631 E LIBERTY STREET, HERNANDO, FL, 34442
Active13 days on marketListed Jul 8, 2026MLS #OM728102
About this home
631 E LIBERTY STREET
Virtually Staged. One or more photo(s) has been virtually staged. Exceptional Value in Citrus Hills – Pool Home on the Golf Course at a 130 ft above sea level! Priced to sell, this beautiful Pool home offers an outstanding opportunity to enjoy the sought-after Citrus Hills lifestyle at an exceptional value with an extensive Lanai and Pool surrounded by Trees for a private view! Perfectly situated along the golf course and surrounded by mature trees, this bright and spacious 3-bedroom, 2-bath home combines comfort, scenic views, and quality updates. Mature Landscaping enhances the curb appeal, creating a warm welcome from the moment you arrive. Step through elegant double entry doors with arched windows into a light-filled great room featuring a cozy wood-burning fireplace—an inviting space for both everyday living and entertaining. French doors open to a large, screened lanai, where you'll enjoy outdoor dining, relaxing by the sparkling pool, and peaceful golf course views. The spacious primary suite offers large closets, a luxurious jetted soaking tub, and a separate shower, while two additional bedrooms provide plenty of space for family or guests. The flexible living area easily accommodates a media center or can be arranged to fit your lifestyle. Major updates provide added value and peace of mind, including a new roof (2020) and HVAC system (2018). Additional features include an oversized two-car garage and a conveniently located laundry area near the guest bedrooms. Located in the highly desirable Citrus Hills community, the required social membership opens the door to an exceptional resort-style lifestyle. Enjoy championship golf, tennis, pickleball, bocce, a full-service fitness center and spa, multiple pools, three restaurants, dog parks, and a vibrant calendar of clubs and social events. Exciting new amenities—including the Rockwood Park Center and a resort-style pool—are currently being added, making this an even greater investment in your future. If you've been searching for a golf course pool home that offers space, updates, beautiful surroundings, and an unmatched amenity package at an attractive price, this home deserves a place at the top of your list. Come experience the best of Florida living in Citrus Hills!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,887
Sqft
0.5 ac
Lot size
2
Garage
1990
Year built
One
Levels
$212
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.
$2,873 /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
$2,873/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
+6%
$/sqft vs CITRUS HILLS 1ST ADD
$212 vs $213
Days on market
13 vs 37 typical
Where $212/sqft sits among the 23 homes for sale in CITRUS HILLS 1ST ADD
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
$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 44% above the HERNANDO 34442 median. See the full Hernando market guide →
Paper trail
This home's history
Reality check
What actually sold near 631 E LIBERTY STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$333,000
1684 W OLYMPIA STREET · same community
3 bd · 2 ba · 1,860 sqft · $179/sqft · 30 DOM
Sold · Apr ’26$355,000
884 W MASSACHUSETTS STREET · same community
3 bd · 2 ba · 1,973 sqft · $180/sqft · 1 DOM
Sold · Jan ’26$320,000
1448 W STAFFORD STREET · same community
3 bd · 2.5 ba · 1,778 sqft · $180/sqft · 46 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 631 E LIBERTY STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 631 E LIBERTY 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.
Straight answers
631 E LIBERTY STREET FAQs
What would the monthly payment be for 631 E LIBERTY STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,873/mo — principal and interest, the actual property-tax bill, the $13/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 631 E LIBERTY STREET?+
The association fee works out to $13 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 631 E LIBERTY STREET?+
The most recent tax bill on record (2025) was $2,060. 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 631 E LIBERTY STREET?+
The listing reports pets: Number Limit. 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 $399,500, this home is listed about 7% above the Hernando median of $372,500. The market section on this page shows how the area is trending.
Which schools are assigned to 631 E LIBERTY 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.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX FOXFIRE - HWY 40 · Paula Fuhst. MLS #OM728102.
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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