640 E HARTFORD STREET, HERNANDO, FL, 34442
Active272 days on marketListed Oct 24, 2025MLS #TB8441287
About this home
640 E HARTFORD STREET
HOME APPRAISED OVER LIST PRICE at 333k! BRAND NEW ROOF already installed! Back on market - buyer lost employment, their loss is your gain! Discover the perfect blend of comfort, style, and Florida living in this beautiful 3-bedroom, 2-bath, 2-car garage pool home located in sought-after Citrus Hills. Nestled on a half-acre homesite with golf course views, this home features a sunken living room with cathedral ceilings and floor-to-ceiling windows that flood the space with natural light. The open kitchen offers granite countertops, a pass-through to the lanai, and a breakfast bar for easy entertaining. Enjoy a spacious owner's suite with a walk-in closet, dual sinks, and a walk-in shower. On the opposite side of the home, ideal for privacy, are two guest bedrooms, that share a full bath with a tub/shower combo and double sinks, ideal for guests or family. Step outside to your Florida oasis-- featuring an oversized screened, covered lanai, the ideal place to enjoy outdoor living! The expansive paver decking has spots to enjoy the shade or soak up the sun! The heated pool, overlooks the 18th hole — your own private retreat! Surrounded by lush tropical landscaping for beauty and privacy, and ideally located close to shopping, dining, medical centers, trails, rivers, and beaches. This is the Florida lifestyle you've been dreaming of!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,754
Sqft
0.5 ac
Lot size
2
Garage
1988
Year built
One
Levels
$180
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.
$2,440 /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
$2,440/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
−13%
Days on market
272 vs 37 typical
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 Hernando
Get to know Hernando. See the full Hernando guide →
HERNANDO 34442 — neighborhood snapshot
Population
16,356
Median age
65.7
Median income
$55,473
Median home value
$295,900
Avg household
2.03
Households w/ children
868
For the school run
Citrus County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Hernando market
$330K → $303K
Hernando median sold, yr/yr
95.1%
Sale-to-list ratio (12 mo)
Median sold price, Hernando, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 14% above the HERNANDO 34442 median. See the full Hernando market guide →
Paper trail
This home's history
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 640 E HARTFORD STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 640 E HARTFORD 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
640 E HARTFORD STREET FAQs
What would the monthly payment be for 640 E HARTFORD STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,440/mo — principal and interest, the actual property-tax bill, the $15/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 640 E HARTFORD STREET?+
The association fee works out to $15 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 640 E HARTFORD STREET?+
The most recent tax bill on record (2024) was $3,260. 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 640 E HARTFORD 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 Hernando?+
At $315,000, this home is listed about 15% below the Hernando median of $372,500. The market section on this page shows how the area is trending.
Which schools are assigned to 640 E HARTFORD STREET?+
Forest Ridge Elementary School (elementary), Lecanto Middle School (middle), Lecanto 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
$315,000 runs 14% above the HERNANDO 34442 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
272 days on market against a Hernando median of 37 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $349,900, now $315,000 — a $35K cut. The full history is in the market section below.
Listing courtesy of PEOPLE'S TRUST REALTY · Justine Zodda, PA. MLS #TB8441287.
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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