1226 S TELEPHONE POINT ROAD, INVERNESS, FL, 34450
Active437 days on marketListed May 27, 2025MLS #TB8390213
About this home
1226 S TELEPHONE POINT ROAD
Your Private Lakeside Sanctuary Awaits in Inverness! Imagine owning a piece of paradise where privacy meets convenience on a secluded peninsula with breathtaking open freshwater lake frontage. This inviting 3-bedroom, 1.5-bathroom home with a new roof sits on a sprawling .74-acre lot at the quiet end of a dead-end street, ensuring ultimate tranquility. Boating, fishing, or simply enjoying spectacular sunsets – the lake is your backyard. Yet, you're just moments away from the charm and excitement of downtown Inverness, putting shopping, dining, and entertainment at your fingertips. Practical needs are met with a spacious detached garage and two carports, providing ample storage and parking. The screened back porch with an awesome water view is a dedicated space for peace and contemplation right at home. This isn't just a house; it's an opportunity to embrace a serene, connected, and deeply personal lifestyle on the water.
Facts & features
The home at a glance
3
Bedrooms
1.5
Bathrooms
1,808
Sqft
0.74 ac
Lot size
1973
Year built
One
Levels
$326
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.
$3,948 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$3,948/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+87.8%
$/sqft vs Inverness actives
$326 vs $179
Days on market
437 vs 38 typical
Where $326/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 → $265K
Inverness median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
91 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 219% above the INVERNESS 34450 median. See the full Inverness market guide →
Paper trail
This home's history
Reality check
What actually sold near 1226 S TELEPHONE POINT ROAD
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$235,000
927 S VAL DRIVE
3 bd · 3 ba · 1,808 sqft · $130/sqft · 2 DOM
Sold · Dec ’25$600,000
1005 S SANDS PARADISE POINT
2 bd · 2.5 ba · 1,809 sqft · $332/sqft · 169 DOM
Sold · Dec ’25$278,000
1880 S WESTLAKE DRIVE
4 bd · 2.5 ba · 1,922 sqft · $145/sqft · 22 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 1226 S TELEPHONE POINT ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1226 S TELEPHONE POINT ROAD — 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
1226 S TELEPHONE POINT ROAD FAQs
What would the monthly payment be for 1226 S TELEPHONE POINT ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,948/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 1226 S TELEPHONE POINT ROAD?+
The most recent tax bill on record (2024) was $4,605. 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 Inverness?+
At $589,900, this home is listed about 131% above the Inverness median of $255,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1226 S TELEPHONE POINT ROAD?+
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.
The brief
Four things that matter here
01Positioned at the premium end
$589,900 runs 219% above the INVERNESS 34450 median — but at 1,808 sqft it's also 29% larger than the typical Inverness listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
437 days on market against a Inverness median of 38 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $689,900, now $589,900 — a $100K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ERA AMERICAN SUNCOAST REALTY · Margaret Baker. MLS #TB8390213.
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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