3915 S SPANIEL TRAIL, INVERNESS, FL, 34450
Active64 days on marketListed May 21, 2026MLS #O6408634
About this home
3915 S SPANIEL TRAIL
Welcome to your private slice of Florida living, where space and everyday comfort come together on over 3 acres of land. Built in 1986, this custom home offers over 1,600 square feet of open-concept living with well-maintained carpet and tile throughout, creating a comfortable feel from the moment you walk in. The kitchen flows seamlessly into the main living areas, ideal for entertaining or simply enjoying the space, and comes fully equipped with all appliances, including washer, dryer, refrigerator, and dishwasher. The split floor plan features three spacious bedrooms and two bathrooms, including a primary suite with 2 separate closets for added convenience. Step outside to a backyard designed for how buyers actually want to live—complete with a detached workshop/garage combo! The options are endless! The water softener, water heater, AC, exterior paint, and electrical panel are less than 3 years old for added peace of mind. The property boasts more than ample room for boats, RVs, or future additions, as well as over 700 feet of water frontage on a canal connected to the Tsala-Apopka chain of lakes! Just minutes to boat ramps, golf, shopping, dining, and more. Properties offering this combination of land and fully built-out outdoor living are hard to find—schedule your private showing before it’s gone.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,612
Sqft
3.79 ac
Lot size
4
Garage
1986
Year built
One
Levels
$357
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.
$3,822 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$3,822/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+86.2%
Days on market
64 vs 25 typical
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 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
$240K → $270K
Inverness median sold, yr/yr
96.2%
Sale-to-list ratio (12 mo)
Median sold price, Inverness, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 215% above the INVERNESS 34450 median. See the full Inverness market guide →
Paper trail
This home's history
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 3915 S SPANIEL TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3915 S SPANIEL TRAIL — 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
3915 S SPANIEL TRAIL FAQs
What would the monthly payment be for 3915 S SPANIEL TRAIL?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,822/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 3915 S SPANIEL TRAIL?+
The most recent tax bill on record (2025) was $4,121. 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 $575,000, this home is listed about 122% above the Inverness median of $258,450. The market section on this page shows how the area is trending.
Which schools are assigned to 3915 S SPANIEL TRAIL?+
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
Three things that matter here
01Positioned at the premium end
$575,000 runs 215% 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
64 days on market against a Inverness median of 25 — sellers in this position are usually ready to negotiate.
Listing courtesy of OLYMPUS EXECUTIVE REALTY INC · Matt MacNab. MLS #O6408634.
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.
Never miss a listing
New Inverness homes, in your inbox
Like 3915 S SPANIEL TRAIL but not quite? A daily digest of every new listing in Inverness — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →