5648 S GARCIA ROAD, HOMOSASSA, FL, 34448
Active49 days on marketListed Jun 21, 2026MLS #W7886815
About this home
5648 S GARCIA ROAD
Wake up each morning to breathtaking sunrises shimmering over the canal from the comfort of your own bed. This beautifully remodeled waterfront stilt home is located in a charming golf cart community and offers the perfect blend of coastal living, recreation, and investment potential. Just minutes by car or boat from local favorites including MacRae’s, The Freezer, and Crumps Landing, this property is perfectly positioned for enjoying Florida’s Nature Coast lifestyle. The home features numerous updates throughout, including a newer kitchen with quartz countertops, wine refrigerator, updated windows and doors, remodeled bathrooms, new gutters, and stylish flooring throughout. Enjoy panoramic water views from the expansive wraparound porch, the perfect spot to watch both sunrises and sunsets. Outside, a new dock, 94 feet of waterfront, and an 87-foot seawall create an exceptional waterfront experience. This property is grandfathered with steps leading directly into the deep-water canal, making kayak launches effortless. Boaters will appreciate the 32-foot dock equipped with 30-amp shore power and water service, ideal for a liveaboard vessel. Additional features include 3 RV spaces with full hookups, a 12’ x 28’ storage shed, a 10’ x 13’ covered storage area, kayak launch, two separate laundry areas. The metal roof offers approximately 19 years of remaining useful life per inspection report, and the A/C was replaced in 2016. Whether you’re searching for a full-time residence, vacation getaway, or income-producing investment, this property checks all the boxes. Currently operating as a successful short-term rental with strong rental income history. Limited showings days currently available while property is rented: July 20-22 & 27-30 & August 3-30th Don’t miss this opportunity to own a piece of waterfront paradise and start living the Florida lifestyle you’ve been dreaming of.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,860
Sqft
0.21 ac
Lot size
1972
Year built
Two
Levels
$341
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.
$4,683 /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
$4,683/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
+96%
$/sqft vs Homosassa actives
$341 vs $174
Days on market
49 vs 60 typical
Where $341/sqft sits among the 229 Homosassa 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 Homosassa
Get to know Homosassa. See the full Homosassa guide →
HOMOSASSA 34448 — neighborhood snapshot
Population
10,741
Median age
56
Median income
$47,526
Median home value
$166,000
Avg household
2.28
Households w/ children
866
For the school run
Citrus County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Homosassa market
$314K → $303K
Homosassa median sold, yr/yr
95.9%
Sale-to-list ratio (12 mo)
113 of 229
Homosassa actives have cut their price
Median sold price, Homosassa, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 182% above the HOMOSASSA 34448 median. See the full Homosassa market guide →
Paper trail
This home's history
Reality check
What actually sold near 5648 S GARCIA ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$400,000
11707 W BRIGHTWATER COURT
2 bd · 2 ba · 1,850 sqft · $216/sqft · 172 DOM
Sold · Jan ’26$295,000
4529 S SAWGRASS CIRCLE
3 bd · 2 ba · 1,823 sqft · $162/sqft · 360 DOM
Sold · Mar ’26$320,000
5650 S MASON CREEK ROAD
3 bd · 2 ba · 1,800 sqft · $178/sqft · 257 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 5648 S GARCIA ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5648 S GARCIA ROAD — 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
5648 S GARCIA ROAD FAQs
What would the monthly payment be for 5648 S GARCIA ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,683/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 5648 S GARCIA ROAD?+
The most recent tax bill on record (2025) was $10,300. 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 Homosassa?+
At $635,000, this home is listed about 82% above the Homosassa median of $348,325. The market section on this page shows how the area is trending.
Which schools are assigned to 5648 S GARCIA ROAD?+
Rock Crusher Elementary School (elementary), Crystal River Middle School (middle), Crystal River 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 RELIANCE REALTY & INVESTMENTS · Lindsay Stewart. MLS #W7886815.
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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