490 S MINSTREL AVENUE, INVERNESS, FL, 34450
Active524 days on marketListed Feb 28, 2025MLS #L4951143
About this home
490 S MINSTREL AVENUE
New price improvement—offering EVEN GREATER enhanced value! Nestled in the charming city of Inverness, this stunning Citrus County canal-front home offers the perfect blend of serenity and convenience. While you’ll feel miles away from the hustle and bustle, the home is just minutes from the city center, placing everything you need right at your fingertips. Boasting 3 spacious bedrooms and 2 well-appointed bathrooms, this home offers ample storage throughout, ensuring plenty of room for all your belongings. With easy access to the tranquil waters of the Withlacoochee River, you can enjoy leisurely boat rides or peaceful moments on the water whenever you wish. A brand-new well pump has been recently installed, providing peace of mind and eliminating any concerns for years to come. Removing another worry from your list this home has a brand new, professionally installed air conditioning unit. Making sure you can continue to stay cool on those extremely warm Florida summer days! Step inside to find an inviting open-concept living area, where the living room seamlessly flows into the kitchen – making it an ideal space for hosting holiday gatherings or casual dinner parties with friends and family. The kitchen is a chef's dream, featuring elegant solid-surface marble countertops, crisp white wood cabinetry, and top-of-the-line appliances, including a range, two-drawer dishwasher, and microwave. The spacious primary bedroom offers a private retreat, complete with an en-suite bath featuring a generously sized shower and a beautiful vanity. Outdoors, the home truly shines. The expansive back porch and additional covered patio with water and electric hookups create a perfect space for outdoor entertainment. And for those visiting with their camper, there’s no need for them to stay anywhere else – the side of the house is equipped with a 50-amp plug and water hookup, making it easy to accommodate guests. With its own private boat ramp and a dock, this home offers unparalleled access to the canal and the open waters beyond. Whether you’re seeking a peaceful retreat or a place to entertain, this property provides the best of both worlds. Call today for your private showing. All information including measurements are approximate and should be verified by buyers and/or buyer’s agent.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,276
Sqft
1.13 ac
Lot size
2
Garage
1981
Year built
One
Levels
$290
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.
$2,809 /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
$2,809/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
+44.2%
$/sqft vs Inverness actives
$290 vs $178
Days on market
524 vs 36 typical
Where $290/sqft sits among the 189 Inverness 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 Inverness
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Inverness. See the full Inverness guide →
INVERNESS 34450 — neighborhood snapshot
Population
10,408
Median age
59.5
Median income
$48,955
Median home value
$210,200
Avg household
2.04
Households w/ children
604
For the school run
Citrus County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Inverness market
$235K → $265K
Inverness median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
92 of 189
Inverness actives have cut their price
Median sold price, Inverness, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 106% above the INVERNESS 34450 median. See the full Inverness market guide →
Paper trail
This home's history
Reality check
What actually sold near 490 S MINSTREL AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$215,000
485 N ROBIN HOOD ROAD UNIT 82 · same community
2 bd · 1 ba · 1,124 sqft · $191/sqft · 238 DOM
Sold · Nov ’25$510,000
40 N ROBIN HOOD ROAD · same community
4 bd · 2 ba · 2,620 sqft · $195/sqft · 4 DOM
Sold · Feb ’26$227,000
240 N STAFF POINT
3 bd · 2 ba · 1,476 sqft · $154/sqft · 89 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 490 S MINSTREL AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 490 S MINSTREL 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
490 S MINSTREL AVENUE FAQs
What would the monthly payment be for 490 S MINSTREL AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,809/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 490 S MINSTREL AVENUE?+
The most recent tax bill on record (2024) was $3,697. 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 Inverness?+
At $369,900, this home is listed about 44% above the Inverness median of $256,500. The market section on this page shows how the area is trending.
Which schools are assigned to 490 S MINSTREL AVENUE?+
Inverness Primary School (elementary), Citrus High School (high), Inverness Middle School (middle) — Citrus 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
$369,900 runs 106% above the INVERNESS 34450 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
524 days on market against a Inverness median of 36 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $399,900, now $369,900 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of AMERICAN REALTY · Ulric Dunbar, III. MLS #L4951143.
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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