CENTURY 21 Edge
$1,920,00010 bd10 ba4,768 sqft$403 /sqft$12,162 /mo all-in ↓

2489 N LAKEFRONT DRIVE, HERNANDO, FL, 34442

Active4 days on marketListed Aug 25, 2026MLS #OM730825

WaterfrontPrivate poolSingle Family ResidencePARSON'S POINT ADD TO HERNANDO

About this home

2489 N LAKEFRONT DRIVE

This property is active as an AirBNB/VRBO. Approximately 300 feet of Lake Hernando waterfront sets the stage for a distinctive income-producing opportunity on the Tsala Apopka Chain of Lakes. Spanning nine accommodations, this waterfront property brings together a two-bedroom, two-bath lake house and eight approximately 400-square-foot, one-bedroom, one-bath cabins in a setting designed around the water. Five accommodations, including the lake house and four cabins, are currently operated as short-term rentals, while four cabins are currently long-term rentals. An on-site shared pool, dock and lake access further distinguish the property, where an established rental operation and the recreational appeal of lakefront living come together in one offering. The approximately 1,500-square-foot lake house features a full kitchen, spacious living and dining areas and access to the on-site shared pool and screened lanai overlooking the lake. The cabins provide individual accommodations with kitchenettes and screened porches where applicable. Across the property, shared amenities support the Lake Hernando experience with lake and dock access, kayaks and life vests, a fish-cleaning station, a waterfront fire pit, a covered outdoor dining area, a gas grill, picnic areas and on-site laundry facilities. Overflow and boat-trailer parking provide additional convenience for accessing the surrounding waterways. Property improvements and infrastructure include metal roofs, air-conditioning systems, shared well and water lines, drain fields and six septic systems. The cabins feature concrete-block construction with rebar, poured concrete and foam insulation. With nine accommodations, an established mix of short-term and long-term rentals and approximately 300 feet along Lake Hernando, this property presents an opportunity to acquire a multi-residence waterfront property with existing rental use and recreational amenities in Hernando, Florida. Enjoy access to the Tsala Apopka Chain of Lakes for kayaking, fishing and boating while maintaining proximity to the natural and recreational attractions of Citrus County.

Facts & features

The home at a glance

10

Bedrooms

10

Bathrooms

4,768

Sqft

1.17 ac

Lot size

1976

Year built

One

Levels

$403

Per sqft

Private poolWaterfrontWater viewPets allowed

Inside

FlooringCarpet · Ceramic Tile · Laminate
AppliancesCooktop · Microwave · Range · Refrigerator
InteriorKitchen/Family Room Combo · Living Room/Dining Room Combo · Primary Bedroom Main Floor
LaundryCommon Area
CoolingCentral Air · Wall/Window Unit(s)
HeatingCentral

Outside & construction

RoofMetal · Shingle
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesSouthwest
ExteriorFire Pit

Community & fees

Taxes (2025)$11,060/yr
PetsYes

Utilities & systems

UtilitiesElectricity Available · Electricity Connected
WaterWell

The numbers

What it really costs

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

$12,162 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$10,360
PMI (est., until 20% equity)$720
Property tax — 2025 actual bill$922
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $192,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

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

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $192,000
Interest rate6.00%
Loan term

Estimated payment

$12,162/mo

Principal & interest$10,360
PMI (est., until 20% equity)$720
Property taxes (actual bill)$922
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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.

$/sqft vs Hernando actives

$403 vs $200

Days on market

4 vs 53 typical

Where $403/sqft sits among the 110 Hernando actives

28
39
26
10
5
2 · this home
$116–164$164–212$212–259$259–307$307–355$355+

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 Hernando

Get to know Hernando. See the full Hernando guide →

HERNANDO 34442 — neighborhood snapshot

Population

16,356

Median age

65.7

Median income

$55,473

Median home value

$295,900

Avg household

2.03

Households w/ children

868

For the school run

Citrus County School District

MiddleCitrus Springs Middle School★★★★★
ElementaryCentral Ridge Elementary School★★★★★
HighCitrus High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Hernando market

Seller’s marketLeans seller4.9 months of inventoryBuyer’s market

$326K$340K

Hernando median sold, yr/yr

95.0%

Sale-to-list ratio (12 mo)

52 of 110

Hernando actives have cut their price

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

This home is listed 676% above the HERNANDO 34442 median. See the full Hernando market guide →

Paper trail

This home's history

Aug 25, 2026Listed at $1,920,000 · 4 days on market since
1976Built · PARSON'S POINT ADD TO HERNANDO

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.

Darrick Cook

Your agent

Darrick Cook

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 2489 N LAKEFRONT DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2489 N LAKEFRONT DRIVE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

2489 N LAKEFRONT DRIVE FAQs

What would the monthly payment be for 2489 N LAKEFRONT DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $12,162/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 2489 N LAKEFRONT DRIVE?+

The most recent tax bill on record (2025) was $11,060. 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 2489 N LAKEFRONT 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 Hernando?+

At $1,920,000, this home is listed about 406% above the Hernando median of $379,500. The market section on this page shows how the area is trending.

Which schools are assigned to 2489 N LAKEFRONT 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

01Positioned at the premium end

$1,920,000 runs 676% above the HERNANDO 34442 median — but at 4,768 sqft it's also nearly 3 times the size of the typical Hernando listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Fresh on the market

Only 4 days on market in a Hernando market that averages 53 — if it fits, move quickly.

Listing courtesy of PREMIER SOTHEBY'S INTERNATIONAL REALTY · Angela Rose. MLS #OM730825.

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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