56 S NEEDLES POINT, INVERNESS, FL, 34453
Active63 days on marketListed May 21, 2026MLS #OM725128
About this home
56 S NEEDLES POINT
Tucked away on a quiet cul-de-sac in the gated community of Belmont Hills in Inverness, this spacious 3-bedroom, 2-bath pool home offers over 2,285 square feet of interior living space on an oversized .58-acre lot. With a grand double-door entry, paver driveway, side-entry 2-car garage, and classic Spanish tile roof, this home is filled with character, functionality, and endless potential for the next owner to make it their own. Designed with a desirable split floorplan, the home features multiple living spaces including a formal living room, family room, formal dining room, and a bright breakfast nook overlooking the screened-in pool area. The oversized kitchen offers Corian countertops, bar seating, center island, pantry, and plenty of cabinet space—perfect for entertaining or everyday living. One of the standout features is the seamless indoor-outdoor flow, with three separate access points to the screened lanai and pool area from the family room, formal living room, and spacious master suite. The formal living room’s sliding glass doors fully open to create an expansive connection to the outdoor living space. The private primary suite features hardwood flooring, a walk-in closet, and an oversized en-suite bath complete with double vanities, Corian countertops, a large walk-in shower, and relaxing jetted tub. Ceramic tile runs throughout the main living areas, while the guest bedrooms are comfortably carpeted. Additional highlights include plantation shutters, sliding shades over the glass doors, ceiling fans throughout, newer AC only 3 years old, indoor laundry room, vinyl-fenced backyard, and plenty of room to enjoy outdoor living. This home is ready for a little TLC and a new owner’s personal touch, making it an incredible opportunity. Located in one of Inverness’ sought-after gated communities, this home comes with a Social Membership to the Citrus Hills Golf & Country Club, offering access to championship golf, tennis, dining, the Bella Vita Spa & Fitness Center, walking trails, a dog park, and more. Motivated seller and priced to sell—don’t miss your chance to unlock the potential of this beautiful pool home!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,285
Sqft
0.58 ac
Lot size
2
Garage
2005
Year built
One
Levels
$175
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.
$3,314 /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
$3,314/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
−14.1%
$/sqft vs Inverness actives
$175 vs $179
Days on market
63 vs 25 typical
Where $175/sqft sits among the 194 Inverness 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 Inverness
Get to know Inverness. See the full Inverness guide →
INVERNESS 34453 — neighborhood snapshot
Population
10,473
Median age
53.5
Median income
$58,064
Median home value
$174,500
Avg household
2.21
Households w/ children
905
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)
90 of 194
Inverness actives have cut their price
Median sold price, Inverness, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 701% above the INVERNESS 34453 median. See the full Inverness market guide →
Paper trail
This home's history
Reality check
What actually sold near 56 S NEEDLES POINT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$455,000
1127 E WHIRL AWAY CIRCLE · same community
3 bd · 2 ba · 1,838 sqft · $248/sqft · 123 DOM
Sold · Nov ’25$375,000
615 N MAN O WAR DRIVE
3 bd · 2 ba · 2,248 sqft · $167/sqft · 34 DOM
Sold · Apr ’26$500,000
11 S SALISBURY TERRACE
3 bd · 3 ba · 2,339 sqft · $214/sqft · 163 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 56 S NEEDLES POINT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 56 S NEEDLES 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
56 S NEEDLES POINT FAQs
What would the monthly payment be for 56 S NEEDLES POINT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,314/mo — principal and interest, the actual property-tax bill, the $311/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 56 S NEEDLES POINT?+
The association fee works out to $311 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 56 S NEEDLES POINT?+
The most recent tax bill on record (2025) was $3,737. 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 56 S NEEDLES POINT?+
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 Inverness?+
At $399,990, this home is listed about 55% above the Inverness median of $258,450. The market section on this page shows how the area is trending.
Which schools are assigned to 56 S NEEDLES POINT?+
Hernando Elementary School (elementary), Inverness Middle School (middle), Citrus 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
$399,990 runs 701% above the INVERNESS 34453 median — but at 2,285 sqft it's also 56% larger than the typical Inverness 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
63 days on market against a Inverness median of 25 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $420,000, now $399,990 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA'S CHOICE REALTY · Sarah Lieto. MLS #OM725128.
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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