2786 N CANTERBURY LAKE DRIVE, HERNANDO, FL, 34442
Pending56 days on marketListed Jun 8, 2026MLS #OM726220
About this home
2786 N CANTERBURY LAKE DRIVE
See Realtor Remarks: Meticulously maintained by the original owners, this exceptional residence in the desirable Citrus Hills community of the Canterbury Lake Estates subdivision offers comfort, quality, and pride of ownership throughout. Situated on a beautifully landscaped homesite, this move-in-ready home features an open, light-filled floor plan with soaring ceilings, neutral finishes, and spacious living areas designed for both everyday living and entertaining. The inviting great room flows seamlessly into the dining area and kitchen, creating a welcoming atmosphere for family gatherings and guests. The well-appointed kitchen offers abundant solid wood cabinetry, generous Corian counter space, and a convenient breakfast nook overlooking the backyard. Large windows and sliding glass doors bring in natural light while providing views of the outdoor living spaces. The large screened in lanai offers abundant space for outdoor living and entertaining. There is also an electric 220 line cap ready to add your hot tub! Recent major improvements provide peace of mind for years to come, including a new roof installed in 2022 and an HVAC system replaced in 2017. The HVAC has been professionally serviced twice annually by Seneca, and includes a transferable warranty through May 2027. Other improvements include exterior whole house paint and a new refrigerator in 2025 and new garage door spring in 2026. Added bonus anti-slip coating on lanai, porch and garage floors for added safety. This lovingly cared-for home reflects true ownership pride, with meticulous maintenance evident throughout the interior and exterior. Ownership includes the highly desirable Citrus Hills Social Membership, providing access to three championship golf courses, (golf membership not included) three restaurants, multiple swimming pools—including an indoor lap pool, heated outdoor pools, and clubhouse pools—along with world-class fitness and spa facilities. Residents also enjoy more than 250 monthly fitness and wellness classes, tennis and pickle ball courts, and participation in over 50 social clubs. Canterbury Lake Estates offers a well-appointed clubhouse with a community pool, tennis and pickleball courts, billiards and Ping-Pong tables, providing a great setting for recreation and neighborly gatherings. The Withlacoochee State Trail is nearby, providing miles of scenic paved paths for biking, walking, and jogging. Lake Hernando is also just minutes away, offering opportunities for kayaking, fishing, and enjoying Florida’s natural beauty. Conveniently located near golf, shopping, dining, medical facilities, and the natural beauty of Florida's Nature Coast, this is an outstanding opportunity to own a quality home in one of Hernando's most desirable communities.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,815
Sqft
0.22 ac
Lot size
2
Garage
2003
Year built
One
Levels
$162
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.
$2,195 /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
$2,195/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
+3.8%
$/sqft vs Hernando actives
$162 vs $197
Days on market
56 vs 38 typical
Where $162/sqft sits among the 98 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
$326K → $348K
Hernando median sold, yr/yr
95.0%
Sale-to-list ratio (12 mo)
51 of 98
Hernando actives have cut their price
Median sold price, Hernando, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 12% above the HERNANDO 34442 median. See the full Hernando market guide →
Paper trail
This home's history
Reality check
What actually sold near 2786 N CANTERBURY LAKE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$239,000
3059 N CHANDLER DRIVE · same community
3 bd · 2 ba · 1,866 sqft · $128/sqft · 163 DOM
Sold · Apr ’26$268,000
2804 N CANTERBURY LAKE DRIVE · same community
3 bd · 2 ba · 1,725 sqft · $155/sqft · 23 DOM
Sold · Feb ’26$295,000
2726 N CANTERBURY LAKE DRIVE · same community
3 bd · 2 ba · 1,713 sqft · $172/sqft · 143 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 2786 N CANTERBURY LAKE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2786 N CANTERBURY LAKE 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
2786 N CANTERBURY LAKE DRIVE FAQs
What would the monthly payment be for 2786 N CANTERBURY LAKE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,195/mo — principal and interest, the actual property-tax bill, the $35/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 2786 N CANTERBURY LAKE DRIVE?+
The association fee works out to $35 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2786 N CANTERBURY LAKE DRIVE?+
The most recent tax bill on record (2025) was $1,601. 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 2786 N CANTERBURY LAKE 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 Hernando?+
At $294,900, this home is listed about 21% below the Hernando median of $372,450. The market section on this page shows how the area is trending.
Which schools are assigned to 2786 N CANTERBURY LAKE DRIVE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 J.W.MORTON R.E. · Wayne Buhler. MLS #OM726220.
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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