
549 W NATIONAL STREET, HERNANDO, FL, 34442
Active11 days on marketListed Oct 2, 2026MLS #OM733159
About this home
549 W NATIONAL STREET
Set on approximately 1.03 acres in the Citrus Hills area of Hernando, this four-bedroom, two-bath residence offers 2,432 square feet of living space, a dedicated office, screened lanai and in-ground pool. Recent updates include new backyard landscaping, rock and pine bark landscaping in the front, new exterior paint, new bedroom flooring, new light fixtures in the dining room and hallway and new kitchen cabinet hardware. Mature trees complement the wooded setting and provide a natural backdrop for outdoor living. Inside, the floor plan creates multiple connections to the screened lanai and pool, including access from the breakfast nook, two secondary bedrooms and the primary suite. The spacious kitchen features white cabinetry, an eat-in counter that opens to the family room and two additional counter areas that can serve as coffee or beverage stations. Sliding glass doors connect the kitchen and breakfast area to the lanai. The primary suite features a vaulted ceiling and an adjacent office, providing a private space for work or other uses. The primary bath includes a step-in shower, two separate vanities, a private water closet and access to the lanai and pool. Three additional bedrooms provide flexible accommodations, including one with a Murphy bed that can be raised when additional floor space is desired. The laundry room features cabinetry, countertop workspace, shelving and a utility sink. The solar panels are fully paid off, with no solar lease to assume. The property is served by a private well and septic system. Outdoor living centers around the screened lanai and in-ground pool, extending the home's living space into its wooded surroundings. Located in the Citrus Hills area, the property provides convenient access to the Suncoast Parkway provides regional connectivity between Citrus County and the Tampa Bay area.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,432
Sqft
1.03 ac
Lot size
2
Garage
1991
Year built
One
Levels
$197
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.
$3,611 /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
$3,611/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
+8.6%
$/sqft vs Hernando actives
$197 vs $200
Days on market
11 vs 68 typical
Where $197/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.
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 → $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 75% above the HERNANDO 34442 median. See the full Hernando market guide →
Paper trail
This home's history
Reality check
What actually sold near 549 W NATIONAL STREET
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$455,000
1215 E GETTY LANE · same community
4 bd · 3 ba · 2,478 sqft · $184/sqft · 31 DOM
Sold · Dec ’25$550,000
1370 E CLEVELAND STREET · same community
3 bd · 3 ba · 2,596 sqft · $212/sqft · 12 DOM
Sold · Jun ’26$390,000
3219 N TYRONE AVENUE · same community
4 bd · 3 ba · 1,990 sqft · $196/sqft · 0 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
Angela Rodriguez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 549 W NATIONAL STREET — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 549 W NATIONAL STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Angela's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
549 W NATIONAL STREET FAQs
What would the monthly payment be for 549 W NATIONAL STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,611/mo — principal and interest, the actual property-tax bill, the $8/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 549 W NATIONAL STREET?+
The association fee works out to $8 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 549 W NATIONAL STREET?+
The most recent tax bill on record (2025) was $4,862. 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 549 W NATIONAL 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 $480,000, this home is listed about 30% above the Hernando median of $369,000. The market section on this page shows how the area is trending.
Which schools are assigned to 549 W NATIONAL 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.
Keep looking
Similar homes nearby
Listing courtesy of PREMIER SOTHEBY'S INTERNATIONAL REALTY · Angela Rose. MLS #OM733159.
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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