4596 N GRASS ISLAND TERRACE, HERNANDO, FL, 34442
Active15 days on marketListed Sep 28, 2026MLS #OM733032
About this home
4596 N GRASS ISLAND TERRACE
See Realtor Remarks: Welcome to Arbor Lakes! This immaculate, turnkey pool home offers the perfect blend of comfort, privacy, and Florida living in a gated 55+ waterfront community. The desirable split-bedroom floor plan provides excellent functionality for everyday living and entertaining, while the spacious kitchen features beautiful wood cabinetry and ample storage. Additional highlights include a convenient indoor laundry room and plantation shutters throughout. Step outside to your private heated saltwater pool, perfect for relaxing and enjoying the Florida sunshine. A fully paid-off solar panel system adds energy efficiency and the potential for significant savings on electricity. Arbor Lakes is a resident-owned community featuring a 20-acre lakeside park with boat ramp and pier, waterfront gazebo, tennis and pickleball courts, shuffleboard, and a large solar-heated community pool. The community center offers a fully equipped kitchen, billiards, fireplace, fitness room, library, TV area, and a spacious covered porch overlooking the lakes. Sidewalks and streetlights throughout the community make it easy to enjoy walking, biking, dog walking, or golf cart cruising. Move-in ready and ideally suited for enjoying the best of Florida living!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,772
Sqft
0.26 ac
Lot size
2
Garage
2006
Year built
One
Levels
$200
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.
$2,721 /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
$2,721/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.
$/sqft vs Hernando actives
$200 vs $200
Days on market
15 vs 68 typical
Where $200/sqft sits among the 134 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.
The numbers that matter
The Hernando market
$326K → $349K
Hernando median sold, yr/yr
95.0%
Sale-to-list ratio (12 mo)
47 of 134
Hernando actives have cut their price
Median sold price, Hernando, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 4% below the Hernando median. See the full Hernando market guide →
Paper trail
This home's history
Reality check
What actually sold near 4596 N GRASS ISLAND TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$327,500
4400 N LAKE VISTA TRAIL · same community
3 bd · 2 ba · 1,810 sqft · $181/sqft · 104 DOM
Sold · Sep ’26$235,000
4567 N GRASS ISLAND TERRACE · same community
3 bd · 2 ba · 1,872 sqft · $126/sqft · 293 DOM
Sold · Apr ’26$250,000
4564 N GRASS ISLAND TERRACE · same community
3 bd · 2.5 ba · 1,604 sqft · $156/sqft · 4 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 4596 N GRASS ISLAND TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4596 N GRASS ISLAND TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4596 N GRASS ISLAND TERRACE FAQs
What would the monthly payment be for 4596 N GRASS ISLAND TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,721/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 4596 N GRASS ISLAND TERRACE?+
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 4596 N GRASS ISLAND TERRACE?+
The most recent tax bill on record (2025) was $1,704. 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 4596 N GRASS ISLAND TERRACE?+
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 $355,000, this home is listed about 4% below the Hernando median of $369,000. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 J.W.MORTON R.E. · Wayne Buhler. MLS #OM733032.
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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