1125 FERNWOOD DRIVE, HOLIDAY, FL, 34690
Active151 days on marketListed Mar 12, 2026MLS #TB8485326
About this home
1125 FERNWOOD DRIVE
HUGE PRICE REDUCTION (OWNER MOTIVATED TO SELL) Waterfront Living at its Finest – Nestled in a luxury, family-friendly neighborhood in Holiday, Florida. This stunning 3-bedroom, 2-bath waterfront home with nearly 1,900 sq ft. It offers the perfect blend of comfort, style, and a ultimate Florida boating lifestyle with the bonus of having Multigenerational Living . This property is a true fisherman’s paradise with direct access to the Anclote River and just a short boat ride to the famous Tarpon Springs Sponge Docks then out to the Gulf of Mexico. A Home Designed for Comfort & Style. Step inside to an open-concept floor plan with seamless tile flooring throughout. This creates a clean and modern flow perfect for entertaining with everyday living. The custom kitchen is a true centerpiece, featuring: Striking waterfall marble countertops, black stainless steel appliances, generous prep including entertaining space and clear sightlines to the living and outdoor areas. The spacious primary suite is your private retreat, highlighted by a luxury wet steam room (5' x 9.5') large enough to accommodate multiple people-bringing spa-level relaxation right into your home. Additional upgrades include: Instant hot water heater – never run out of hot water, solar panels for energy savings, freshly painted, custom entry doors, newer roof, HVAC system, and windows. Outdoor Living Built for the Florida Lifestyle. This home truly shines outdoors. Relax or entertain from the screened-in patio overlooking the water, or take advantage of the huge covered patio with plenty of space for outdoor toys and gear. The beautifully maintained property also includes: New St. Augustine grass installed last year with irrigation system with its own well and on it's completely fenced side yard and backyard. Doggie door for convenient pet access, stamped cobblestone concrete driveway, super gutters installed around the entire home, two-car garage with professional epoxy flooring and warranty. Boater & Angler’s Dream! Situated at the end of the Anclote River, the property offers brackish waterfront known for abundant redfish and snook—often caught right off the dock. Your private waterfront setup includes: 10,000-lb boat lift, large oversized dock for entertaining, floating docks for kayaks, paddleboards, and water toys. double floating wave-runner dock available and recapped and stamped seawall. From your dock, enjoy a short scenic boat ride to the sponge docks, waterfront restaurants, and open Gulf waters. FYI this property has never flooded. Location Perks: You’re just minutes from: Gulf beaches, waterfront dining, boating and fishing hotspots, parks and local amenities. All while enjoying the tranquility of a quiet waterfront neighborhood perfect for families or those seeking the ultimate coastal lifestyle. Whether you’re a boater, fisherman, entertainer, or simply looking for the perfect waterfront retreat, this property delivers the Florida lifestyle at its absolute best.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,900
Sqft
0.21 ac
Lot size
2
Garage
1976
Year built
One
Levels
$250
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.
$3,373 /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
$3,373/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
+9.1%
$/sqft vs FOREST HILLS
$250 vs $228
Days on market
151 vs 41 typical
Where $250/sqft sits among the 20 homes for sale in FOREST HILLS
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 Holiday
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Holiday. See the full Holiday guide →
HOLIDAY 34690 — neighborhood snapshot
Population
12,447
Median age
44.9
Median income
$46,167
Median home value
$152,200
Avg household
2.25
Households w/ children
931
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Holiday market
$233K → $232K
Holiday median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
6 of 20
FOREST HILLS have cut their price
Median sold price, Holiday, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 132% above the HOLIDAY 34690 median. See the full Holiday market guide →
Paper trail
This home's history
Reality check
What actually sold near 1125 FERNWOOD DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$443,000
1053 GRAND BOULEVARD · same community
3 bd · 2 ba · 1,778 sqft · $249/sqft · 34 DOM
Sold · Jun ’26$673,635
12910 FOREST HILLS DRIVE UNIT A · same community
4 bd · 2.5 ba · 2,194 sqft · $307/sqft · 92 DOM
Sold · Apr ’26$217,500
1153 TAMARAC DRIVE · same community
3 bd · 1.5 ba · 1,569 sqft · $139/sqft · 88 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 1125 FERNWOOD DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1125 FERNWOOD 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
1125 FERNWOOD DRIVE FAQs
What would the monthly payment be for 1125 FERNWOOD DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,373/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 1125 FERNWOOD DRIVE?+
The most recent tax bill on record (2025) was $2,493. 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 1125 FERNWOOD DRIVE?+
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 Holiday?+
At $474,900, this home is listed about 98% above the Holiday median of $239,900. The market section on this page shows how the area is trending.
Which schools are assigned to 1125 FERNWOOD DRIVE?+
Sunray Elementary School (elementary), Paul R. Smith Middle School (middle), Anclote High School (high) — Pasco 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
$474,900 runs 132% above the HOLIDAY 34690 median — but at 1,900 sqft it's also 60% larger than the typical Holiday 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
151 days on market against a Holiday median of 41 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $499,900, now $474,900 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PREMIER REALTY · Shawn Miller. MLS #TB8485326.
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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