CENTURY 21 Edge
$649,9003 bd3 ba2,562 sqft$254 /sqft$3,927 /mo all-in ↓

104 E ATLANTIC STREET, HERNANDO, FL, 34442

Active13 days on marketListed Sep 7, 2026MLS #OM731845

Single Family ResidenceCITRUS HILLS FIRST ADD

About this home

104 E ATLANTIC STREET

See Realtor Remarks: Some homes simply check the boxes. Others tell a story the moment you arrive. Welcome to 104 E Atlantic St, a beautifully appointed custom-built residence in Citrus Hills where privacy, elegance, comfort, and Florida resort-style living come together on an acre. As you enter the property, the journey home begins with a grand drive framed by stone pillars. Approach toward the residence and you immediately get a sense that this is something special a home designed not just to live in, but to experience. Step through the dramatic 8-foot double entry doors and into a welcoming foyer that opens naturally into the heart of the home. The family room is designed for both everyday living and effortless entertaining, featuring custom built-ins, an expansive 8-foot sliding glass door, floor-to-ceiling custom draperies, tray ceilings, and crown molding. Beautiful tile flooring flows throughout the main living areas. The family room transitions seamlessly into the dining area, where another oversized 8-foot slider brings in natural light and creates an easy connection to the outdoor living space. At the center of the home is a chef-inspired kitchen designed for gathering. Granite countertops, a wall oven, electric cooktop, tile backsplash, pantry, and breakfast bar provide the perfect combination of function and style. Just off the kitchen, the laundry room offers exceptional functionality with a washer and dryer, utility sink, and generous storage. A spacious three-car garage provides room for vehicles and golf carts. The split-bedroom floor plan places the owner's suite in its own wing featuring a bay window with a sitting area. The owner's bathroom offers a handicap-accessible design, a spacious walk-in shower, freestanding soaking tub, dual sinks and a walk-in closet. On the opposite side of the home, a versatile flex room provides endless possibilities. Currently imagined as a home office, it features a built-in desk and could easily become a library or hobby room. The second bedroom offers its own ensuite bathroom with a walk-in shower and convenient access to the lanai, ideal for guests or anyone who appreciates private access to the outdoor living area. The third bedroom features a walk-in closet, while the nearby hallway bathroom includes a traditional tub, providing comfortable accommodations for family and guests. Step outside and the home truly comes alive. The screened lanai, finished with beautiful travertine, creates an inviting outdoor extension of the living space a place for morning coffee, evening dinners, or simply enjoying the peaceful Florida surroundings without giving up the comfort of being protected from the elements. But perhaps one of the greatest features of 104 E Atlantic St isn't something you can see from the front door. It's the lifestyle that comes with it. The Citrus Hills Lifestyle. This home includes Citrus Hills Social Membership, opening the door to an extraordinary collection of resort-style amenities and activities within The Villages of Citrus Hills.

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

2,562

Sqft

1 ac

Lot size

3

Garage

2015

Year built

One

Levels

$254

Per sqft

Pets allowed

Inside

FlooringCarpet · Tile
AppliancesDishwasher · Dryer · Electric Water Heater · Microwave · Range Hood · Refrigerator · Washer
InteriorCeiling Fan(s) · Eating Space In Kitchen · Open Floorplan · Stone Counters · Tray Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric · Heat Pump

Outside & construction

RoofShingle
ConstructionBlock · Concrete · Stucco
FoundationSlab
FacesEast
ExteriorRain Gutters · Sliding Doors

Community & fees

HOA fee$14/mo
Taxes (2025)$27/yr
PetsYes
CommunityDeed Restrictions · Dog Park · Fitness Center · Golf · Pool · Restaurant · Tennis Court(s)

Utilities & systems

UtilitiesElectricity Connected · Sewer Connected · Water Connected
WaterPublic

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.

$3,927 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,507
PMI (est., until 20% equity)$244
Property tax — 2025 actual bill$2
HOA fee — from the listing$14
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $64,990Loan30-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% · $64,990
Interest rate6.00%
Loan term

Estimated payment

$3,927/mo

Principal & interest$3,507
PMI (est., until 20% equity)$244
Property taxes (actual bill)$2
HOA / condo fee$14
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.

List $650K
$530KedgeAI estimate $617,468 · range $552K$781K$812K

vs edgeAI estimate

+5.3%

$/sqft vs Hernando actives

$254 vs $200

Days on market

13 vs 53 typical

Where $254/sqft sits among the 102 Hernando actives

21
28
21
16 · this home
4
12
$125–159$159–192$192–225$225–259$259–292$292+

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)

46 of 102

Hernando actives have cut their price

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

This home is listed 160% above the HERNANDO 34442 median. See the full Hernando market guide →

Paper trail

This home's history

Sep 7, 2026Listed at $649,900 · 13 days on market since
2015Built · CITRUS HILLS FIRST ADD

Reality check

What actually sold near 104 E ATLANTIC STREET

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

152 E ATLANTIC STREETSold · Jan ’26

$830,000

152 E ATLANTIC STREET · same community

3 bd · 3.5 ba · 3,362 sqft · $247/sqft · 41 DOM

451 E IRELAND COURTSold · Jul ’26

$370,000

451 E IRELAND COURT

3 bd · 2 ba · 2,580 sqft · $143/sqft · 80 DOM

2211 N HERITAGE OAKS PATH UNIT 18Sold · Sep ’25

$410,000

2211 N HERITAGE OAKS PATH UNIT 18

3 bd · 2 ba · 2,536 sqft · $162/sqft · 65 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.

Kamilla Pagotto

Your agent

Kamilla Pagotto

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 104 E ATLANTIC STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 104 E ATLANTIC STREET — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

104 E ATLANTIC STREET FAQs

What would the monthly payment be for 104 E ATLANTIC STREET?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,927/mo — principal and interest, the actual property-tax bill, the $14/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 104 E ATLANTIC STREET?+

The association fee works out to $14 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 104 E ATLANTIC STREET?+

The most recent tax bill on record (2025) was $27. 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 104 E ATLANTIC STREET?+

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 $649,900, this home is listed about 71% above the Hernando median of $379,500. The market section on this page shows how the area is trending.

Which schools are assigned to 104 E ATLANTIC STREET?+

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.

Listing courtesy of CENTURY 21 J.W.MORTON R.E. · Wayne Buhler. MLS #OM731845.

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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104 E ATLANTIC STREET, HERNANDO, FL — 3 Bed, 3 Bath — $649,900 | CENTURY 21 Edge