10270 W GROTTO COURT, HOMOSASSA, FL, 34448
Active63 days on marketListed Jun 11, 2026MLS #OM726447
About this home
10270 W GROTTO COURT
Turnkey waterfront property offering direct canal access to the Homosassa River. This 2-bedroom, 1-bathroom home has 1,008 square feet of fully furnished living space. Property includes 60 feet of robust seawall, dock your boat right in your backyard with 2 point davits. Gulf Access: Navigate the canal directly out to the Homosassa River, blue freshwater springs, Monkey Island, or the Gulf of America. Swim, kayak, and experience world-class manatee encounters and scalloping directly from home. Travel seamlessly by boat to three popular local waterfront tiki bar restaurants. Durable and stylish luxury vinyl plank flooring flows seamlessly through the home. solid-surface countertops, window drapes, and an open layout. efficient ductless mini-split heating and cooling systems. washer and dryer. Includes a paved concrete driveway with an attached carport and a fully enclosed chain-link fenced yard. Investment & Turnkey Potential.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
1,008
Sqft
0.12 ac
Lot size
1971
Year built
One
Levels
$252
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.
$2,018 /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
$2,018/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.
$/sqft vs Homosassa actives
$252 vs $174
Days on market
63 vs 63 typical
Where $252/sqft sits among the 223 Homosassa 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 Homosassa
Get to know Homosassa. See the full Homosassa guide →
HOMOSASSA 34448 — neighborhood snapshot
Population
10,741
Median age
56
Median income
$47,526
Median home value
$166,000
Avg household
2.28
Households w/ children
866
For the school run
Citrus County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Homosassa market
$314K → $303K
Homosassa median sold, yr/yr
95.9%
Sale-to-list ratio (12 mo)
113 of 223
Homosassa actives have cut their price
Median sold price, Homosassa, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 15% above the HOMOSASSA 34448 median. See the full Homosassa market guide →
Paper trail
This home's history
Reality check
What actually sold near 10270 W GROTTO COURT
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$185,000
5269 S JAMES TERRACE
3 bd · 2 ba · 1,068 sqft · $173/sqft · 4 DOM
Sold · Sep ’25$313,000
10464 W OLIVER STREET
2 bd · 1 ba · 864 sqft · $362/sqft · 34 DOM
Sold · Jul ’26$310,000
5164 S SWIFTWATER WAY
2 bd · 2 ba · 1,200 sqft · $258/sqft · 118 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 10270 W GROTTO COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10270 W GROTTO COURT — 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
10270 W GROTTO COURT FAQs
What would the monthly payment be for 10270 W GROTTO COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,018/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 10270 W GROTTO COURT?+
The most recent tax bill on record (2025) was $3,008. 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 Homosassa?+
At $253,900, this home is listed about 27% below the Homosassa median of $347,700. The market section on this page shows how the area is trending.
Which schools are assigned to 10270 W GROTTO COURT?+
Rock Crusher Elementary School (elementary), Crystal River Middle School (middle), Crystal River 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
$253,900 runs 15% above the HOMOSASSA 34448 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $258,900, now $253,900 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER ELLISON REALTY O · Anthony White. MLS #OM726447.
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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