12 CACTUS STREET, HOMOSASSA, FL, 34446
Active61 days on marketListed Jun 4, 2026MLS #P4938925
About this home
12 CACTUS STREET
Pre-Construction. To be built. The MOMENT you walk in this home, you'll be stunned how open this home is. The 4-Bedroom Home is in Sugarmill Woods Community. Featuring 4 spacious bedrooms, 2.5 bathrooms, and a 3-car garage, this home offers modern living at its finest, with high-end upgrades and thoughtful design throughout. High ceilings, luxury vinyl plank flooring, and designer finishes. The kitchen is it die for with its quartz countertops, stainless steel appliances, custom cabinetry, and a large center island—perfect for entertaining and everyday living. The master bedroom is a true retreat with a spa-like essence, complete with dual vanities, a HUGE walk-in shower, and a stand alone tub. Three additional bedrooms (maybe an office) and a half bathroom and plenty of room for family, visitors, or a home office. Enjoy the convenience of a 3-car garage, modern fixtures, energy-efficient features, and plenty of storage. Outside, a covered patio invites you to relax and enjoy the Florida lifestyle. Located in the vibrant Sugarmill Woods Community. Don’t miss your chance to make it yours!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,265
Sqft
0.28 ac
Lot size
3
Garage
2026
Year built
One
Levels
$190
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.
$2,922 /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
$2,922/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
+12.4%
$/sqft vs SUGARMILL WOODS, OAK VILLAGE
$190 vs $180
Days on market
61 vs 54 typical
Where $190/sqft sits among the 9 homes for sale in SUGARMILL WOODS, OAK VILLAGE
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 Oak Village At Sugarmill Woods
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Homosassa. See the full Homosassa guide →
Oak Village At Sugarmill Woods — neighborhood snapshot
Population
2,929
Median age
71
Median income
$74,236
Median home value
$314,145
Avg household
2
Households w/ children
135
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)
1 of 9
SUGARMILL WOODS, OAK VILLAGE have cut their price
Median sold price, Homosassa, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 51% above the HOMOSASSA 34446 median. See the full Homosassa market guide →
Paper trail
This home's history
Reality check
What actually sold near 12 CACTUS 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$431,900
27 VILLAGE CENTER DRIVE · same community
4 bd · 2.5 ba · 2,265 sqft · $191/sqft · 48 DOM
Sold · May ’26$361,400
1 VINCA STREET · same community
4 bd · 3 ba · 2,286 sqft · $158/sqft · 42 DOM
Sold · Jul ’26$376,900
19 LOBELIA COURT · same community
4 bd · 3 ba · 2,092 sqft · $180/sqft · 182 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 12 CACTUS STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12 CACTUS 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
12 CACTUS STREET FAQs
What would the monthly payment be for 12 CACTUS STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,922/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 12 CACTUS 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 12 CACTUS STREET?+
The most recent tax bill on record (2025) was $342. 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 12 CACTUS STREET?+
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 Homosassa?+
At $429,900, this home is listed about 23% above the Homosassa median of $349,450. The market section on this page shows how the area is trending.
Which schools are assigned to 12 CACTUS STREET?+
Lecanto High School (high), Lecanto Primary School (elementary), Lecanto Middle School (middle) — Citrus County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of NEW BUILD SERVICES · Katherine Vega. MLS #P4938925.
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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