9040 BAY DRIVE, SPRING HILL, FL, 34606
Active16 days on marketListed Aug 19, 2026MLS #W7888732
About this home
9040 BAY DRIVE
You will not want to miss out on this gem of a home. Great curb appeal at the start with new retention walls surrounding the landscape. Inside you are welcomed with a flowing floor plan and beautiful natural light. Updated wood look tile floors flow throughout the home. The kitchen has been delightfully updated with stainless appliances, propane range, waterfall-edge island, quartz counters, farm sink, and recessed lighting. Dining room, which opens through French doors to the lanai, has a custom-built Quartz table, great for an entertaining space. Two suites are available in this home on each side of the home. Each has its own bathroom with updated vanities, and great closet space. The third bedroom is spacious and could also be used as an office, game room or craft room and has slider access to the front porch. Sunroom is enclosed by sliding doors that can be opened on a relaxing breezy evening. Spend hours in the pool year-round as there is a pool heater available. The back yard is just as adorable as the front. Landscaping beds flow throughout with oak trees and plants. Two large sheds for added storage and the garage has double doors leading to the back of the home. Extra's include new gutters and leaf guards, new pool liner for saltwater pool, fenced in back yard, lanai rescreened within the last 4 years, plantation shutters, inside laundry, Ac mini splits 2022, roof 2018. Come view this one today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,754
Sqft
0.34 ac
Lot size
1
Garage
1978
Year built
One
Levels
$208
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.
$2,728 /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
$2,728/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
+13.1%
$/sqft vs SPRING HILL
$208 vs $198
Days on market
16 vs 43 typical
Where $208/sqft sits among the 308 homes for sale in SPRING HILL
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 → $315K
Spring Hill median sold, yr/yr
97.9%
Sale-to-list ratio (12 mo)
159 of 308
SPRING HILL have cut their price
Median sold price, Spring Hill, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 30% above the SPRING HILL 34606 median. See the full Spring Hill market guide →
Paper trail
This home's history
Reality check
What actually sold near 9040 BAY DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$335,750
4476 AZORA ROAD · same community
4 bd · 2 ba · 1,755 sqft · $191/sqft · 205 DOM
Sold · Dec ’25$360,000
364 WATERFALL DRIVE · same community
3 bd · 3 ba · 1,792 sqft · $201/sqft · 91 DOM
Sold · Nov ’25$215,000
10072 NORTHCLIFFE BOULEVARD · same community
3 bd · 2 ba · 1,708 sqft · $126/sqft · 2 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
Anthony Richardson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 9040 BAY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9040 BAY DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Anthony's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
9040 BAY DRIVE FAQs
What would the monthly payment be for 9040 BAY DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,728/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 9040 BAY DRIVE?+
The most recent tax bill on record (2025) was $3,100. 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 9040 BAY DRIVE?+
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 $365,000, this home is listed about 7% 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 9040 BAY DRIVE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of KW REALTY ELITE PARTNERS · John Mamo. MLS #W7888732.
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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