3671 E ARBOR LAKES DRIVE, HERNANDO, FL, 34442
Active13 days on marketListed Sep 30, 2026MLS #OM733167
About this home
3671 E ARBOR LAKES DRIVE
Virtually Staged. See Realtor Remarks: Several photos are Virtually Staged. From the moment you arrive, you’ll know this one is different. Distinctive cottage-inspired charm, picturesque gables, and a welcoming covered front porch set this home apart and invite you to slow down, pull up a rocking chair, and enjoy the peaceful Florida lifestyle. Step inside and discover soaring ceilings, abundant natural light, an open and airy feel, and a split floor plan ready for your personal touch. Major updates include a new 2026 roof and new 2026 HVAC system, offering peace of mind for years to come. Bring your vision and imagine the possibilities—choose the flooring, colors, and finishes you love and transform this well-loved home into one that is uniquely yours. An extra-large screened lanai with a high ceiling extends the living space outdoors, creating the perfect place for morning coffee, quiet evenings, or entertaining friends. Located in the beautiful 55+ lake community of Arbor Lakes, where peaceful surroundings, lake access, scenic places to walk, Florida wildlife, and gorgeous sunrises are all part of everyday life. This isn't about finding a home that looks like everyone else's—it's about creating one that feels like yours.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,684
Sqft
0.17 ac
Lot size
2
Garage
1996
Year built
One
Levels
$140
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.
$1,964 /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
$1,964/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
$140 vs $200
Days on market
13 vs 68 typical
Where $140/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 36% below the Hernando median. See the full Hernando market guide →
Paper trail
This home's history
Reality check
What actually sold near 3671 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$210,000
3548 E COVE PARK TRAIL · same community
3 bd · 2 ba · 1,704 sqft · $123/sqft · 55 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 · Feb ’26$240,000
3825 E ARBOR LAKES DRIVE · same community
3 bd · 2 ba · 1,730 sqft · $139/sqft · 91 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 3671 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 3671 E ARBOR LAKES DRIVE — 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
3671 E ARBOR LAKES DRIVE FAQs
What would the monthly payment be for 3671 E ARBOR LAKES DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,964/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 3671 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 3671 E ARBOR LAKES DRIVE?+
The most recent tax bill on record (2025) was $1,741. 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 3671 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 $235,000, this home is listed about 36% 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 #OM733167.
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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