3588 E COVE PARK TRAIL, HERNANDO, FL, 34442
Active13 days on marketListed Sep 30, 2026MLS #OM733184
About this home
3588 E COVE PARK TRAIL
See Realtor Remarks: Enjoy the best of Florida living in the sought-after 55+ community of Arbor Lakes on Tsala Apopka Chain of Lakes! This beautifully appointed 3-bedroom, 2-bath home offers a rare combination of privacy, comfortable living, and an abundance of green space behind the home a feature that doesn't come along often! Step inside to an inviting, open living space featuring the family room and an eat-in kitchen with a charming bay window, stainless steel appliances, and LVP flooring throughout the main living areas. The additional enclosed porch and Florida room, complete with ceramic tile flooring, provide versatile extra living space perfect for relaxing, entertaining, hobbies, or enjoying the peaceful surroundings year-round. The thoughtfully designed split-bedroom layout offers two guest bedrooms and a guest bathroom with a convenient shower/tub combination. The indoor laundry room includes a washer and dryer for added convenience. Retreat to the private primary suite featuring a walk-in closet with custom built-ins and an en-suite bathroom with a walk-in shower and glass door. Furniture is optional, offering added flexibility for the buyer. Outside, enjoy the spacious patio with a sun awning, ideal for morning coffee or entertaining friends while taking in the privacy and green space behind the home. Additional exterior features include gutters, a screened garage door for added airflow, an irrigation sprinkler system, and a spacious patio with a sun awning. Enjoy an active, amenity-rich lifestyle with low HOA fees of just $515 per quarter! The HOA includes cable, Wi-Fi, trash, and recycling, along with access to an impressive array of community amenities. Residents enjoy direct access to Lake Hernando, a private boat ramp, community swimming pool, tennis courts, shuffleboard, fitness center, and a completely repainted clubhouse with a variety of social activities and events. RV and boat storage is also available within the community for an additional fee. Whether you're looking to enjoy lake life, stay active, or simply relax in a peaceful setting with a welcoming community, this Arbor Lakes home offers the lifestyle you've been looking for. Don't miss this opportunity to enjoy comfortable Florida living in a community where there's always something to do!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,496
Sqft
0.18 ac
Lot size
2
Garage
1997
Year built
One
Levels
$167
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.
$2,046 /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
$2,046/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
$167 vs $200
Days on market
13 vs 68 typical
Where $167/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 32% below the Hernando median. See the full Hernando market guide →
Paper trail
This home's history
Reality check
What actually sold near 3588 E COVE PARK TRAIL
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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3588 E COVE PARK TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3588 E COVE PARK TRAIL — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3588 E COVE PARK TRAIL FAQs
What would the monthly payment be for 3588 E COVE PARK TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,046/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 3588 E COVE PARK TRAIL?+
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 3588 E COVE PARK TRAIL?+
The most recent tax bill on record (2025) was $1,589. 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 3588 E COVE PARK TRAIL?+
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 $249,900, this home is listed about 32% 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 #OM733184.
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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