704 MORAY DRIVE, INVERNESS, FL, 34453
Active72 days on marketListed May 14, 2026MLS #TB8507691
About this home
704 MORAY DRIVE
Virtually Staged. Beautiful end unit Windermere Villa move in ready, with a light filled unit due to it being an end unit. The Spacious Kitchen offers abundant cabinetry, and cozy breakfast nook, with a breakfast bar perfect for casual dining or entertaining guests. The open layout connects the dining area with the living area enhancing the homes comfortable flow. Both guest and primary bedrooms are generously sized providing plenty of room. Enjoy a peaceful mornings in the bright sunroom, ideal for coffee or reading a good book. You also have a nice size private patio out back with a fence. The low 291 HOA fee covers cable/wifi, community pool, ground maintenance, irrigation, boat/RV storage and lake access-nothing like water access. Located in the heart of Inverness, this home is just minutes from Withlacoochee State Trail, easy access to walk or bike to downtown events like weekend markets, car shows, art festivals, and live concerts. You will be close to dining, shopping, and medical facilities, this villa is the perfect Florida retreat.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,198
Sqft
0.16 ac
Lot size
1
Garage
1991
Year built
One
Levels
$167
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.
$1,778 /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
$1,778/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
−4.6%
$/sqft vs Inverness actives
$167 vs $179
Days on market
72 vs 25 typical
Where $167/sqft sits among the 195 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 34453 — neighborhood snapshot
Population
10,473
Median age
53.5
Median income
$58,064
Median home value
$174,500
Avg household
2.21
Households w/ children
905
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
$240K → $270K
Inverness median sold, yr/yr
96.2%
Sale-to-list ratio (12 mo)
90 of 195
Inverness actives have cut their price
Median sold price, Inverness, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 301% above the INVERNESS 34453 median. See the full Inverness market guide →
Paper trail
This home's history
Reality check
What actually sold near 704 MORAY DRIVE
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$210,000
811 LANARK DRIVE · same community
2 bd · 2 ba · 1,197 sqft · $175/sqft · 9 DOM
Sold · Mar ’26$210,000
711 MORAY DRIVE · same community
2 bd · 2 ba · 1,186 sqft · $177/sqft · 2 DOM
Sold · Jan ’26$200,000
802 WINDERMERE BOULEVARD · same community
2 bd · 2 ba · 1,284 sqft · $156/sqft · 102 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 704 MORAY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 704 MORAY 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
704 MORAY DRIVE FAQs
What would the monthly payment be for 704 MORAY DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,778/mo — principal and interest, the actual property-tax bill, the $291/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 704 MORAY DRIVE?+
The association fee works out to $291 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 704 MORAY DRIVE?+
The most recent tax bill on record (2025) was $740. 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 704 MORAY 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 Inverness?+
At $199,999, this home is listed about 23% below the Inverness median of $258,450. The market section on this page shows how the area is trending.
Which schools are assigned to 704 MORAY DRIVE?+
Hernando Elementary School (elementary), Inverness Middle School (middle), Citrus High School (high) — 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
$199,999 runs 301% above the INVERNESS 34453 median.
02Time on market is leverage
72 days on market against a Inverness median of 25 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $215,000, now $199,999 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SAND KEY REALTY · Brent Sykes. MLS #TB8507691.
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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