919 SPRUCE STREET, INVERNESS, FL, 34452
Active2 days on marketListed Jul 23, 2026MLS #OM729059
About this home
919 SPRUCE STREET
* 3-bedroom, 2 bath, 2 car garage * Upgrades throughout! * Luxury Vinyl Plank Flooring * Stainless steel appliances * Granite Counter Tops * Open Split Floor Plan * Master Bedroom has tray ceiling and double closets * Master Bathroom has double sink, walk in shower and private toilet * Great Lot! * Minutes to downtown Inverness, HCA Citrus Hospital, schools, shopping and more! * Less than a quarter mile from the Withlacoochee State Bike Trail * Pets are at the owner's discretion, $300 non-refundable pet fee *
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,518
Sqft
0.22 ac
Lot size
2
Garage
2024
Year built
One
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$173 /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
$173/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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 INVERNESS HIGHLANDS SOUTH
$1 vs $174
Days on market
2 vs 25 typical
Where $1/sqft sits among the 17 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
$240K → $270K
Inverness median sold, yr/yr
96.2%
Sale-to-list ratio (12 mo)
9 of 17
INVERNESS HIGHLANDS SOUTH have cut their price
Median sold price, Inverness, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the INVERNESS 34452 median. See the full Inverness market guide →
Paper trail
This home's history
Reality check
What actually sold near 919 SPRUCE STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$264,000
515 WRIGHT STREET · same community
2 bd · 2 ba · 1,532 sqft · $172/sqft · 107 DOM
Sold · Apr ’26$279,900
616 E INVERNESS BOULEVARD · same community
3 bd · 2 ba · 1,533 sqft · $183/sqft · 3 DOM
Sold · Mar ’26$230,000
1403 LAKESHORE DRIVE · same community
3 bd · 2 ba · 1,541 sqft · $149/sqft · 41 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 919 SPRUCE STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 919 SPRUCE 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
919 SPRUCE STREET FAQs
What would the monthly payment be for 919 SPRUCE STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $173/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 919 SPRUCE STREET?+
The listing reports pets: Dogs OK, Number Limit, Size 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 Inverness?+
At $1,800, this home is listed about 99% below the Inverness median of $258,450. The market section on this page shows how the area is trending.
Which schools are assigned to 919 SPRUCE STREET?+
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 COLDWELL BANKER INVESTORS REAL · Jen Tessmer. MLS #OM729059.
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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