3956 S FERNPARK TERRACE, INVERNESS, FL, 34452
Active494 days on marketListed Apr 4, 2025MLS #W7874277
About this home
3956 S FERNPARK TERRACE
This COMPLETELY REMODELED home sits in the desirable Inverness Highlands & features 3 beds, 2 baths, a 2-car garage, 0.44 acres, & a HUGE 45x26 detached metal garage that can store TWO SEMI TRUCKS. Upon entering the sleek home, you are greeted w/ an open & spacious living room w/ cathedral ceiling, dimmer/switches, smart locks & thermostat, sliding glass doors leading to the back porch, a dining room w/ brilliant light & views, & vinyl tile throughout to exclude a tasteful & elegant feel. The tastefully remodeled kitchen boasts granite countertops w/ plenty of counter space, an enormous island that includes seating, a large farm sink, Brand New Tile Flooring, NEW smart non-fingerprint s/s appliances, gorgeous backsplash, custom wood cabinetry w/ soft close features, a lazy Susan, pull out drawers & crown molding. This split floor plan offers an owner's suite that has a large walk-in closet & normal closet & an ensuite bathroom. The light and airy owner's bath features a custom double vanity, bidet, & a custom glass walk-in shower tiled from floor to ceiling w/ hidden shelving. The sizable guest bedrooms each have large closets & a good deal of lighting. The modern & bright guest bathroom features a tub/shower combo tiled from floor to ceiling & custom glass doors, granite counters, a custom vanity, & a bidet. The exterior of the home features a screened lanai w/ impeccable views of the yard, a she-shed w/ 2 lofts, dog doors, outdoor lighting, irrigation, underground 500 gallon propane tank connected to the whole home generator, 2022/2023 solar, & a HUGE detached garage w/ 50-amp & 2 30-amps, & a RV hookup. Be sure to check out our 3D Matterport Interactive Tour and Video! Roof 2020.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,396
Sqft
0.44 ac
Lot size
2
Garage
2005
Year built
One
Levels
$448
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.
$3,923 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$3,923/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+161.1%
$/sqft vs INVERNESS HIGHLANDS WEST
$448 vs $173
Days on market
494 vs 45 typical
Where $448/sqft sits among the 14 homes for sale in INVERNESS HIGHLANDS WEST
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
Get to know Inverness. See the full Inverness guide →
INVERNESS 34452 — neighborhood snapshot
Population
13,729
Median age
46.8
Median income
$58,199
Median home value
$207,200
Avg household
2.35
Households w/ children
1,419
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
$235K → $265K
Inverness median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
5 of 14
INVERNESS HIGHLANDS WEST have cut their price
Median sold price, Inverness, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 910% above the INVERNESS 34452 median. See the full Inverness market guide →
Paper trail
This home's history
Reality check
What actually sold near 3956 S FERNPARK TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$260,000
6460 E GLENCOE STREET · same community
3 bd · 2 ba · 1,377 sqft · $189/sqft · 66 DOM
Sold · Aug ’25$195,000
6262 E RECTOR STREET · same community
2 bd · 2 ba · 1,424 sqft · $137/sqft · 52 DOM
Sold · May ’26$254,200
6000 E ONEIDA STREET · same community
3 bd · 2 ba · 1,443 sqft · $176/sqft · 98 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 3956 S FERNPARK TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3956 S FERNPARK TERRACE — 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
3956 S FERNPARK TERRACE FAQs
What would the monthly payment be for 3956 S FERNPARK TERRACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,923/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 3956 S FERNPARK TERRACE?+
The most recent tax bill on record (2024) was $1,807. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Inverness?+
At $625,900, this home is listed about 142% above the Inverness median of $259,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3956 S FERNPARK TERRACE?+
Pleasant Grove 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
Four things that matter here
01Positioned at the premium end
$625,900 runs 910% above the INVERNESS 34452 median.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
494 days on market against a Inverness median of 45 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $629,000, now $625,900 — a $3K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY - ELITE PARTNERS II · Katie Spires, PA. MLS #W7874277.
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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