1304 CYPRESS COVE COURT, INVERNESS, FL, 34450
Active28 days on marketListed Jul 16, 2026MLS #OM728605
About this home
1304 CYPRESS COVE COURT
See Realtor Remarks: Waterfront Living! 2-Story Villa on the canal to the Tsala Apopka Chain of Lakes! Experience the perfect blend of convenience and coastal charm in this attached villa, perfectly positioned just inside the Inverness city limits. This two-story home features luxury vinyl plank flooring flowing throughout the entire space. Peace of mind comes standard here, as the home is currently being updated with a brand-new AC system to ensure year-round comfort. 2 Spacious Bedrooms and 2.5 Baths (Convenient half-bath on the main level) You have a back lanai both upstairs and downstairs to sit and relax. Step outside and embrace the Florida lifestyle. Located in a quiet, established waterfront community, you are just steps away from the water’s edge. The community water access leads directly to the Tsala Apopka Chain of Lakes, perfect for fishing, kayaking, or sunset cruises. Amenities include boat docks that are available on a first-come, first-serve basis. When you aren't on the water, spend your afternoons relaxing by the sparkling community pool. This home offers the "best of both worlds" location where you are minutes from downtown to enjoy historic charm, shops, and dining of downtown Inverness but yet only 15 minutes from I-75, making this an ideal home for those who travel or work in surrounding areas but want a peaceful retreat to return to.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,230
Sqft
0.05 ac
Lot size
1985
Year built
Two
Levels
$122
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.
$1,646 /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
$1,646/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
−1.7%
$/sqft vs Inverness actives
$122 vs $179
Days on market
28 vs 47 typical
Where $122/sqft sits among the 189 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
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Inverness. See the full Inverness guide →
INVERNESS 34450 — neighborhood snapshot
Population
10,408
Median age
59.5
Median income
$48,955
Median home value
$210,200
Avg household
2.04
Households w/ children
604
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 → $250K
Inverness median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
93 of 189
Inverness actives have cut their price
Median sold price, Inverness, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 22% below the INVERNESS 34450 median. See the full Inverness market guide →
Paper trail
This home's history
Reality check
What actually sold near 1304 CYPRESS COVE COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$120,000
1288 CYPRESS COVE COURT · same community
2 bd · 2.5 ba · 1,230 sqft · $98/sqft · 77 DOM
Sold · Nov ’25$148,500
1336 CYPRESS COVE COURT · same community
2 bd · 2.5 ba · 1,230 sqft · $121/sqft · 79 DOM
Sold · Dec ’25$150,000
1264 CYPRESS COVE COURT · same community
2 bd · 2.5 ba · 1,230 sqft · $122/sqft · 11 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 1304 CYPRESS COVE COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1304 CYPRESS COVE 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
1304 CYPRESS COVE COURT FAQs
What would the monthly payment be for 1304 CYPRESS COVE COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,646/mo — principal and interest, the actual property-tax bill, the $333/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 1304 CYPRESS COVE COURT?+
The association fee works out to $333 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1304 CYPRESS COVE COURT?+
The most recent tax bill on record (2025) was $2,447. 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 1304 CYPRESS COVE COURT?+
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 $149,900, this home is listed about 42% below the Inverness median of $259,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1304 CYPRESS COVE COURT?+
Inverness Middle School (middle), Citrus High School (high), Inverness Primary School (elementary) — 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 #OM728605.
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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