in love.

Get pre-approvedCall
aacosta@prmg.net

See it in person

Schedule a tour

Live availability from Anthony's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

3109 E MILLSIDE LANE FAQs

What would the monthly payment be for 3109 E MILLSIDE LANE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $473/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 3109 E MILLSIDE LANE?+

The most recent tax bill on record (2025) was $341. 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 Inverness?+

At $45,000, this home is listed about 83% below the Inverness median of $265,000. The market section on this page shows how the area is trending.

Keep looking

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Listing courtesy of SUNLAND REAL ESTATE, LLC. · Javier Santana. MLS #O6446277.

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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