2087 N ANNAPOLIS AVENUE, HERNANDO, FL, 34442
Active252 days on marketListed Nov 14, 2025MLS #OM713462
About this home
2087 N ANNAPOLIS AVENUE
Welcome home to this beautiful 2020-built 3-bedroom, 2-bath home nestled in the desirable Citrus Hills community that combines modern craftsmanship with elegant Florida living. Inside, the open floor plan features a split-bedroom layout, giving everyone their own space while keeping the heart of the home connected. The chef’s kitchen offers a large island, double ovens, tons of storage, and soft close cabinets, great for family meals or weekend entertaining. High tray ceilings with fans add an airy feel, while a flex room or office nook provide space for work or hobbies. The primary suite is a peaceful retreat with dual walk-in closets, a jetted tub, walk-in shower, dual sinks, and a separate water closet—a space designed for comfort and convenience. Step outside to your own backyard oasis with a screened lanai, sparkling in-ground pool with two fountains, outdoor shower, and paver patio, all within a fenced yard. This property offers something for everyone- a real show stopper in person!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,640
Sqft
1.04 ac
Lot size
2
Garage
2020
Year built
One
Levels
$244
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.
$4,494 /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
$4,494/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
+25.4%
$/sqft vs CITRUS HILLS 1ST ADD
$244 vs $212
Days on market
252 vs 37 typical
Where $244/sqft sits among the 23 homes for sale in CITRUS HILLS 1ST ADD
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 Hernando
Get to know Hernando. See the full Hernando guide →
HERNANDO 34442 — neighborhood snapshot
Population
16,356
Median age
65.7
Median income
$55,473
Median home value
$295,900
Avg household
2.03
Households w/ children
868
For the school run
Citrus County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Hernando market
$330K → $303K
Hernando median sold, yr/yr
95.1%
Sale-to-list ratio (12 mo)
15 of 23
CITRUS HILLS 1ST ADD have cut their price
Median sold price, Hernando, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 135% above the HERNANDO 34442 median. See the full Hernando market guide →
Paper trail
This home's history
Reality check
What actually sold near 2087 N ANNAPOLIS AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$460,000
1103 W UNION STREET · same community
4 bd · 2.5 ba · 2,647 sqft · $174/sqft · 167 DOM
Sold · Jul ’26$540,000
1829 W REDDING STREET · same community
3 bd · 3 ba · 2,650 sqft · $204/sqft · 115 DOM
Sold · Dec ’25$415,000
390 E FALCONRY COURT · same community
3 bd · 3 ba · 2,672 sqft · $155/sqft · 235 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 2087 N ANNAPOLIS AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2087 N ANNAPOLIS 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
2087 N ANNAPOLIS AVENUE FAQs
What would the monthly payment be for 2087 N ANNAPOLIS AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,494/mo — principal and interest, the actual property-tax bill, the $14/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 2087 N ANNAPOLIS AVENUE?+
The association fee works out to $14 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2087 N ANNAPOLIS AVENUE?+
The most recent tax bill on record (2024) was $7,177. 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 2087 N ANNAPOLIS 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 Hernando?+
At $645,000, this home is listed about 73% above the Hernando median of $372,500. The market section on this page shows how the area is trending.
Which schools are assigned to 2087 N ANNAPOLIS AVENUE?+
Forest Ridge Elementary School (elementary), Lecanto Middle School (middle), Lecanto 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
$645,000 runs 135% above the HERNANDO 34442 median — but at 2,640 sqft it's also 45% larger than the typical Hernando listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
252 days on market against a Hernando median of 37 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of EPIQUE REALTY INC. · Alice Prahm. MLS #OM713462.
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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