12055 FINCH ROAD, WEEKI WACHEE, FL, 34614
Active100 days on marketListed May 4, 2026MLS #W7885364
About this home
12055 FINCH ROAD
2.6 Acres. No HOA. No Flood Zone. No CDD. Just Opportunity! Ready to build your dream home in one of Hernando County's most sought-after areas? This 2.6-acre parcel in Weeki Wachee is your blank canvas -- PARTIALLY CLEARED, FULLY FENCED, GATED, and ready for you to break ground. NO HOA. NO CDD. NO FLOOD ZONE! Just land, privacy, and freedom to build the way you want. Zoned AR-2 -- AGRICULTURAL RESIDENTIAL -- meaning you can build your home AND bring your animals, your equipment, and your lifestyle. Horses, chickens, hobby farm -- this zoning supports it all on your 2.6 ACRES with no HOA telling you otherwise. A previous mobile home has been removed from the property -- a well and septic were in place to serve that home and remain on site. A portion of impact fees may have been previously paid -- buyer to verify with the county. ELECTRICITY ON SITE! PAVED ROAD frontage means no dirt road drama getting to your future front door. Zoned for WINDING WATERS K-8 and WEEKI WACHEE HIGH SCHOOL -- the county's newest schools and already among the most in-demand in the area. At 2.6 FENCED ACRES you've got room to breathe, room to build, and room to grow. Bring your builder. Bring your plans. This one checks every box.
Facts & features
The home at a glance
2.6 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.
$1,523 /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
$1,523/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 Weeki Wachee
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Weeki Wachee. See the full Weeki Wachee guide →
WEEKI WACHEE 34614 — neighborhood snapshot
Population
9,561
Median age
43.5
Median income
$79,560
Median home value
$272,100
Avg household
2.99
Households w/ children
1,023
For the school run
Hernando County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Weeki Wachee market
$350K → $348K
Weeki Wachee median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
Median sold price, Weeki Wachee, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 2% below the WEEKI WACHEE 34614 median. See the full Weeki Wachee market guide →
Paper trail
This home's history
Reality check
What actually sold near 12055 FINCH ROAD
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$128,000
11376 ESKIMO CURLEW ROAD · same community
2 bd · 2 ba · 1,056 sqft · $121/sqft · 48 DOM
Sold · Aug ’26$290,000
5872 ROYAL HILLS CIRCLE · same community
4 bd · 2 ba · 1,730 sqft · $168/sqft · 27 DOM
Sold · Nov ’25$230,000
5776 ROYAL HILLS CIRCLE · same community
3 bd · 2 ba · 1,972 sqft · $117/sqft · 38 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
Krystina Allen
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 12055 FINCH ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12055 FINCH ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Krystina's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12055 FINCH ROAD FAQs
What would the monthly payment be for 12055 FINCH ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,523/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 12055 FINCH ROAD?+
The most recent tax bill on record (2025) was $1,545. 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 Weeki Wachee?+
At $195,000, this home is listed about 49% below the Weeki Wachee median of $385,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12055 FINCH ROAD?+
Winding Waters K-8 (elementary), Weeki Wachee High School (high) — Hernando County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of MERIDIAN REAL ESTATE · Laura Norcross. MLS #W7885364.
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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