3858 S OSPREY POINT, INVERNESS, FL, 34450
Active197 days on marketListed Jan 9, 2026MLS #OM716344
About this home
3858 S OSPREY POINT
Situated in an established residential area, this property offers a peaceful setting with nearby water features and providing a balance of privacy and community. The lot is conveniently located just minutes from shopping, dining, medical facilities, and everyday necessities, while still offering easy access to outdoor recreation, including lakes, parks, and nature trails that Inverness is known for. Whether you’re looking to build a primary residence, seasonal home, or hold as an investment, this property presents excellent potential. No HOA and flexible building options make this an ideal opportunity for buyers seeking freedom and long-term value in Citrus County. Buyer to perform all due diligence regarding zoning, utilities, and building requirements. Don’t miss the opportunity to secure a homesite in this desirable Inverness location.
Facts & features
The home at a glance
0.44 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.
$298 /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
$298/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 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 89% below the INVERNESS 34450 median. See the full Inverness market guide →
Paper trail
This home's history
Reality check
What actually sold near 3858 S OSPREY POINT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$240,000
3341 S JEAN POINT · same community
3 bd · 2 ba · 1,276 sqft · $188/sqft · 60 DOM
Sold · Aug ’25$1,120,000
2800 NE 56th Ct, Fort Lauderdale FL 33308 · same community
2 bd · 2 ba · 1,548 sqft · $724/sqft · 91 DOM
Sold · Feb ’26$1,050,000
5601 Bayview Dr, Fort Lauderdale FL 33308 · same community
2 bd · 2.5 ba · 1,874 sqft · $560/sqft · 3 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 3858 S OSPREY POINT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3858 S OSPREY POINT — 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
3858 S OSPREY POINT FAQs
What would the monthly payment be for 3858 S OSPREY POINT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $298/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 3858 S OSPREY POINT?+
The most recent tax bill on record (2025) was $137. 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 $20,000, this home is listed about 92% below the Inverness median of $258,450. The market section on this page shows how the area is trending.
Which schools are assigned to 3858 S OSPREY POINT?+
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.
Keep looking
Similar homes nearby
Listing courtesy of PLATINUM HOMES AND LAND REALTY · Jorge DeSousa. MLS #OM716344.
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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