3190 N SHERLOCK POINT, HERNANDO, FL, 34442
Active31 days on marketListed Sep 12, 2026MLS #TB8548088
About this home
3190 N SHERLOCK POINT
Beautiful homesite in the desirable Canterbury Lake Estates community of Hernando! This lot offers an excellent opportunity to build your dream home or make a smart investment in a peaceful, established neighborhood. The community offers a serene setting surrounded by well-maintained properties and natural beauty, while providing convenient access to shopping, dining, recreation, golf courses, lakes, walking trails, and Crystal River's famous manatees. With easy access to the Suncoast Parkway, Tampa and Orlando are also within convenient reach. Whether you're ready to build your Florida dream home or looking for a future investment, this Canterbury Lake Estates lot is a wonderful opportunity. Buyer and buyer's agent to verify all HOA requirements and dues.
Facts & features
The home at a glance
0.22 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 and the real association fee — not generic estimates.
$406 /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
$406/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.
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)
Median sold price, Hernando, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 89% below the HERNANDO 34442 median. See the full Hernando market guide →
Paper trail
This home's history
Reality check
What actually sold near 3190 N SHERLOCK POINT
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$249,900
2958 N KITTERY POINT · same community
3 bd · 2 ba · 1,394 sqft · $179/sqft · 45 DOM
Sold · Apr ’26$190,000
2651 N CANTERBURY LAKE DRIVE · same community
2 bd · 2 ba · 1,396 sqft · $136/sqft · 96 DOM
Sold · May ’26$232,000
2857 CHURCHILL · same community
3 bd · 2 ba · 1,548 sqft · $150/sqft · 67 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
Seth Cabrera - Rothschild
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3190 N SHERLOCK POINT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3190 N SHERLOCK POINT — before you fall in love.
See it in person
Schedule a tour
Live availability from Seth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3190 N SHERLOCK POINT FAQs
What would the monthly payment be for 3190 N SHERLOCK POINT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $406/mo — principal and interest, the actual property-tax bill, the $36/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 3190 N SHERLOCK POINT?+
The association fee works out to $36 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3190 N SHERLOCK POINT?+
The most recent tax bill on record (2025) was $245. 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 3190 N SHERLOCK POINT?+
The listing reports pets: No. 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 $29,900, this home is listed about 92% below the Hernando median of $365,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3190 N SHERLOCK POINT?+
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 CALL IT CLOSED INTL REALTY · Susy Covenas. MLS #TB8548088.
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.
Never miss a listing
New Hernando homes, in your inbox
Like 3190 N SHERLOCK POINT but not quite? A daily digest of every new listing in Hernando — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Seth to ping you on any price or status change →