12 S SCHOOL AVENUE, LECANTO, FL, 34461
Active58 days on marketListed Jun 5, 2026MLS #GC540891
About this home
12 S SCHOOL AVENUE
Under Construction. 7,000 IN CLOSING COST HELP! Seller will contribute $7,000 toward your closing costs with the preferred lender — buyer may use any lender. Brand-new construction on 1.3 ACRES in Lecanto, never lived in! This 4-bed, 3-bath, 3-car garage home offers 2,478 sq ft of open-concept living. The private owner's suite features dual walk-in closets and a spa-style bath, plus a secondary suite with its own full bath — perfect for guests or multigenerational living. Enjoy a spacious island kitchen with walk-in pantry, quartz counters, stainless Samsung appliances, and luxury vinyl plank flooring throughout the main living areas. A covered lanai extends your living space outdoors, and a drop zone, laundry room, and oversized 3-car garage add convenience. Energy-efficient systems, smart doorbell, and builder warranty included. Room to roam with no rear neighbors and space for a future pool. Minutes to Black Diamond Ranch golf, Crystal River springs, and the Suncoast Parkway. Some photos are renderings and/or of a similar completed model. Features, finishes, colors, and specifications may vary.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,478
Sqft
1.28 ac
Lot size
3
Garage
2026
Year built
One
Levels
$193
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.
$3,241 /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
$3,241/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
+0.3%
$/sqft vs CITRUS HILLS 1ST ADD
$193 vs $221
Days on market
58 vs 59 typical
Where $193/sqft sits among the 21 homes for sale in CITRUS HILLS 1ST ADD
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 Lecanto
Get to know Lecanto. See the full Lecanto guide →
LECANTO 34461 — neighborhood snapshot
Population
13,289
Median age
54.8
Median income
$60,795
Median home value
$287,200
Avg household
2.47
Households w/ children
979
For the school run
Citrus County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lecanto market
$340K → $325K
Lecanto median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
12 of 21
CITRUS HILLS 1ST ADD have cut their price
Median sold price, Lecanto, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 32% above the LECANTO 34461 median. See the full Lecanto market guide →
Paper trail
This home's history
Reality check
What actually sold near 12 S SCHOOL AVENUE
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$455,000
2843 N ANNAPOLIS AVENUE · same community
4 bd · 3 ba · 2,478 sqft · $184/sqft · 46 DOM
Sold · Sep ’25$432,000
2645 N ANNAPOLIS AVENUE · same community
4 bd · 3 ba · 2,478 sqft · $174/sqft · 180 DOM
Sold · Jun ’26$415,000
574 E EVERETT LANE · same community
4 bd · 3 ba · 2,478 sqft · $167/sqft · 443 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 12 S SCHOOL AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12 S SCHOOL AVENUE — 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
12 S SCHOOL AVENUE FAQs
What would the monthly payment be for 12 S SCHOOL AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,241/mo — principal and interest, the actual property-tax bill, the $15/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 12 S SCHOOL AVENUE?+
The association fee works out to $15 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12 S SCHOOL AVENUE?+
The most recent tax bill on record (2025) was $410. 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 12 S SCHOOL AVENUE?+
The listing reports pets: Cats OK, Dogs OK, 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 Lecanto?+
At $479,000, this home is listed about 28% above the Lecanto median of $373,950. The market section on this page shows how the area is trending.
Which schools are assigned to 12 S SCHOOL AVENUE?+
Central Ridge Elementary School (elementary), Citrus Springs Middle School (middle), Lecanto 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 EXP REALTY LLC · Amber O'Steen. MLS #GC540891.
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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