
2489 N LAKEFRONT DRIVE, HERNANDO, FL, 34442
Active4 days on marketListed Aug 25, 2026MLS #OM730825
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
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.
$12,162 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$12,162/mo
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
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Hernando 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
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
Darrick Cook
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2489 N LAKEFRONT DRIVE — start here.

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.
Keep looking
Similar homes nearby
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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