4486 N LAKE VISTA TRAIL, HERNANDO, FL, 34442
Active136 days on marketListed Mar 19, 2026MLS #OM721122
About this home
4486 N LAKE VISTA TRAIL
Welcome to beautiful Arbor Lakes! one of Citrus County's most desirable and peaceful communities. This stunning Jasmine model offers 3 bedrooms, 2 bathrooms, and over 2,000 sq ft of comfortable living space (2,654 total under roof), perfectly situated on a .16-acre lot. Built in 2006, this well-maintained home features a spacious 2-car garage and a brand-new roof installed in March 2026, providing peace of mind for years to come. Inside, you"ll find laminate wood flooring throughout the main living areas, plush carpeting in the bedrooms, and ceramic tile flooring in all bathrooms, along with fully tiled showers and bath areas. The oversized primary suite is a true retreat, featuring two walk-in closets, a private entrance to the enclosed lanai, and a luxurious en-suite bathroom with dual solid-surface vanities, a grand walk-in shower, and a private lavatory, creating a true spa-like retreat. The kitchen is well-appointed with granite countertops, maple cabinetry, and a ceramic undermount sink. Enjoy casual dining in the eat-in kitchen, complete with a convenient built-in desk area, perfect for organization or a small home workspace. Enjoy the enclosed lanai, ideal for relaxing or entertaining year-round while taking in the peaceful surroundings. Residents of Arbor Lakes enjoy access to a community pool and recreation center, as well as the opportunity to fish from the dock. Located in a quiet, well-kept neighborhood, this home offers the perfect blend of comfort, style, and convenience.- lawn mowing, edging, periodic trimming of bushes from AC unit around to edge of front lanai. Villa Fee includes - weed and pest spraying on lawns and sidewalks as needed - once a year mulching of front beds each spring - sprinkler maintenance -- ie spray heads, rotors -- inspected once each spring and repaired as needed all year (Except for the solenoids - zone valves ,sprinkler control boxes, rain sensor and timer issues -- these are homeowner responsibility) - painting of exterior of villa - approximately once every 8-10 years
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,000
Sqft
0.16 ac
Lot size
2
Garage
2006
Year built
One
Levels
$158
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.
$2,567 /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
$2,567/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.
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
+1.2%
$/sqft vs Hernando actives
$158 vs $197
Days on market
136 vs 37 typical
Where $158/sqft sits among the 97 Hernando actives
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)
50 of 97
Hernando actives have cut their price
Median sold price, Hernando, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 20% above the HERNANDO 34442 median. See the full Hernando market guide →
Paper trail
This home's history
Reality check
What actually sold near 4486 N LAKE VISTA TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$375,000
3773 E LAKE TODD DRIVE
3 bd · 2 ba · 1,999 sqft · $188/sqft · 14 DOM
Sold · Aug ’25$355,000
3759 E TEAL COVE COURT
2 bd · 2 ba · 1,952 sqft · $182/sqft · 4 DOM
Sold · Jan ’26$227,000
4744 N PINE DRIVE
4 bd · 2 ba · 2,052 sqft · $111/sqft · 56 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 4486 N LAKE VISTA TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4486 N LAKE VISTA 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
4486 N LAKE VISTA TRAIL FAQs
What would the monthly payment be for 4486 N LAKE VISTA TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,567/mo — principal and interest, the actual property-tax bill, the $172/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 4486 N LAKE VISTA TRAIL?+
The association fee works out to $172 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4486 N LAKE VISTA TRAIL?+
The most recent tax bill on record (2025) was $2,892. 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 4486 N LAKE VISTA TRAIL?+
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 $315,000, this home is listed about 15% below the Hernando median of $372,500. The market section on this page shows how the area is trending.
Which schools are assigned to 4486 N LAKE VISTA TRAIL?+
Hernando Elementary School (elementary), Citrus Springs 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
$315,000 runs 20% above the HERNANDO 34442 median.
02Time on market is leverage
136 days on market against a Hernando median of 37 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $324,900, now $315,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CB/ELLISON RLTY WEST · Brian McCarthy. MLS #OM721122.
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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