
10228 W MIDDLEBURG LOOP, HOMOSASSA, FL, 34448
Active33 days on marketListed Jun 24, 2026MLS #W7887039
About this home
10228 W MIDDLEBURG LOOP
Imagine waking to the gentle sounds of nature as the morning sun rises over the Homosassa River. Coffee in hand, you stroll down to the community boat launch and set out for another day on the water. Perhaps manatees glide alongside your boat, dolphins play in the distance, or today's adventure leads to hidden fishing spots and the crystal-clear springs that make Florida's Nature Coast so extraordinary. When scallop season arrives, unforgettable weekends become part of your annual traditions. Tucked behind the gates of an exclusive riverfront community, this homesite offers privacy, security, and the rare opportunity to create a custom retreat that reflects your vision. Already permitted for a 2-bedroom Mediterranean-style residence, the property provides a head start while allowing you the freedom to select the builder of your choice and customize every detail to suit your lifestyle. Picture soaring ceilings, expansive balconies designed to capture river breezes, and outdoor living spaces where evenings are spent watching spectacular sunsets while native wildlife wanders through the surrounding landscape. Whether your dream includes a gourmet kitchen, private guest quarters, elevator access, or an entertaining terrace, this homesite provides the canvas to bring those ideas to life. An adjoining vacant parcel is also available, presenting a unique opportunity to create a larger estate and expand the footprint for an even more impressive custom residence. Boat spaces are available for purchase, providing convenient access for spontaneous sunset cruises, fishing adventures, and days spent exploring the Homosassa River and Gulf waters beyond. The surrounding area is golf cart friendly, making it easy to venture out to local restaurants, waterfront lounges, marinas, and attractions while embracing the laid-back charm that has made Old Homosassa one of Florida's most beloved coastal destinations. Life here isn't measured by traffic lights or crowded schedules. It's measured by sunrise fishing trips, encounters with gentle manatees, quiet moments among the oaks, evenings spent watching dolphins play along the river, and taking the golf cart into town for fresh seafood and sunset cocktails at your favorite waterfront gathering spot. It's a place where Old lorida charm still exists and where every day feels more like a vacation than ordinary life. Opportunities to build a custom waterfront retreat within a gated community with direct access to the Homosassa River are becoming increasingly rare. The plans may be permitted, but the lifestyle you'll create is entirely your own. YOUR NEXT CHAPTER ON FLORIDA's NATURE COAST IS CALLING!
Facts & features
The home at a glance
0.03 ac
Lot size
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 and the real association fee — not generic estimates.
$957 /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
$957/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.
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
$299K → $302K
Homosassa median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
Median sold price, Homosassa, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 58% below the HOMOSASSA 34448 median. See the full Homosassa market guide →
Paper trail
This home's history
Reality check
What actually sold near 10228 W MIDDLEBURG LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$109,900
5368 S PARKLAND TERRACE
2 bd · 1 ba · 576 sqft · $191/sqft · 139 DOM
Sold · Apr ’26$115,000
5500 S CHAMBERLAIN POOL AVENUE
2 bd · 1 ba · 710 sqft · $162/sqft · 93 DOM
Sold · Sep ’25$313,000
10464 W OLIVER STREET
2 bd · 1 ba · 864 sqft · $362/sqft · 34 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 10228 W MIDDLEBURG LOOP — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10228 W MIDDLEBURG LOOP — 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
10228 W MIDDLEBURG LOOP FAQs
What would the monthly payment be for 10228 W MIDDLEBURG LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $957/mo — principal and interest, the actual property-tax bill, the $96/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 10228 W MIDDLEBURG LOOP?+
The association fee works out to $96 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10228 W MIDDLEBURG LOOP?+
The most recent tax bill on record (2025) was $892. 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 10228 W MIDDLEBURG LOOP?+
The listing reports pets: Cats OK, Dogs OK. 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 Homosassa?+
At $99,000, this home is listed about 72% below the Homosassa median of $350,250. The market section on this page shows how the area is trending.
Which schools are assigned to 10228 W MIDDLEBURG LOOP?+
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 EXP REALTY LLC · Ruth Squires. MLS #W7887039.
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 Homosassa homes, in your inbox
Like 10228 W MIDDLEBURG LOOP but not quite? A daily digest of every new listing in Homosassa — 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 →


