2845 N LAKEFRONT DRIVE, HERNANDO, FL, 34442
Active47 days on marketListed Jun 4, 2026MLS #TB8515522
About this home
2845 N LAKEFRONT DRIVE
Welcome to this beautifully maintained 3-bedroom, 2-bath home in the heart of Hernando! Offering a spacious and functional layout, this property features a large primary suite complete with a private en suite bathroom and walk-in closet. Enjoy peace of mind with a brand-new septic system and leach field installed in May 2026. Additional upgrades include a whole-home water filtration system and a reverse osmosis drinking water filtration system at the kitchen sink. Step outside to your private backyard retreat, fully enclosed with a 6-foot farm-style fence and enhanced by lush tropical landscaping. The yard is home to a variety of established plants, including banana plants, berries, aloe, multiple varieties of canna lilies, bird of paradise, shampoo ginger, snake plants, and more, creating a serene Florida oasis. Whether you're looking for comfort, privacy, or outdoor enjoyment, this property offers it all. Conveniently located near shopping, dining, medical facilities, and recreational amenities, this home is ready for its next owner. Schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,344
Sqft
0.46 ac
Lot size
2023
Year built
One
Levels
$164
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.
$1,811 /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
$1,811/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
+14.5%
$/sqft vs Hernando actives
$164 vs $197
Days on market
47 vs 37 typical
Where $164/sqft sits among the 99 Hernando 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 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)
51 of 99
Hernando actives have cut their price
Median sold price, Hernando, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 21% below the HERNANDO 34442 median. See the full Hernando market guide →
Paper trail
This home's history
Reality check
What actually sold near 2845 N LAKEFRONT DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$165,000
2922 N WHEATON POINT · same community
3 bd · 2 ba · 1,404 sqft · $118/sqft · 5 DOM
Sold · May ’26$125,000
2600 N BUCKNELL TERRACE · same community
3 bd · 2 ba · 1,523 sqft · $82/sqft · 14 DOM
Sold · Nov ’25$215,000
4680 E DARTMOUTH LANE · same community
2 bd · 1.5 ba · 1,120 sqft · $192/sqft · 6 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 2845 N LAKEFRONT DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2845 N LAKEFRONT 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
2845 N LAKEFRONT DRIVE FAQs
What would the monthly payment be for 2845 N LAKEFRONT DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,811/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 2845 N LAKEFRONT DRIVE?+
The most recent tax bill on record (2025) was $3,103. 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 2845 N LAKEFRONT 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 Hernando?+
At $220,000, this home is listed about 41% below the Hernando median of $372,500. The market section on this page shows how the area is trending.
Which schools are assigned to 2845 N LAKEFRONT DRIVE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of KW REALTY ELITE PARTNERS · Anjelica Marchese. MLS #TB8515522.
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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