7438 GATES CIRCLE, SPRING HILL, FL, 34606
Active1 days on marketListed Aug 6, 2026MLS #W7888302
About this home
7438 GATES CIRCLE
Welcome home to this spacious waterfront home situated on a .40-acre lot, offering 2,103 square feet of comfortable living space. Built in 1987, this 3-bedroom, 2-bathroom home features a desirable split floor plan with a 2-car garage. The rear of the property offers waterfront access that connects to Hunter Lake. Step inside to a welcoming great room, complemented by a formal dining room perfect for entertaining. The expansive family room showcases a cozy wood-burning fireplace and is filled with natural light from two brand-new skylights. The kitchen features an additional brand-new skylight, while the spacious primary bathroom also includes a new skylight, creating a bright and inviting atmosphere throughout the home. Enjoy year-round Florida living from the spacious screened rear patio overlooking a large, private backyard. The peaceful setting is perfect for relaxing, entertaining, or simply enjoying the beauty of nature. Major updates provide peace of mind, including a new roof (December 2024), new A/C (2024), new energy-efficient windows (October 2025), and all-new skylights. This move-in-ready waterfront home offers the perfect combination of space, privacy, and a beautiful natural setting- all conveniently located near shopping, dining, parks, and the Suncoast Parkway for an easy commute. Don't miss the opportunity to make this exceptional property your own!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,103
Sqft
0.41 ac
Lot size
2
Garage
1987
Year built
One
Levels
$152
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 — not generic estimates.
$2,321 /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
$2,321/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
−0.1%
Days on market
1 vs 41 typical
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 34606 — neighborhood snapshot
Population
28,155
Median age
50.4
Median income
$54,730
Median home value
$227,700
Avg household
2.25
Households w/ children
2,752
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 → $325K
Spring Hill median sold, yr/yr
97.9%
Sale-to-list ratio (12 mo)
Median sold price, Spring Hill, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 14% above the SPRING HILL 34606 median. See the full Spring Hill market guide →
Paper trail
This home's history
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
Jasmine Ince
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 7438 GATES CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 7438 GATES CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Jasmine's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
7438 GATES CIRCLE FAQs
What would the monthly payment be for 7438 GATES CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,321/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 7438 GATES CIRCLE?+
The most recent tax bill on record (2025) was $1,703. 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 Spring Hill?+
At $319,000, this home is listed about 6% below the Spring Hill median of $339,950. The market section on this page shows how the area is trending.
Which schools are assigned to 7438 GATES CIRCLE?+
Deltona Elementary School (elementary), Fox Chapel Middle School (middle), Weeki Wachee High School (high) — Hernando County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of BHHS FLORIDA PROPERTIES GROUP · Tinalynn Molesi. MLS #W7888302.
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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