
1140 S HIGHLANDS AVENUE, INVERNESS, FL, 34452
Active66 days on marketListed Jun 1, 2026MLS #OM725792
About this home
1140 S HIGHLANDS AVENUE
See Realtor Remarks: Own for less than rent in one of the South's most desirable small towns—Inverness, Florida, ranked the #2 Small Town in the South by USA Today's 2026 10Best Readers' Choice Awards. This charming mid-century ranch showcases the character, craftsmanship, and architectural details that set it apart from today's builder-grade construction. This 3-bedroom, 2-bathroom home with an oversized 2-car garage is situated on an elevated, tree-shaded homesite in the quiet South Highlands neighborhood just south of Historic Downtown Inverness. The South Highlands neighborhood earned its name for a reason. The home's elevated location places it in Flood Zone X, where no flood insurance is required. Inside, 1,412 square feet of living space is arranged in a split-bedroom floor plan that delivers the comfort and functionality of a larger home without the demands often associated with larger homes. The kitchen and bathrooms have been updated, complemented by commercial-grade luxury vinyl plank flooring that flows throughout the residence. The efficiently designed kitchen features a breakfast bar, induction cooktop, double oven, dishwasher, double sink, and space for a large refrigerator. The formal dining room is anchored by a traditional wood-burning fireplace featuring a Colonial/Federal-inspired white mantel and marble surround, creating a warm focal point for the home. This flexible space can also serve as a family room, home office, study, or bonus room. From here, French doors open to a screened porch overlooking the fenced backyard, a feature parents of little ones and animal lovers alike will appreciate. The oversized two-car garage provides additional depth, generous clearance, and a substantial built-in storage loft. Recent improvements include French doors (2025), well foot valve replacement (2025), chain-link fenced backyard (2024), central air & heat (2023), utility shed (2023), composite plantation shutters (2023), whole-house water filtration and water softener system (2023), and garage door opener (2023). The metal roof was installed in 2015. Just minutes from downtown Inverness, medical facilities, schools, shopping, restaurants, and year-round community festivals and events, the property also enjoys convenient access to multiple public boat launches on Lake Henderson and the Tsala Apopka Chain of Lakes. Outdoor enthusiasts will appreciate being near the Withlacoochee State Trail, the approximately 50,000-acre Citrus Tract of the Withlacoochee State Forest, and the 290-acre Whispering Pines Park, which features a 25-meter junior Olympic-size swimming pool, splash pad, pickleball courts, tennis courts, basketball courts, walking and biking trails, and two 18-basket disc golf courses. Centrally located within Florida's Nature Coast, this home offers easy access to Crystal River, Ocala, The Villages, and the region's many amenities and attractions.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,412
Sqft
0.22 ac
Lot size
2
Garage
1969
Year built
One
Levels
$170
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 — not generic estimates.
$1,760 /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
$1,760/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
+2.2%
$/sqft vs INVERNESS HIGHLANDS SOUTH
$170 vs $174
Days on market
66 vs 38 typical
Where $170/sqft sits among the 13 homes for sale in INVERNESS HIGHLANDS SOUTH
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
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Inverness. See the full Inverness guide →
INVERNESS 34452 — neighborhood snapshot
Population
13,729
Median age
46.8
Median income
$58,199
Median home value
$207,200
Avg household
2.35
Households w/ children
1,419
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
$235K → $265K
Inverness median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
6 of 13
INVERNESS HIGHLANDS SOUTH have cut their price
Median sold price, Inverness, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 65% above the INVERNESS 34452 median. See the full Inverness market guide →
Paper trail
This home's history
Reality check
What actually sold near 1140 S HIGHLANDS AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$255,000
800 SOUTHERLY AVENUE · same community
2 bd · 2 ba · 1,409 sqft · $181/sqft · 8 DOM
Sold · Sep ’25$228,000
818 PALM AVENUE · same community
4 bd · 2 ba · 1,392 sqft · $164/sqft · 22 DOM
Sold · Feb ’26$287,000
222 W INVERNESS BOULEVARD · same community
3 bd · 2 ba · 1,386 sqft · $207/sqft · 23 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 1140 S HIGHLANDS AVENUE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1140 S HIGHLANDS AVENUE — 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
1140 S HIGHLANDS AVENUE FAQs
What would the monthly payment be for 1140 S HIGHLANDS AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,760/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 1140 S HIGHLANDS AVENUE?+
The most recent tax bill on record (2025) was $977. 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 $239,900, this home is listed about 7% below the Inverness median of $258,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1140 S HIGHLANDS AVENUE?+
Pleasant Grove 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.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 J.W.MORTON R.E. · Wayne Buhler. MLS #OM725792.
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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