3968 E ARBOR LAKES DRIVE, HERNANDO, FL, 34442
Active4 days on marketListed Sep 16, 2026MLS #OM732402
About this home
3968 E ARBOR LAKES DRIVE
See Realtor Remarks: LOCATION, LOCATION, LOCATION ON THE TSALA APOPKA CHAIN OF LAKES!!! Lifestyle and versatility come together beautifully in this inviting 3-bedroom, 2-bath home--ideally situated just THREE HOMES FROM THE LAKE in the sought-after gated 55+ community of Arbor Lakes! Enjoy the beauty and convenience of being so close to the water while embracing the relaxed, neighborly lifestyle that makes this community so special. Step inside to an open and welcoming living space featuring a vaulted ceiling that creates an airy sense of volume and provides a wonderful canvas for your personal style. The flexible floor plan includes an additional room with a large closet that can easily become a den, home office, hobby space, or third bedroom--whatever best fits your lifestyle. The bright kitchen opens to a cheerful breakfast nook and offers a convenient desk area, perfect for keeping a favorite recipe handy, planning the day's activities, or catching up on household details. A nearby laundry room adds to the home's everyday convenience. But perhaps the most delightful spaces are waiting just outside. The oversized front patio is the perfect place to unwind and enjoy beautiful evening sunsets while saying hello to neighbors as they cruise by in their golf carts. It's more than a front porch--it's a place to connect and enjoy the Arbor Lakes way of life. Beyond the home, a private backyard creates a peaceful retreat, while the lanai offers covered dining and comfortable seating areas for morning coffee, afternoon relaxation, or entertaining friends and family. With both privacy and outdoor living at your fingertips, you'll find plenty of reasons to spend your days enjoying the Florida sunshine. With the premium location within this active community, there is no end to how to spend your time. Pickleball, shuffleboard, heated community swimming pool, clubhouse with a full calendar of events to partake in, walking trails along the lake, picnic/barbecue areas, fishing pier along with a boat launch just to name a few. For those looking to take advantage of the RV/boat storage within the Arbor Lake gates there are a couple spaces remaining. This is an annual fee currently under $550 annually and not owned by Arbor Lakes. Come see why this home deserves to be at the TOP OF YOUR LIST!!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,598
Sqft
0.16 ac
Lot size
2
Garage
1993
Year built
One
Levels
$166
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 and the real association fee — not generic estimates.
$2,246 /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
$2,246/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.
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.
vs edgeAI estimate
+16.5%
$/sqft vs Hernando actives
$166 vs $201
Days on market
4 vs 53 typical
Where $166/sqft sits among the 102 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)
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 6% above the HERNANDO 34442 median. See the full Hernando market guide →
Paper trail
This home's history
Reality check
What actually sold near 3968 E ARBOR LAKES DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$257,500
3622 E ARBOR LAKES DRIVE · same community
3 bd · 2 ba · 1,599 sqft · $161/sqft · 79 DOM
Sold · Jun ’26$282,400
3605 E LAKE TODD DRIVE · same community
3 bd · 2 ba · 1,648 sqft · $171/sqft · 45 DOM
Sold · Apr ’26$210,000
3548 E COVE PARK TRAIL · same community
3 bd · 2 ba · 1,704 sqft · $123/sqft · 55 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3968 E ARBOR LAKES DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3968 E ARBOR LAKES DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3968 E ARBOR LAKES DRIVE FAQs
What would the monthly payment be for 3968 E ARBOR LAKES DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,246/mo — principal and interest, the actual property-tax bill, the $172/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 3968 E ARBOR LAKES DRIVE?+
The association fee works out to $172 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3968 E ARBOR LAKES DRIVE?+
The most recent tax bill on record (2025) was $2,844. 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 3968 E ARBOR LAKES 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 $264,900, this home is listed about 30% below the Hernando median of $379,500. The market section on this page shows how the area is trending.
Which schools are assigned to 3968 E ARBOR LAKES 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.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 J.W.MORTON R.E. · Wayne Buhler. MLS #OM732402.
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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