11972 W RIVERHAVEN DRIVE, HOMOSASSA, FL, 34448
Active326 days on marketListed Sep 11, 2025MLS #TB8426099
About this home
11972 W RIVERHAVEN DRIVE
*****Insurance****** This home has not flooded in any of the recent storms. Current flood insurance is $1100 annually, offering a significant advantage compared to many nearby properties facing substantially higher premiums exceeding $10K a year.***** **Recently repositioned to reflect current market conditions, this property presents an exceptional value opportunity in Homosassa.** Discover this custom-built Joe Flynn residence offering timeless craftsmanship and modern updates, perfectly positioned with direct access to the Homosassa River and The Gulf. Built in 2007 on an engineered foundation with 67 pilings, this 3-bedroom, 3-bath, plus office, single-story home spans 3,281 sq. ft. and combines elegance with durability. Step through the double-door entry into a freshly painted interior enhanced by plantation shutters, coffered ceilings, arched doorways, crown molding, and 6-panel doors. Every bedroom features a walk-in closet with built-in organizers, and each bath offers generous linen storage and corian countertops. The office showcases floor-to-ceiling built-ins, while stained-glass accents in the bathrooms add unique artistry. The chef’s kitchen impresses with quartz countertops (2021), high-end appliances (2019), a spacious island, and abundant cabinetry. Gather in the Florida room with its indoor grill, bar, sink, and solar shades—perfect for entertaining year-round. A propane fireplace adds warmth and character to the living room. Recent upgrades include a new A/C (2022), 22kW whole-house generator (2021), fresh paint (2021), and new carpet (2021), ensuring comfort and peace of mind. Technology is integrated throughout with a security system, surround sound, and built-in speakers. Outdoors, enjoy a two-car garage, with a custom tool bench, 9,000-lb boat lift, brick paver patio, beautiful landscaping ,fish cleaning station and brick fire pit facing the water—an angler’s dream setup. Ideally located near the water, marinas, restaurants, and outdoor recreation, this waterfront retreat offers the best of Florida's Nature Coast Lifestyle-with the added benefit of never flooding and its just a short boat ride away from the Gulf. Combined with its location, exceptional condition, and carrying costs, this property stands out as a rare and compelling value in today's market.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
3,281
Sqft
0.27 ac
Lot size
2
Garage
2007
Year built
One
Levels
$274
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.
$6,075 /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
$6,075/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.
$/sqft vs RIVERHAVEN VILLAGE
$274 vs $328
Days on market
326 vs 54 typical
Where $274/sqft sits among the 14 homes for sale in RIVERHAVEN 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 Homosassa
Get to know Homosassa. See the full Homosassa guide →
HOMOSASSA 34448 — neighborhood snapshot
Population
10,741
Median age
56
Median income
$47,526
Median home value
$166,000
Avg household
2.28
Households w/ children
866
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)
7 of 14
RIVERHAVEN VILLAGE have cut their price
Median sold price, Homosassa, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 283% above the HOMOSASSA 34448 median. See the full Homosassa market guide →
Paper trail
This home's history
Reality check
What actually sold near 11972 W RIVERHAVEN DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$890,000
5173 S RUNNING BROOK DRIVE · same community
4 bd · 2.5 ba · 3,504 sqft · $254/sqft · 12 DOM
Sold · Jun ’26$545,000
5135 S RUNNING BROOK DRIVE · same community
3 bd · 2 ba · 2,646 sqft · $206/sqft · 323 DOM
Sold · Jul ’26$590,000
11857 W RIVERHAVEN DRIVE · same community
3 bd · 2 ba · 2,619 sqft · $225/sqft · 38 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 11972 W RIVERHAVEN DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11972 W RIVERHAVEN DRIVE — 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
11972 W RIVERHAVEN DRIVE FAQs
What would the monthly payment be for 11972 W RIVERHAVEN DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,075/mo — principal and interest, the actual property-tax bill, the $14/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 11972 W RIVERHAVEN DRIVE?+
The association fee works out to $14 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 11972 W RIVERHAVEN DRIVE?+
The most recent tax bill on record (2024) was $8,524. 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 11972 W RIVERHAVEN DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 $899,500, this home is listed about 157% above the Homosassa median of $349,450. The market section on this page shows how the area is trending.
Which schools are assigned to 11972 W RIVERHAVEN DRIVE?+
Rock Crusher Elementary School (elementary), Crystal River Middle School (middle), Crystal River High School (high) — 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
$899,500 runs 283% above the HOMOSASSA 34448 median — but at 3,281 sqft it's also 70% larger than the typical Homosassa 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
326 days on market against a Homosassa median of 54 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $1,100,000, now $899,500 — a $201K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of AMO REALTY · Jackie Garth. MLS #TB8426099.
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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