
7740 E SMOKE TRAIL, INVERNESS, FL, 34453
Active251 days on marketListed Nov 25, 2025MLS #W7881004
About this home
7740 E SMOKE TRAIL
Unique Island Opportunity on the Withlacoochee River Basin — 16.68–20 Acres in Inverness, Citrus County Escape to your own serene retreat: this rare parcel of island land located in the scenic Withlacoochee River basin in Citrus County offers between approximately 16.68 and 20 acres. Access to the island is only by watercraft — no direct road access — providing a genuinely private and nature-filled setting. Highlights & Features Approximate gross acreage: 16.68-20 acres. Estimated usable acreage: approximately 0.4 acres — buyer to verify. Island access only: exclusive access by boat or watercraft, enhancing secluded appeal. Scenic water-setting: nestled in the Withlacoochee River basin, surrounded by natural beauty and water-views. Controlled water level: A **weir** is in place that influences and governs the river basin’s water flow and flood control — an added factor to verify in due diligence. (A weir is a barrier across a river or channel used to control upstream water level and flow. Cross-water address: The records show an address associated with four parcels on the opposite shore of the water (mainland) — this island is distinct and the subject property. Due diligence essential: Buyer and/or Buyer’s Agent are strongly encouraged to verify all aspects of the property including access, buildability, zoning, utilities, flood zone, usable acreage, environmental conditions, weir effects, etc. Key reference: Use AltKey # 1716543 when performing property searches with the Citrus County Property Appraiser or other records. Offered “as is": Buyer accepts the property in its current condition; verification and investigation of all details are the buyer’s responsibility. Here is a truly exceptional chance to own your own island parcel in Citrus County — whether for a private retreat, a unique off-water build site, or a long-term investment. Don’t miss this rare offering. Explore the possibilities of this distinctive island property.
Facts & features
The home at a glance
16.68 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.
$386 /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
$386/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 Inverness
Get to know Inverness. See the full Inverness guide →
INVERNESS 34453 — neighborhood snapshot
Population
10,473
Median age
53.5
Median income
$58,064
Median home value
$174,500
Avg household
2.21
Households w/ children
905
For the school run
Citrus County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Inverness market
$240K → $270K
Inverness median sold, yr/yr
96.2%
Sale-to-list ratio (12 mo)
Median sold price, Inverness, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 12% below the INVERNESS 34453 median. See the full Inverness market guide →
Paper trail
This home's history
Reality check
What actually sold near 7740 E SMOKE TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$1,395,000
1423 N LAGOON POINT · same community
4 bd · 3 ba · 4,262 sqft · $327/sqft · 7 DOM
Sold · Aug ’25$70,000
8306 E TURNER CAMP ROAD
2 bd · 1 ba · 672 sqft · $104/sqft · 94 DOM
Sold · Oct ’25$174,000
7897 E WOODED TRAIL UNIT 126
2 bd · 2 ba · 1,000 sqft · $174/sqft · 6 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 7740 E SMOKE TRAIL — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 7740 E SMOKE TRAIL — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
7740 E SMOKE TRAIL FAQs
What would the monthly payment be for 7740 E SMOKE TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $386/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 7740 E SMOKE TRAIL?+
The most recent tax bill on record (2024) was $53. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Inverness?+
At $35,000, this home is listed about 86% below the Inverness median of $258,450. The market section on this page shows how the area is trending.
Which schools are assigned to 7740 E SMOKE TRAIL?+
Hernando Elementary School (elementary), Inverness Middle School (middle), Citrus High School (high) — Citrus County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the INVERNESS 34453 market on paper
$35,000 is 12% below the INVERNESS 34453 median of $40,000.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
251 days on market against a Inverness median of 25 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $50,000, now $35,000 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX CHAMPIONS · Brenda Endres. MLS #W7881004.
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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