18104 NICHOLAS AVENUE, BROOKSVILLE, FL, 34604
Active10 days on marketListed Jul 25, 2026MLS #TB8532762
About this home
18104 NICHOLAS AVENUE
Brand-new Palm Harbor home on your own land—NO HOA and NO lot rent! This beautifully designed 3-bedroom, 2-bath home sits on a spacious ¼-acre lot on a paved road surrounded by mature oak trees. Enjoy an open-concept layout with luxury vinyl plank flooring throughout, a spacious kitchen with a large island, real wood cabinets, stainless steel appliances, and a comfortable primary suite featuring a freestanding soaking tub, dual vanities, and a separate walk-in shower. Built for quality and peace of mind with durable 2x6 construction, plus a new well, new septic with a 2-year maintenance warranty, new HVAC, new water heater, and brand-new appliances. The home also includes a 1-year manufacturer's warranty. Conveniently located just minutes from shopping, restaurants, and the Suncoast Parkway.USDA financing eligible, offering a great opportunity for qualified buyers.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,440
Sqft
0.29 ac
Lot size
2025
Year built
One
Levels
$180
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.
$1,822 /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
$1,822/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
+30.4%
$/sqft vs GARDEN GROVE
$180 vs $179
Days on market
10 vs 53 typical
Where $180/sqft sits among the 6 homes for sale in GARDEN GROVE
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 Brooksville
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Brooksville. See the full Brooksville guide →
BROOKSVILLE 34604 — neighborhood snapshot
Population
13,964
Median age
44.1
Median income
$85,111
Median home value
$272,300
Avg household
2.81
Households w/ children
1,336
For the school run
Hernando County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Brooksville market
$300K → $295K
Brooksville median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
5 of 6
GARDEN GROVE have cut their price
Median sold price, Brooksville, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 21% below the BROOKSVILLE 34604 median. See the full Brooksville market guide →
Paper trail
This home's history
Reality check
What actually sold near 18104 NICHOLAS AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$259,900
18112 NICHOLAS AVENUE · same community
3 bd · 2 ba · 1,440 sqft · $180/sqft · 7 DOM
Sold · Feb ’26$385,000
5563 GARDEN GROVE CIRCLE · same community
3 bd · 2 ba · 1,436 sqft · $268/sqft · 36 DOM
Sold · Feb ’26$162,000
137 LOWELL ROAD · same community
3 bd · 1.5 ba · 1,435 sqft · $113/sqft · 21 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 18104 NICHOLAS AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 18104 NICHOLAS AVENUE — 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
18104 NICHOLAS AVENUE FAQs
What would the monthly payment be for 18104 NICHOLAS AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,822/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 18104 NICHOLAS AVENUE?+
The most recent tax bill on record (2025) was $268. 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 18104 NICHOLAS AVENUE?+
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 Brooksville?+
At $259,000, this home is listed about 23% below the Brooksville median of $337,945. The market section on this page shows how the area is trending.
Which schools are assigned to 18104 NICHOLAS AVENUE?+
Nature Coast Technical High (high), Powell Middle School (middle), Moton Elementary School (elementary) — Hernando County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of SOUTHERN BELLE REALTY, INC · Jessica Ferguson. MLS #TB8532762.
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.
Never miss a listing
New Brooksville homes, in your inbox
Like 18104 NICHOLAS AVENUE but not quite? A daily digest of every new listing in Brooksville — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →