David Ramirez
$475,0003 bd2 ba2,009 sqft$236 /sqft$3,222 /mo all-in ↓

399 W MASSACHUSETTS STREET, HERNANDO, FL, 34442

Active88 days on marketListed Apr 27, 2026MLS #OM723613

New constructionSingle Family ResidenceCITRUS HILLS 1ST ADD

About this home

399 W MASSACHUSETTS STREET

Discover a 2025 custom-built home in Citrus Hills that delivers the style and quality of new home without the wait, the stress, or the rising costs. This 3-bedroom 2 bath home, built by Bruce Kaufman Construction, offers a modern, upgraded living experience that is ready for you now. Instead of construction delays, and unexpected expenses, you can step into a completed home that already reflects thoughtful design and high-end finishes. From the moment you arrive, the stone exterior accents, dual glass door entry, and side entry 2-car garage create an immediate sense of style and curb appeal. Once inside, the home features a spacious open layout, with 2,009 sq ft of living, that feels bright, welcoming, and perfectly suited for both everyday living. The main living area flows into a beautifully appointed kitchen with granite countertops, pendant lighting, generously sized island for meal prepping, stainless appliances, breakfast nook with picture window and ample soft-close cabinetry, creating a functional and stylish centerpiece for the home. Natural light pours into the open living room through the triple sliders, and the formal dining area gives you a dedicated space to bring everyone together for celebrations. The primary suite provides a quiet retreat, with sliders that opens to the expansive lanai—an ideal spot to enjoy morning coffee or unwind in the evening and the primary bath showcases a walk-in shower and oversized soaking tub for ultimate relaxation. The split floor plan offers 2 additional bedrooms, and the main bathroom gives you direct access to the outdoor area, making the home perfectly positioned for a future pool should you choose to add one. Situated on .99 acres, the property gives you the space to design the outdoor environment you’ve always wanted. Whether your vision includes a pool, an outdoor kitchen, or extended entertaining areas, the hard part is already done: the home is built, the upgrades are in place, and the setting is ready for your personal touch. Located in a peaceful, established neighborhood a few short minutes from shopping, restaurants, golf courses, and medical facilities. You'll be a few miles from Inverness and less than 5 miles to the Shoppes at Black Diamond in Lecanto (Target, Aldi, Texas Roadhouse, Panera Bread and more coming soon). Skip the uncertainty of building and start enjoying the Florida lifestyle right away. Come see why this move in ready home is the smarter choice!

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

2,009

Sqft

0.99 ac

Lot size

2

Garage

2025

Year built

One

Levels

$236

Per sqft

Pets allowed

Inside

FlooringCarpet · Tile
AppliancesDishwasher · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingHeat Pump

Outside & construction

RoofShingle
ConstructionBlock · Concrete · Stucco
FoundationSlab
FacesSouth
ExteriorPrivate Mailbox · Sliding Doors

Community & fees

HOA fee$15/mo
Taxes (2025)$486/yr
PetsYes

Utilities & systems

UtilitiesCable Available · Electricity Connected · Water Available
WaterWell

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.

$3,222 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,796
FHA mortgage insurance (est.)$210
Property tax — 2025 actual bill$41
HOA fee — from the listing$15
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $16,625Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $16,625
Interest rate6.00%
Loan term

Estimated payment

$3,222/mo

Principal & interest$2,796
FHA mortgage insurance (est.)$210
Property taxes (actual bill)$41
HOA / condo fee$15
Est. insurance$160

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.

List $475K
$430KedgeAI estimate $457,556 · range $448K$462K$494K

vs edgeAI estimate

+3.8%

$/sqft vs CITRUS HILLS 1ST ADD

$236 vs $212

Days on market

88 vs 37 typical

Where $236/sqft sits among the 23 homes for sale in CITRUS HILLS 1ST ADD

5
4
5
2 · this home
4
3
$169–187$187–205$205–223$223–241$241–260$260+

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

Map of 399 W MASSACHUSETTS STREET

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

ElementaryForest Ridge Elementary School★★★★★
MiddleLecanto Middle School★★★★★
HighLecanto High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Hernando market

Seller’s marketBalanced5.3 months of inventoryBuyer’s 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 73% above the HERNANDO 34442 median. See the full Hernando market guide →

Paper trail

This home's history

Apr 27, 2026Listed at $475,000 · 88 days on market since
2025Built · CITRUS HILLS 1ST ADD

Reality check

What actually sold near 399 W MASSACHUSETTS STREET

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

61 E FALCONRY COURTSold · Sep ’25

$360,000

61 E FALCONRY COURT · same community

3 bd · 2 ba · 2,006 sqft · $179/sqft · 297 DOM

221 N NASHVILLE AVENUESold · May ’26

$399,000

221 N NASHVILLE AVENUE · same community

3 bd · 2.5 ba · 2,022 sqft · $197/sqft · 78 DOM

346 E KELLER COURTSold · Nov ’25

$395,000

346 E KELLER COURT · same community

3 bd · 2.5 ba · 1,974 sqft · $200/sqft · 93 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 399 W MASSACHUSETTS STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 399 W MASSACHUSETTS STREET — 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.

Goes straight to David’s phone and CRM.

Straight answers

399 W MASSACHUSETTS STREET FAQs

What would the monthly payment be for 399 W MASSACHUSETTS STREET?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,222/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 399 W MASSACHUSETTS STREET?+

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 399 W MASSACHUSETTS STREET?+

The most recent tax bill on record (2025) was $486. 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 399 W MASSACHUSETTS STREET?+

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 $475,000, this home is listed about 28% above the Hernando median of $372,500. The market section on this page shows how the area is trending.

Which schools are assigned to 399 W MASSACHUSETTS STREET?+

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.

Listing courtesy of KELLER WILLIAMS REALTY - ELITE PARTNERS II · Bruce Brunk. MLS #OM723613.

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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