
1022 W CARY DRIVE, CITRUS SPRINGS, FL, 34434
Active213 days on marketListed Jan 8, 2026MLS #O6372328
About this home
1022 W CARY DRIVE
PRICED TO SELL – HIGH-DEMAND LOT WITH UPCOMING PUBLIC WATER IN FAST-GROWING CITRUS SPRINGS! Secure your next build or investment opportunity now in one of Citrus Springs’ most affordable and rapidly expanding residential areas. This 80-foot frontage lot sits on a paved road in a Flood Zone X location, offering low flood risk, lower insurance costs, and strong resale potential. ?? MAJOR VALUE ADD: The city is bringing public water to this area, a significant infrastructure improvement that enhances buildability, reduces future development costs, and directly increases property value. Lots with upcoming utilities are becoming increasingly scarce and are highly sought after by builders and investors. No HOA, no mandatory flood insurance, and low holding costs make this lot an ideal buy-and-hold, spec build, or custom home site. The surrounding area continues to see new construction and population growth, driving strong buyer demand and long-term appreciation. Located near parks, golf courses, shopping, dining, medical facilities, and the Withlacoochee State Trail, this property combines lifestyle appeal with solid investment fundamentals. The quiet residential setting paired with improving infrastructure makes this a strategic acquisition in today’s land market. With limited inventory of buildable lots at this price point and public water expansion underway, opportunities like this are moving fast. Act now before utility improvements are fully completed and prices rise. Strong upside, minimal risk, and excellent long-term value—this is the one to buy.
Facts & features
The home at a glance
0.23 ac
Lot size
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.
$408 /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
$408/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.
Where it sits
Inside Citrus Springs
Get to know Citrus Springs. See the full Citrus Springs guide →
For the school run
Citrus County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Citrus Springs market
$269K → $260K
Citrus Springs median sold, yr/yr
98.8%
Sale-to-list ratio (12 mo)
Median sold price, Citrus Springs, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 1022 W CARY DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$185,000
7120 N GLENRIDGE CIRCLE · same community
3 bd · 2 ba · 1,421 sqft · $130/sqft · 38 DOM
Sold · Jan ’26$260,000
7065 N HERITAGE DRIVE · same community
3 bd · 2 ba · 1,477 sqft · $176/sqft · 72 DOM
Sold · Nov ’25$256,000
129 W GONDOLIER PLACE · same community
3 bd · 2 ba · 1,482 sqft · $173/sqft · 28 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 1022 W CARY DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1022 W CARY DRIVE — 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
1022 W CARY DRIVE FAQs
What would the monthly payment be for 1022 W CARY DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $408/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 1022 W CARY DRIVE?+
The most recent tax bill on record (2025) was $693. 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 Citrus Springs?+
At $29,990, this home is listed about 89% below the Citrus Springs median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1022 W CARY DRIVE?+
Citrus Springs Elementary School (elementary), Citrus Springs 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 KASA REAL ESTATE LLC · Luiz Silva. MLS #O6372328.
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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