3645 E SANDERS AVENUE, INVERNESS, FL, 34453
Active227 days on marketListed Dec 18, 2025MLS #O6368328
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About this home
3645 E SANDERS AVENUE
Under Construction. Fall in love with the Wilmington -a refined blend of architectural detail, modern finishes, and thoughtful design, set in Inverness, Florida, just 40 miles from Ocala, where natural surroundings and everyday convenience intersect seamlessly. Curb appeal makes an immediate impression with a covered front porch, stone-accented exterior, professional landscaping, and an 8-foot full-lite front door that establishes a polished first impression. Inside, a bright open foyer with 9’4” flat ceilings enhances the sense of scale and flow, leading to a private den with double French doors, ideal for flexible use. The home opens into a spacious open-concept great room, filled with natural light and enhanced by six LED flush-mount lights, creating an inviting and expansive living area. This central space connects seamlessly to the chef-inspired kitchen, showcasing quartz countertops, a large central island, and a full suite of kitchen appliances, including an Estra side-by-side refrigerator. An open dining area completes the layout, while access to the rear patio extends living outdoors for effortless Florida-style enjoyment. A thoughtfully designed split-bedroom layout provides added privacy, with the primary suite serving as a tranquil retreat. The suite features a spacious walk-in closet and a spa-inspired bath with a walk-in tiled shower, dual sinks, and a linen closet, blending comfort with everyday functionality. Additional highlights include architectural shingles and integrated smart-home features, such as a Ring video doorbell, smart thermostat, keyless entry smart door lock, and Deako switches, delivering modern convenience and peace of mind. A two-car garage with workshop space adds flexibility for storage, hobbies, or projects. The Wilmington is designed for effortless living and easy entertaining, with elevated finishes and cohesive details throughout—a home that feels polished, functional, and distinctly inviting from the moment you arrive. Call us today to schedule a private tour!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,044
Sqft
0.28 ac
Lot size
2
Garage
2026
Year built
One
Levels
$147
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.
$2,074 /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
$2,074/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
−24.5%
$/sqft vs Inverness actives
$147 vs $178
Days on market
227 vs 25 typical
Where $147/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
Get to know Inverness. See the full Inverness guide →
INVERNESS 34453 — neighborhood snapshot
Population
10,473
Median age
53.5
Median income
$58,064
Median home value
$174,500
Avg household
2.21
Households w/ children
905
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
$240K → $270K
Inverness median sold, yr/yr
96.2%
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 631% above the INVERNESS 34453 median. See the full Inverness market guide →
Paper trail
This home's history
Reality check
What actually sold near 3645 E SANDERS AVENUE
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$249,888
4068 E SANDERS STREET · same community
4 bd · 2 ba · 1,672 sqft · $149/sqft · 119 DOM
Sold · Mar ’26$299,900
3671 E RYAN STREET · same community
3 bd · 2 ba · 1,461 sqft · $205/sqft · 79 DOM
Sold · Jan ’26$235,000
3943 E DANO STREET · same community
3 bd · 2 ba · 1,435 sqft · $164/sqft · 62 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 3645 E SANDERS AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3645 E SANDERS 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
3645 E SANDERS AVENUE FAQs
What would the monthly payment be for 3645 E SANDERS AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,074/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 3645 E SANDERS AVENUE?+
The most recent tax bill on record (2025) was $185. 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 3645 E SANDERS AVENUE?+
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 Inverness?+
At $299,900, this home is listed about 16% above the Inverness median of $258,450. The market section on this page shows how the area is trending.
Which schools are assigned to 3645 E SANDERS AVENUE?+
Hernando Elementary School (elementary), Inverness Middle School (middle), Citrus High School (high) — Citrus 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
$299,900 runs 631% above the INVERNESS 34453 median — but at 2,044 sqft it's also 39% larger than the typical Inverness listing.
02Time on market is leverage
227 days on market against a Inverness median of 25 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $334,900, now $299,900 — a $35K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of NEW HOME STAR FLORIDA LLC · Taryn Mashburn. MLS #O6368328.
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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