David Ramirez

3461 CYCLONE DRIVE, WEEKI WACHEE, FL, 34607

Active251 days on marketListed Nov 25, 2025MLS #W7881013

Priced 10% below the WEEKI WACHEE 34607 medianPINE ISLAND REP

About this home

3461 CYCLONE DRIVE

This is a rare chance to own a true piece of Old Florida paradise. One of the very few remaining buildable lots on Pine Island, this property already has over 500 yards of clean fill dirt brought in and professionally graded, making it completely ready for your dream home. Included in the sale are fully county-approved architectural plans for a stunning 2,048 sq ft, three-story coastal residence thoughtfully designed to capture breathtaking, unobstructed Gulf of America views from virtually every major room. Daily sunsets here are nothing short of spectacular—exactly what you moved to the coast for. Whether you build the approved modern design or bring your own vision, construction can begin almost immediately. Living on Pine Island puts white-sand beaches and the newly renovated Pine Island Park just a short walk away, with Bayport Pier and public boat ramps minutes from your door. You’ll also enjoy the world-famous crystal-clear Weeki Wachee River (home to manatees), the iconic mermaid show, and Buccaneer Bay Water Park. Best of all, residents have the option of a private community boat ramp right on the island for just $40 per year. What more could you ask for?

Facts & features

The home at a glance

0.18 ac

Lot size

Water viewPets allowed

Inside

Outside & construction

ViewWater

Community & fees

HOA fee$3/mo
Taxes (2024)$2,915/yr
PetsYes
CommunityPrivate Boat Ramp

Utilities & systems

UtilitiesBB/HS Internet Capable · Electrical Nearby · Water Available
WaterPublic

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.

$2,273 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,737
FHA mortgage insurance (est.)$130
Property tax — 2024 actual bill$243
HOA fee — from the listing$3
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $10,325Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $10,325
Interest rate6.00%
Loan term

Estimated payment

$2,273/mo

Principal & interest$1,737
FHA mortgage insurance (est.)$130
Property taxes (actual bill)$243
HOA / condo fee$3
Est. insurance$160

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.

Where it sits

Inside Weeki Wachee

Map of 3461 CYCLONE DRIVE

Get to know Weeki Wachee. See the full Weeki Wachee guide →

WEEKI WACHEE 34607 — neighborhood snapshot

Population

9,046

Median age

55.7

Median income

$61,221

Median home value

$343,100

Avg household

2.3

Households w/ children

740

For the school run

Hernando County School District

ElementaryWestside Elementary School★★★★★
MiddleFox Chapel Middle School★★★★
HighWeeki Wachee High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Weeki Wachee market

Seller’s marketLeans buyer7.0 months of inventoryBuyer’s market

$357K$360K

Weeki Wachee median sold, yr/yr

97.0%

Sale-to-list ratio (12 mo)

Median sold price, Weeki Wachee, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 10% below the WEEKI WACHEE 34607 median. See the full Weeki Wachee market guide →

Paper trail

This home's history

Nov 25, 2025Listed at $295,000 · 251 days on market since

Reality check

What actually sold near 3461 CYCLONE DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

10581 PINE ISLAND DRIVESold · Dec ’25

$450,000

10581 PINE ISLAND DRIVE · same community

2 bd · 1 ba · 800 sqft · $563/sqft · 96 DOM

3476 TIDEWATER DRIVESold · Sep ’25

$360,000

3476 TIDEWATER DRIVE · same community

3 bd · 3 ba · 1,104 sqft · $326/sqft · 151 DOM

3478 GUM DRIVESold · Aug ’25

$525,000

3478 GUM DRIVE · same community

3 bd · 2 ba · 1,416 sqft · $371/sqft · 205 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 3461 CYCLONE DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3461 CYCLONE 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.

Goes straight to David’s phone and CRM.

Straight answers

3461 CYCLONE DRIVE FAQs

What would the monthly payment be for 3461 CYCLONE DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,273/mo — principal and interest, the actual property-tax bill, the $3/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 3461 CYCLONE DRIVE?+

The association fee works out to $3 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 3461 CYCLONE DRIVE?+

The most recent tax bill on record (2024) was $2,915. 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 3461 CYCLONE 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 Weeki Wachee?+

At $295,000, this home is listed about 25% below the Weeki Wachee median of $395,000. The market section on this page shows how the area is trending.

Which schools are assigned to 3461 CYCLONE DRIVE?+

Westside Elementary School (elementary), Fox Chapel Middle School (middle), Weeki Wachee High School (high) — Hernando County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Under the WEEKI WACHEE 34607 market on paper

$295,000 is 10% below the WEEKI WACHEE 34607 median of $327,450.

02Water views

The water view is part of what you're buying — views hold value independently of the structure.

03Time on market is leverage

251 days on market against a Weeki Wachee median of 40 — sellers in this position are usually ready to negotiate.

Listing courtesy of LAGOON HOME REALTY · Misty Prunty. MLS #W7881013.

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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