11870 W RIVERHAVEN DRIVE, HOMOSASSA, FL, 34448
Pending180 days on marketListed Feb 3, 2026MLS #OM718061
About this home
11870 W RIVERHAVEN DRIVE
Virtually Staged. Step beyond the expected...this one-of-a-kind home offers more than just space-it delivers an experience. Tucked within the formal living room, a cleverly concealed door near the fireplace reveals a hidden bonus room, well suited for creating your own speakeasy-style lounge, media room, family room, or ultimate man cave retreat. You can golf cart to the river from this charming Riverhaven Village home and escape to refined waterfront living. Riverhaven Village offers a welcoming neighborhood atmosphere where residents enjoy morning walks, bike rides, and cruising the community by golf cart. The streets are often filled with neighbors out enjoying the Florida sunshine, creating a friendly and social environment that makes it easy to feel right at home. This fully remodeled hidden gem is MOVE-IN READY. This home offers flexible living and is currently configured as a 3-bedroom, 2-bath home with a bonus room, or may function as a 4-bedroom, 2-bath residence, as reflected by the Property Appraiser. The fourth bedroom easily lends itself as a home office, nursery, or guest retreat, accommodating a variety of lifestyle needs this room also has a separate entrance making it comfortable setup for extended family or overnight guests. Set along a serene canal with direct access to the Homosassa River and the Gulf of Mexico, this exceptional property is a boater’s dream, complete with a boat lift and tranquil water views. Inside, the home has been thoughtfully reimagined with stylish- imported tile flooring throughout, creating a seamless and elegant aesthetic. The gourmet kitchen features custom cabinetry and solid Corian countertops, thoughtfully selected for both everyday living and entertaining. A striking dual-sided fireplace serves as a dramatic focal point, connecting the formal living room with the family room, man cave, or entertainment space. Modern upgrades include two new HVAC systems, new windows and sliding glass doors, new window treatments, and an instant hot water heater for efficiency and comfort. Outdoors, enjoy two brand-new wood decks with gazebos, an inviting setting for alfresco dining, relaxing, or entertaining against a picturesque waterfront backdrop. Additional features include a detached garage, a metal roof that was installed November of 2020, a whole-house Generac generator for peace of mind, and a beautifully manicured front yard offering exceptional curb appeal. This move-in-ready waterfront estate blends luxury finishes, flexible living spaces, and unparalleled access to the waterways of Homosassa — an extraordinary opportunity to embrace the coastal lifestyle at its finest. The sellers flood insurance policy is transferable.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,259
Sqft
0.43 ac
Lot size
2
Garage
1981
Year built
One
Levels
$277
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.
$4,158 /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
$4,158/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.
$/sqft vs RIVERHAVEN VILLAGE
$277 vs $314
Days on market
180 vs 41 typical
Where $277/sqft sits among the 14 homes for sale in RIVERHAVEN VILLAGE
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 Homosassa
Get to know Homosassa. See the full Homosassa guide →
HOMOSASSA 34448 — neighborhood snapshot
Population
10,741
Median age
56
Median income
$47,526
Median home value
$166,000
Avg household
2.28
Households w/ children
866
For the school run
Citrus County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Homosassa market
$299K → $302K
Homosassa median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
6 of 14
RIVERHAVEN VILLAGE have cut their price
Median sold price, Homosassa, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 166% above the HOMOSASSA 34448 median. See the full Homosassa market guide →
Paper trail
This home's history
Reality check
What actually sold near 11870 W RIVERHAVEN DRIVE
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$400,000
11721 W RIVERHAVEN DRIVE · same community
3 bd · 2.5 ba · 2,202 sqft · $182/sqft · 175 DOM
Sold · Jul ’26$310,000
5060 S STETSON POINT DRIVE · same community
3 bd · 2 ba · 2,186 sqft · $142/sqft · 87 DOM
Sold · Sep ’25$575,000
11894 W RIVERHAVEN DRIVE · same community
3 bd · 3 ba · 2,184 sqft · $263/sqft · 0 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 11870 W RIVERHAVEN DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11870 W RIVERHAVEN 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
11870 W RIVERHAVEN DRIVE FAQs
What would the monthly payment be for 11870 W RIVERHAVEN DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,158/mo — principal and interest, the actual property-tax bill, the $15/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 11870 W RIVERHAVEN DRIVE?+
The association fee works out to $15 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 11870 W RIVERHAVEN DRIVE?+
The most recent tax bill on record (2025) was $4,526. 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 11870 W RIVERHAVEN DRIVE?+
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 Homosassa?+
At $624,900, this home is listed about 78% above the Homosassa median of $350,250. The market section on this page shows how the area is trending.
Which schools are assigned to 11870 W RIVERHAVEN DRIVE?+
Rock Crusher Elementary School (elementary), Crystal River Middle School (middle), Crystal River High School (high) — Citrus County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$624,900 runs 166% above the HOMOSASSA 34448 median — but at 2,259 sqft it's also 16% larger than the typical Homosassa listing.
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
180 days on market against a Homosassa median of 41 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $748,900, now $624,900 — a $124K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of TROTTER REALTY · Amy Maki. MLS #OM718061.
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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