4540 N WINCHESTER TERRACE, HERNANDO, FL, 34442
Active84 days on marketListed May 1, 2026MLS #W7885384
About this home
4540 N WINCHESTER TERRACE
One or more photo(s) has been virtually staged. "2026 New Construction on .57 Acres - No HOA - No Flood Zone." ~ Take advantage of this limited-time buyer incentive—qualified buyers can lock in an incredible 1% rate buy-down for the first year, dramatically lowering your monthly payments right out of the gate. Plus, move in stress-free with a brand-new washer and dryer included at no extra cost. Eligible VA buyers may qualify for 0% down. Opportunities like this don’t last—schedule your showing today before it’s gone. Call and ask for our preferred lender to discuss your options. Affordable living on the Nature Coast. Looking for a peaceful place to call home with No HOA, No Flood zone yet near boating and nature. Citrus County offers quiet living, natural beauty and affordability all in one. Additional features: this property offers plenty of room for your boat, RV, and other toys. Enjoy the perfect blend of peaceful living while being just a short drive to Ocala, nearby lakes, and the new shopping and dining in Lecanto. This home is a wind zone 2 Energy Star Home, drywall with stainless steel appliances, New Septic and Well all on .57 acres. One or more photo(s) have been virtually staged.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,200
Sqft
0.57 ac
Lot size
2026
Year built
One
Levels
$167
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.
$1,436 /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
$1,436/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
−3.5%
$/sqft vs Hernando actives
$167 vs $197
Days on market
84 vs 37 typical
Where $167/sqft sits among the 100 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)
53 of 100
Hernando actives have cut their price
Median sold price, Hernando, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 27% below the HERNANDO 34442 median. See the full Hernando market guide →
Paper trail
This home's history
Reality check
What actually sold near 4540 N WINCHESTER 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$44,400
3249 E BUFFALO LANE · same community
2 bd · 1 ba · 832 sqft · $53/sqft · 2 DOM
Sold · Aug ’25$113,900
3277 E LARIAT LOOP · same community
2 bd · 2 ba · 784 sqft · $145/sqft · 3 DOM
Sold · Aug ’25$200,000
3570 E COVE PARK TRAIL
2 bd · 2 ba · 1,138 sqft · $176/sqft · 71 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 4540 N WINCHESTER TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4540 N WINCHESTER 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
4540 N WINCHESTER TERRACE FAQs
What would the monthly payment be for 4540 N WINCHESTER TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,436/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 4540 N WINCHESTER TERRACE?+
The most recent tax bill on record (2025) was $130. 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 Hernando?+
At $199,900, this home is listed about 46% below the Hernando median of $372,500. The market section on this page shows how the area is trending.
Which schools are assigned to 4540 N WINCHESTER TERRACE?+
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.
The brief
Three things that matter here
01Under the HERNANDO 34442 market on paper
$199,900 is 27% below the HERNANDO 34442 median of $273,000, and at $167/sqft it sits under the Hernando average of $207.
02Time on market is leverage
84 days on market against a Hernando median of 37 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $214,900, now $199,900 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY - ELITE PARTNERS II · Nicoletta Lingrosso. MLS #W7885384.
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 Hernando homes, in your inbox
Like 4540 N WINCHESTER TERRACE but not quite? A daily digest of every new listing in Hernando — 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 →