4490 AYRSHIRE DRIVE, SPRING HILL, FL, 34609
Active85 days on marketListed May 12, 2026MLS #TB8508011
About this home
4490 AYRSHIRE DRIVE
Welcome to this spacious 4-bedroom, 2-bathroom home with a 3-car tandem garage, ideally situated within the desirable gated community of Sterling Hill in Spring Hill. Offering approximately 1,709 square feet of heated living space, this inviting home features an open, functional split-bedroom floor plan designed for comfortable everyday living, entertaining, and accommodating overnight guests. The bright and welcoming living area flows seamlessly into the kitchen and dining space, creating an open gathering place that is perfect for hosting friends, sharing meals, or simply relaxing after a long day. The private primary suite is thoughtfully separated from the secondary bedrooms and offers generous closet space and an en-suite bathroom, providing a comfortable retreat at the end of the day. Step outside to the covered lanai and enjoy a peaceful conservation backdrop with no rear neighbors. Whether sipping your morning coffee, dining outdoors, or unwinding in the evening, this private setting offers a welcome escape from the hustle and bustle. The versatile 3-car tandem garage provides plenty of room for additional vehicles, storage, a workshop, recreational equipment, or all the extras that accompany an active Florida lifestyle. Major improvements include a new roof installed in 2024 and an A/C system replaced in 2019, offering added value and peace of mind. Sterling Hill offers an impressive collection of recreational amenities located throughout the community. Residents can enjoy two clubhouses, two swimming pools, two fitness centers, tennis and basketball courts, pickleball and volleyball courts, playgrounds, a splash pad, dog park, billiards table, activity field, and additional spaces for recreation and neighborhood gatherings. Conveniently located near shopping, dining, medical facilities, schools, and major roadways, this home combines everyday accessibility with the privacy, recreational opportunities, and neighborhood atmosphere buyers seek when relocating to the Spring Hill area. Come discover the space, flexibility, community amenities, and peaceful conservation setting this Sterling Hill home has to offer. Schedule your private showing today and begin planning your next chapter in Florida!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,709
Sqft
0.25 ac
Lot size
3
Garage
2005
Year built
One
Levels
$190
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.
$2,575 /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
$2,575/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
+10.1%
$/sqft vs Spring Hill actives
$190 vs $192
Days on market
85 vs 41 typical
Where $190/sqft sits among the 400 Spring Hill 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 Spring Hill
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Spring Hill. See the full Spring Hill guide →
SPRING HILL 34609 — neighborhood snapshot
Population
46,066
Median age
44.8
Median income
$79,284
Median home value
$275,900
Avg household
2.7
Households w/ children
5,105
For the school run
Hernando County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Spring Hill market
$320K → $315K
Spring Hill median sold, yr/yr
97.9%
Sale-to-list ratio (12 mo)
212 of 400
Spring Hill actives have cut their price
Median sold price, Spring Hill, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 5% below the SPRING HILL 34609 median. See the full Spring Hill market guide →
Paper trail
This home's history
Reality check
What actually sold near 4490 AYRSHIRE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$288,000
5293 AYRSHIRE DRIVE · same community
4 bd · 3 ba · 1,806 sqft · $159/sqft · 58 DOM
Sold · Mar ’26$276,900
4737 AYRSHIRE DRIVE · same community
3 bd · 2 ba · 1,600 sqft · $173/sqft · 147 DOM
Sold · Oct ’25$296,738
13276 BAINBRIDGE WAY · same community
4 bd · 2 ba · 1,949 sqft · $152/sqft · 49 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 4490 AYRSHIRE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4490 AYRSHIRE 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
4490 AYRSHIRE DRIVE FAQs
What would the monthly payment be for 4490 AYRSHIRE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,575/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 4490 AYRSHIRE DRIVE?+
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 4490 AYRSHIRE DRIVE?+
The most recent tax bill on record (2025) was $4,212. 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 4490 AYRSHIRE 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 Spring Hill?+
At $324,000, this home is listed about 6% below the Spring Hill median of $344,190. The market section on this page shows how the area is trending.
Which schools are assigned to 4490 AYRSHIRE DRIVE?+
Powell Middle School (middle), Central High School (high), Pine Grove Elementary School (elementary) — Hernando County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the SPRING HILL 34609 market on paper
$324,000 is 5% below the SPRING HILL 34609 median of $339,950, and at $190/sqft it sits under the Spring Hill average of $201.
02Time on market is leverage
85 days on market against a Spring Hill median of 41 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $355,000, now $324,000 — a $31K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PEOPLE'S TRUST REALTY · Kimberly Watson-Johnson. MLS #TB8508011.
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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