654 NE 130TH COURT, SILVER SPRINGS, FL, 34488
Active417 days on marketListed Jun 17, 2025MLS #O6319202
About this home
654 NE 130TH COURT
Available for sale or lease opportunity. Contact the listing agent to discuss options and terms. New construction | 3 bed | 2 bath | lake access | Gated community. Welcome to your brand-new home in the highly sought-after Trails East gated community! This stunning 3-bedroom, 2 -bath new construction offers direct water access on Lake Waldena, perfect for enjoying peaceful views, fishing, and kayaking right in your neighborhood. Open-concept floor plan with modern finishes throughout. Spacious living and dining areas flow seamlessly for entertaining and everyday living. Located in a private, amenity-rich neighborhood featuring, Private Lake access, Lakeside park with gazebo, playground, tennis court, racquetball, fishing and kayaking allowed. Whether you're looking for a serene full-time residence or a weekend retreat, this property combines comfort, recreation, and nature all in one. Don't miss your chance to own lake access property in Trails East. Schedule your showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,371
Sqft
0.18 ac
Lot size
2
Garage
2025
Year built
One
Levels
$185
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.
$1,874 /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
$1,874/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
+5.3%
$/sqft vs TRAILS EAST
$185 vs $194
Days on market
417 vs 76 typical
Where $185/sqft sits among the 9 homes for sale in TRAILS EAST
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 Silver Springs
Get to know Silver Springs. See the full Silver Springs guide →
SILVER SPRINGS 34488 — neighborhood snapshot
Population
11,525
Median age
45.8
Median income
$45,239
Median home value
$75,300
Avg household
2.27
Households w/ children
1,214
For the school run
Marion County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Silver Springs market
$148K → $197K
Silver Springs median sold, yr/yr
94.8%
Sale-to-list ratio (12 mo)
2 of 9
TRAILS EAST have cut their price
Median sold price, Silver Springs, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 182% above the SILVER SPRINGS 34488 median. See the full Silver Springs market guide →
Paper trail
This home's history
Reality check
What actually sold near 654 NE 130TH COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$244,698
600 NE 130TH COURT · same community
3 bd · 2 ba · 1,371 sqft · $178/sqft · 580 DOM
Sold · Aug ’25$270,000
741 NE 130TH TERRACE · same community
3 bd · 2 ba · 1,371 sqft · $197/sqft · 136 DOM
Sold · Feb ’26$259,900
13050 NE 7TH LOOP · same community
3 bd · 2 ba · 1,371 sqft · $190/sqft · 436 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 654 NE 130TH COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 654 NE 130TH COURT — 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
654 NE 130TH COURT FAQs
What would the monthly payment be for 654 NE 130TH COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,874/mo — principal and interest, the actual property-tax bill, the $83/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 654 NE 130TH COURT?+
The association fee works out to $83 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 654 NE 130TH COURT?+
The most recent tax bill on record (2024) was $299. 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 654 NE 130TH COURT?+
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 Silver Springs?+
At $253,800, this home is listed about 15% above the Silver Springs median of $220,000. The market section on this page shows how the area is trending.
Which schools are assigned to 654 NE 130TH COURT?+
East Marion Elementary School (elementary), Lake Weir High School (high), Fort McCoy School (elementary) — Marion County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$253,800 runs 182% above the SILVER SPRINGS 34488 median.
02Time on market is leverage
417 days on market against a Silver Springs median of 76 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $279,900, now $253,800 — a $26K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of INTEGRITY REALTY SERVICES LLC · Janelle Cobb. MLS #O6319202.
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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