8970 N Joann Drive, FL 34434, FL, 34434
Active421 days on marketListed Jun 14, 2025MLS #R11099359
About this home
8970 N Joann Drive, FL 34434
Discover the perfect canvas for your future home on this 10,000 sq ft lot in Citrus Springs! Located right next to another available corner parcel, this lot offers flexibility for buyers looking to build with extra space or invest in a larger footprint. Tucked into a quiet residential area with no HOA, this homesite is minutes from Black Diamond Ranch Golf Club, Rainbow Springs State Park, shopping, and outdoor adventures along Florida's Nature Coast. Seller is open to selling both lots together—a rare opportunity to secure side-by-side properties in this growing community. Build now or hold for future investment!
Facts & features
The home at a glance
0.23 ac
Lot size
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 — not generic estimates.
$331 /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
$331/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.
Reality check
What actually sold near 8970 N Joann Drive
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$275,000
9001 N ELKCAM BOULEVARD · same community
3 bd · 2 ba · 1,529 sqft · $180/sqft · 293 DOM
Sold · Dec ’25$250,000
8929 N ELKCAM BOULEVARD · same community
3 bd · 2 ba · 1,616 sqft · $155/sqft · 35 DOM
Sold · Apr ’26$280,900
8827 N MENDOZA WAY · same community
4 bd · 2.5 ba · 1,687 sqft · $167/sqft · 177 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 8970 N Joann Drive — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8970 N Joann Drive — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
8970 N Joann Drive FAQs
What would the monthly payment be for 8970 N Joann Drive, FL 34434?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $331/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 8970 N Joann Drive, FL 34434?+
The most recent tax bill on record (2025) was $308. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
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 Miami Association of REALTORS®.