3909 S CEDAR TERRACE, HOMOSASSA, FL, 34448
Active56 days on marketListed Jun 6, 2026MLS #A4696222
About this home
3909 S CEDAR TERRACE
Discover the potential of this 2.14-acre corner lot property in the heart of Homosassa. Featuring a 3-bedroom, 2-bath mobile home, this property provides privacy, space, and endless possibilities. With limited acreage inventory available in the area, this is a rare opportunity for homeowners, investors, or those seeking room to grow. The expansive corner parcel may have the potential for subdivision into two homesites (buyer to verify with local zoning and planning authorities), making it an attractive investment opportunity. The property includes a pond, an enclosed shed, and additional outbuildings, providing ample storage, workspace, or hobby space. Whether you're looking for a private country setting, future development potential, or simply a place to enjoy the outdoors, this property delivers exceptional land value and versatility in a desirable Homosassa location.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,040
Sqft
2.14 ac
Lot size
1985
Year built
One
Levels
$183
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.
$1,417 /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
$1,417/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
+43%
$/sqft vs Homosassa actives
$183 vs $175
Days on market
56 vs 41 typical
Where $183/sqft sits among the 217 Homosassa 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 Homosassa
Get to know Homosassa. See the full Homosassa guide →
HOMOSASSA 34448 — neighborhood snapshot
Population
10,741
Median age
56
Median income
$47,526
Median home value
$166,000
Avg household
2.28
Households w/ children
866
For the school run
Citrus County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Homosassa market
$299K → $302K
Homosassa median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
107 of 217
Homosassa actives have cut their price
Median sold price, Homosassa, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 19% below the HOMOSASSA 34448 median. See the full Homosassa market guide →
Paper trail
This home's history
Reality check
What actually sold near 3909 S CEDAR TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$165,000
8326 W EARL LOOP
2 bd · 2 ba · 1,044 sqft · $158/sqft · 85 DOM
Sold · Apr ’26$95,000
4462 S SKYLARK TERRACE
3 bd · 2 ba · 1,056 sqft · $90/sqft · 197 DOM
Sold · Apr ’26$82,000
5143 S KNOBHILL TERRACE
3 bd · 2 ba · 1,080 sqft · $76/sqft · 65 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3909 S CEDAR TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3909 S CEDAR TERRACE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
3909 S CEDAR TERRACE FAQs
What would the monthly payment be for 3909 S CEDAR TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,417/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 3909 S CEDAR TERRACE?+
The most recent tax bill on record (2025) was $660. 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 Homosassa?+
At $189,900, this home is listed about 46% below the Homosassa median of $350,250. The market section on this page shows how the area is trending.
Which schools are assigned to 3909 S CEDAR TERRACE?+
Rock Crusher Elementary School (elementary), Crystal River Middle School (middle), Crystal River High School (high) — Citrus County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of 365 REALTY GROUP INC · Teresina Anzalone. MLS #A4696222.
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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