9647 W FERN CREEK TERRACE, HOMOSASSA, FL, 34448
Active45 days on marketListed Jul 6, 2026MLS #OM727353
About this home
9647 W FERN CREEK TERRACE
Build your Florida dream in one of Homosassa's hidden gems! This beautiful 0.76-acre homesite offers the perfect blend of privacy, natural beauty, and convenience. Nestled among mature oak trees and native Florida landscape, this spacious parcel provides plenty of room to design the custom home you've always envisioned while enjoying the peaceful surroundings. Located in the desirable Blue River Cove area, residents enjoy PRIVATE DOCK ACCESS for the community, making it easy to experience the boating, fishing, kayaking, and waterfront lifestyle that Homosassa is famous for. With paved road frontage, generous dimensions, and no time requirement to build, this property is ideal for homeowners, builders, or investors looking to secure land in one of Florida's fastest-growing Nature Coast communities. Conveniently located near Crystal River, Homosassa Springs, local restaurants, shopping, golf courses, and the Gulf of Mexico. Whether you're planning your forever home, a vacation retreat, or your next investment, this property offers endless possibilities. Don't miss this rare opportunity to own nearly an acre of Florida paradise!
Facts & features
The home at a glance
0.76 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 and the real association fee — not generic estimates.
$500 /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
$500/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.
Where it sits
Inside Homosassa
Get to know Homosassa. See the full Homosassa guide →
HOMOSASSA 34448 — neighborhood snapshot
Population
10,741
Median age
56
Median income
$47,526
Median home value
$166,000
Avg household
2.28
Households w/ children
866
For the school run
Citrus County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Homosassa market
$314K → $303K
Homosassa median sold, yr/yr
95.9%
Sale-to-list ratio (12 mo)
Median sold price, Homosassa, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 80% below the HOMOSASSA 34448 median. See the full Homosassa market guide →
Paper trail
This home's history
Reality check
What actually sold near 9647 W FERN CREEK TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$109,900
5368 S PARKLAND TERRACE
2 bd · 1 ba · 576 sqft · $191/sqft · 139 DOM
Sold · Aug ’25$140,000
3191 S CANADIAN WAY
1 bd · 1 ba · 616 sqft · $227/sqft · 60 DOM
Sold · Feb ’26$115,000
13281 W HOMOSASSA RIVER
1 bd · 1 ba · 704 sqft · $163/sqft · 82 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 9647 W FERN CREEK TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9647 W FERN CREEK TERRACE — 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
9647 W FERN CREEK TERRACE FAQs
What would the monthly payment be for 9647 W FERN CREEK TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $500/mo — principal and interest, the actual property-tax bill, the $21/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 9647 W FERN CREEK TERRACE?+
The association fee works out to $21 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 9647 W FERN CREEK TERRACE?+
The most recent tax bill on record (2025) was $407. 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 9647 W FERN CREEK TERRACE?+
The listing reports pets: Breed Restrictions. 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 Homosassa?+
At $45,000, this home is listed about 87% below the Homosassa median of $339,950. The market section on this page shows how the area is trending.
Which schools are assigned to 9647 W FERN CREEK TERRACE?+
Rock Crusher Elementary School (elementary), Crystal River Middle School (middle), Crystal River 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 EXP REALTY LLC · Rachel Roberts. MLS #OM727353.
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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