45 VINCA STREET, HOMOSASSA, FL, 34446
Active250 days on marketListed Nov 28, 2025MLS #TB8452113
Come see it
Upcoming open house
Sun, Aug 9
12:00 PM – 2:00 PM
About this home
45 VINCA STREET
One or more photo(s) has been virtually staged. THE SELLER IS OFFERING $ 10,000 TOWARD CLOSING COST. Come and get it before it is gone. This home- a thoughtfully constructed home built by the same builder behind the widely recognized Mexico Beach residence that remained standing after Hurricane Michael. This property reflects a focus on durability, structural integrity, and long- term performance. The ICF (Insulated Concrete Form) luxury home is built for unmatched strength, energy efficiency, low electric costs, and long-term durability—engineered to withstand up to 260-mph winds and equipped with high-impact windows and a metal roof for superior storm protection and lower insurance costs. Hurricane strong, same construction as the last house standing in Mexico Beach. Featuring 5 bedrooms, 5 bathrooms, and a 3-car garage, this spacious residence sits on a desirable corner lot and offers an impressive open floor plan with a large living room, perfect for entertaining. The living area includes a wet bar, a coffee nook, and seamless flow into the kitchen, which showcases a pot filler, abundant cabinetry, and a walk-in pantry. The luxury master suite is thoughtfully designed with his-and-her closets, built-in shelving, and a private washer and dryer hook-up inside the closet for added convenience. The master bathroom offers a spa-like feel with elegant finishes and generous space. Enjoy true Florida living on the oversized lanai, ideal for gatherings, outdoor dining, and relaxing in privacy. Additional features include energy-efficient construction, modern finishes throughout, and a layout perfect for families, hosting, or multi-generational living. With its combination of strength, beauty, and efficiency, this ICF home offers peace of mind and exceptional comfort. Come experience the quality and craftsmanship for yourself—this home is truly built to last. Discover the highly desirable community of SugarMill Woods – Oak Village, where you can enjoy peaceful living with flexibility. Residents have the option to pay the low base HOA fee of just $12.91/month, or choose to upgrade and enjoy full community amenities for an additional fee. Sugar Mill Woods offers a variety of lifestyle amenities, including:Golf course, On-site restaurant, Olympic-size swimming pool, Fitness center ,Tennis and additional recreational facilities ,Beautiful walking areas and well-maintained common spaces Whether you prefer simple, low-cost living or want access to the full resort-style experience, this community gives you the freedom to choose. Oak Village is known for its quiet streets, natural surroundings, and close proximity to shopping, restaurants, and major highways. Close to Tampa and world-class beaches, state parks and bike trails.Virtually staged pictures.
Facts & features
The home at a glance
5
Bedrooms
5
Bathrooms
3,801
Sqft
0.32 ac
Lot size
3
Garage
2025
Year built
One
Levels
$196
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.
$4,506 /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
$4,506/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 SUGARMILL WOODS, OAK VILLAGE
$196 vs $180
Days on market
250 vs 54 typical
Where $196/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)
0 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 184% above the HOMOSASSA 34446 median. See the full Homosassa market guide →
Paper trail
This home's history
Reality check
What actually sold near 45 VINCA STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$361,400
1 VINCA STREET · same community
4 bd · 3 ba · 2,286 sqft · $158/sqft · 42 DOM
Sold · Jun ’26$431,900
27 VILLAGE CENTER DRIVE · same community
4 bd · 2.5 ba · 2,265 sqft · $191/sqft · 48 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 45 VINCA STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 45 VINCA 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
45 VINCA STREET FAQs
What would the monthly payment be for 45 VINCA STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,506/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 45 VINCA 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 45 VINCA STREET?+
The most recent tax bill on record (2025) was $402. 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 45 VINCA STREET?+
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 $745,000, this home is listed about 113% above the Homosassa median of $349,425. The market section on this page shows how the area is trending.
Which schools are assigned to 45 VINCA 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.
The brief
Three things that matter here
01Positioned at the premium end
$745,000 runs 184% above the HOMOSASSA 34446 median — but at 3,801 sqft it's also nearly twice the size of the typical Homosassa listing.
02Time on market is leverage
250 days on market against a Homosassa median of 54 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $899,900, now $745,000 — a $155K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS TAMPA PROPERTIES · Ida Young. MLS #TB8452113.
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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