CENTURY 21 Edge
$649,9003 bd2 ba1,692 sqft$384 /sqft≈$4,207 /mo all-in ↓

404 E NICHOLAS STREET, HERNANDO, FL, 34442

Active14 days on marketListed Sep 29, 2026MLS #OM733123

Private poolSingle Family ResidenceCRYSTAL HILLS MINI FARMS UNIT 01 UNREC

About this home

404 E NICHOLAS STREET

See Realtor Remarks: If you’ve been searching for it ALL, look no further! This exceptional 2020-built custom home sits on 4.54 private acres and offers the perfect combination of quality construction, thoughtful upgrades, outdoor living, and incredible versatility—with NO HOA and NO deed restrictions! Featuring 3 bedrooms and 2 bathrooms, this beautifully designed home offers an open-concept layout with upgrades galore. From the moment you arrive, you’ll notice the attention to detail, including tray ceilings in all three bedrooms, 5 1/4-inch baseboards, crown molding throughout, wood-cased windows, granite countertops, and luxury vinyl plank flooring throughout the home. The spacious living areas are designed for both everyday living and entertaining. The kitchen is a standout, featuring white cabinetry, stainless steel appliances, a large center island, granite countertops, and a beautiful, oversized window overlooking the lanai and pool area. The spacious family room features sliders that open directly to the screened pool area, creating an effortless indoor-outdoor living experience. The primary suite offers a relaxing retreat with dual vanities, a beautifully tiled walk-in shower, tray ceiling, and spacious walk-in closet. Two additional guest bedrooms also feature tray ceilings and share a well-appointed bathroom with a tub/shower combination. Step outside and enjoy your own private oasis! The saltwater inground pool is surrounded by pavers and enclosed by a spacious screen enclosure, making it perfect for relaxing, entertaining, and enjoying the Florida lifestyle. The property also features a combination of vinyl privacy fencing and wrought iron fencing, a sprinkler system, and cedar tongue-and-groove ceilings on the porches that add an extra touch of character and charm. The home is also pre-wired for a Generac generator. The laundry room is designed with functionality in mind, offering custom cabinetry, a folding counter, hanging rod, and space to accommodate a full-size refrigerator. The attached garage also features a utility sink, adding convenience for projects, cleanup, and everyday use. And then there’s the MASSIVE 105-foot-long detached garage, with an additional 10x34 covered space on the back. This impressive space is fully insulated and offers an incredible amount of room for vehicles, equipment, hobbies, a workshop, storage, or whatever your needs may be. It is equipped with a half bathroom, air hoses, compressor, and lean-to, making this an incredibly versatile space with endless possibilities. With 4.54 acres, no HOA, and no deed restrictions, there’s plenty of room to enjoy the privacy you’ve been looking for while still having the freedom to clear, customize, expand, or make the property your own. Everything you’ve been dreaming of is already here beautifully completed, thoughtfully upgraded, and move-in ready. A property like this doesn’t come along often. Come see it for yourself and discover just how much this exceptional property has to offer!

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,692

Sqft

4.54 ac

Lot size

2

Garage

2020

Year built

One

Levels

$384

Per sqft

Private pool

Inside

FlooringLuxury Vinyl
AppliancesDishwasher · Electric Water Heater
InteriorCeiling Fan(s) · Living Room/Dining Room Combo · 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
ExteriorIrrigation System · Rain Gutters · Sliding Doors

Community & fees

Taxes (2025)$3,562/yr

Utilities & systems

UtilitiesElectricity Connected · Sewer Connected · Water 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.

$4,207 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,507
PMI (est., until 20% equity)$244
Property tax — 2025 actual bill$297
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

$4,207/mo

Principal & interest$3,507
PMI (est., until 20% equity)$244
Property taxes (actual bill)$297
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

$384 vs $200

Days on market

14 vs 68 typical

Where $384/sqft sits among the 135 Hernando actives

25
42
41
15
7
5 · this home
$108–154$154–200$200–246$246–292$292–338$338+

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

Seller’s marketBalanced — 5.9 months of inventoryBuyer’s market

$326K → $349K

Hernando median sold, yr/yr

95.0%

Sale-to-list ratio (12 mo)

47 of 135

Hernando actives have cut their price

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

This home is listed 76% above the Hernando median. See the full Hernando market guide →

Paper trail

This home's history

Sep 29, 2026Listed at $649,900 · 14 days on market since
2020Built · CRYSTAL HILLS MINI FARMS UNIT 01 UNREC

Reality check

What actually sold near 404 E NICHOLAS STREET

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

938 E NICHOLAS STREETSold · Apr ’26

$206,000

938 E NICHOLAS STREET · same community

4 bd · 2 ba · 1,984 sqft · $104/sqft · 274 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.

Iain Robinson

Your agent

Iain Robinson

Broker Associate · CENTURY 21 Edge

Tours, negotiation, and every question about 404 E NICHOLAS 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 404 E NICHOLAS STREET — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

404 E NICHOLAS STREET FAQs

What would the monthly payment be for 404 E NICHOLAS STREET?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,207/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 404 E NICHOLAS STREET?+

The most recent tax bill on record (2025) was $3,562. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Hernando?+

At $649,900, this home is listed about 76% above the Hernando median of $369,000. The market section on this page shows how the area is trending.

Listing courtesy of CENTURY 21 J.W.MORTON R.E. · Wayne Buhler. MLS #OM733123.

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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404 E NICHOLAS STREET, HERNANDO, FL — 3 Bed, 2 Bath — $649,900 | CENTURY 21 Edge