97 NORTHBANK LANE, SPRING HILL, FL, 34609
Active4 days on marketListed Sep 16, 2026MLS #TB8549193
About this home
97 NORTHBANK LANE
Under Construction. New Construction Home by M/I Homes in Avalon West. Popular Mira Lago floorplan, elevation B. Welcome to 97 Northbank Lane, Spring Hill, Florida — a stunning new construction home built by M/I Homes. This thoughtfully designed home offers 3,531 square foot of well-planned living space, featuring 5 bedrooms, 3 bathrooms, a 3-car garage, and an open-concept living space that creates a seamless flow between gathering areas. This home includes the following: Spacious Layout: 3,531 square foot of living space designed with an open-concept floorplan for comfortable everyday living and effortless entertaining, Owner's Bedroom: Located on the upper level, the owner's bedroom provides a private retreat with an en-suite bathroom, 5 bedrooms and 3 full Bathrooms: Generously appointed with quality fixtures and finishes, Quality of Design: Every detail has been carefully considered, from the layout of the floorplan to the selection of materials and finishes, Open-Concept Living Space: The main living areas connect fluidly, offering a bright and inviting atmosphere for daily life. This home is situated in a welcoming neighborhood with convenient access to nearby parks, perfect for outdoor recreation and leisure activities. The surrounding area offers a pleasant setting for those who enjoy spending time outdoors. This new construction home at 97 Northbank Lane in Spring Hill, Florida represents an outstanding opportunity to own a beautifully designed home with generous space and quality finishes throughout. *Photos shown are for representation purposes only and may not depict the actual home.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
3,531
Sqft
0.3 ac
Lot size
3
Garage
2026
Year built
Two
Levels
$144
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.
$3,519 /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
$3,519/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
−1.1%
$/sqft vs Spring Hill actives
$144 vs $191
Days on market
4 vs 43 typical
Where $144/sqft sits among the 400 Spring Hill 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 Spring Hill
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Spring Hill. See the full Spring Hill guide →
SPRING HILL 34609 — neighborhood snapshot
Population
46,066
Median age
44.8
Median income
$79,284
Median home value
$275,900
Avg household
2.7
Households w/ children
5,105
For the school run
Hernando County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Spring Hill market
$320K → $315K
Spring Hill median sold, yr/yr
97.9%
Sale-to-list ratio (12 mo)
270 of 400
Spring Hill actives have cut their price
Median sold price, Spring Hill, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 50% above the SPRING HILL 34609 median. See the full Spring Hill market guide →
Paper trail
This home's history
Reality check
What actually sold near 97 NORTHBANK LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$490,000
399 HILLSHIRE PLACE · same community
5 bd · 3 ba · 3,531 sqft · $139/sqft · 50 DOM
Sold · Jul ’26$453,000
652 HILLSHIRE PLACE · same community
4 bd · 3 ba · 3,108 sqft · $146/sqft · 42 DOM
Sold · May ’26$359,900
372 HILLSHIRE PLACE · same community
4 bd · 3 ba · 2,696 sqft · $133/sqft · 253 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 97 NORTHBANK LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 97 NORTHBANK LANE — 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
97 NORTHBANK LANE FAQs
What would the monthly payment be for 97 NORTHBANK LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,519/mo — principal and interest, the actual property-tax bill, the $73/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 97 NORTHBANK LANE?+
The association fee works out to $73 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 97 NORTHBANK LANE?+
The most recent tax bill on record (2026) was $710. 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 97 NORTHBANK LANE?+
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 Spring Hill?+
At $509,860, this home is listed about 50% above the Spring Hill median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 97 NORTHBANK LANE?+
Frank W. Springstead High School (high), John D. Floyd Elementary School (elementary), Powell Middle School (middle) — Hernando County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of M/I HOMES · Marshall Gray. MLS #TB8549193.
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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