12027 FERN TERRACE COURT, TRINITY, FL, 34655
Active12 days on marketListed Sep 8, 2026MLS #W7889082
Come see it
Upcoming open house
Sun, Sep 20
12:00 PM – 2:00 PM
About this home
12027 FERN TERRACE COURT
WOW—this is the Heritage Springs home you have been waiting for! Nestled on an amazing cul-de-sac lot with beautiful pond views, this inviting home offers exceptional indoor and outdoor living spaces designed for both everyday enjoyment and entertaining. A standout feature is the 513 SQUARE FOOT air conditioned enclosed Florida room providing an incredibly versatile flex space perfect for parties, crafting, hobbies, or simply relaxing. Even better all the important updates have already been DONE!- NEWER Air conditioners, Roof, Windows, Paint inside and out! Just bring your toothbrush!!! Open and airy main living area features a vaulted ceiling, easy-care wood tile, graceful arched doorways, neutral color palette, oversized picture window, and gorgeous new French doors. Abundant natural light fills the home throughout the day. The well-appointed kitchen offers stainless steel appliances, generous cabinet and counter space, and a charming breakfast nook surrounded by windows. The spacious primary suite even has room for a cozy reading nook, while the primary bath features an oversized shower and vanity with convenient storage. The generously sized secondary bedrooms are sure to impress, and the secondary bath offers a stone countertop and ample vanity storage. A walk-in laundry room with utility sink and built-in cabinetry adds even more convenience and functionality. Just beyond the Florida room, the screened-in porch overlooks the pond and offers direct access to the outdoors—the combination of these spaces creates an ideal setting. The golf cart, patio furniture, and furniture currently in the flex room are also available for purchase—ask the agent for details. Run, don’t walk—this special home has it all! 55 & FUN - LIVE THE HERITAGE SPRINGS LIFESTYLE - Resort style living at its absolute finest! Clubhouse with restaurant and bar, fitness, tennis, golf, cards, billiards, dancing and more! SUPERB TRINITY LOCATION, CLOSE TO BEACHES, DINING, SHOPPING, MEDICAL AND AIRPORT! Caution - Adults at Play!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,683
Sqft
0.33 ac
Lot size
2
Garage
2005
Year built
One
Levels
$267
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.
$3,826 /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
$3,826/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
+13.9%
$/sqft vs Trinity actives
$267 vs $230
Days on market
12 vs 57 typical
Where $267/sqft sits among the 56 Trinity 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 Heritage Springs
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Trinity. See the full Trinity guide →
Heritage Springs — neighborhood snapshot
Population
3,004
Median age
47
Median income
$107,215
Median home value
$423,631
Avg household
3
Households w/ children
405
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Trinity market
$467K → $504K
Trinity median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
32 of 56
Trinity actives have cut their price
Median sold price, Trinity, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 32% above the TRINITY 34655 median. See the full Trinity market guide →
Paper trail
This home's history
Reality check
What actually sold near 12027 FERN TERRACE COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$380,000
1623 ARBOR KNOLL LOOP · same community
3 bd · 2 ba · 1,713 sqft · $222/sqft · 36 DOM
Sold · Jun ’26$355,000
1606 ARBOR KNOLL LOOP · same community
3 bd · 2 ba · 1,793 sqft · $198/sqft · 0 DOM
Sold · Mar ’26$450,000
1326 WINDING WILLOW DRIVE
3 bd · 2 ba · 1,684 sqft · $267/sqft · 7 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
Jillian Kobylesky
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 12027 FERN TERRACE COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12027 FERN TERRACE COURT — before you fall in love.
See it in person
Schedule a tour
Live availability from Jillian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12027 FERN TERRACE COURT FAQs
What would the monthly payment be for 12027 FERN TERRACE COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,826/mo — principal and interest, the actual property-tax bill, the $346/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 12027 FERN TERRACE COURT?+
The association fee works out to $346 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12027 FERN TERRACE COURT?+
The most recent tax bill on record (2025) was $5,662. 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 12027 FERN TERRACE COURT?+
The listing reports pets: Breed Restrictions, 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 Trinity?+
At $450,000, this home is listed about 20% below the Trinity median of $561,950. The market section on this page shows how the area is trending.
Which schools are assigned to 12027 FERN TERRACE COURT?+
Trinity Elementary School (elementary), James W. Mitchell High School (high), Seven Springs Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$450,000 runs 32% above the TRINITY 34655 median.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
Trinity Elementary School, James W. Mitchell High School, Seven Springs Middle School — Trinity Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $460,000, now $450,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FUTURE HOME REALTY · Justine Manousogiannakis PLLC. MLS #W7889082.
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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