7651 E DERBY OAKS DRIVE, FLORAL CITY, FL, 34436
Active27 days on marketListed Jul 12, 2026MLS #W7887484
About this home
7651 E DERBY OAKS DRIVE
If you are looking for quiet country living starter home this is it. Property is fully fenced in and ready for your animals. Home as car port to be able to park your RV or vehicle. front and back porches allow you to sit outside and enjoy the country. Home is situated between Brooksville and Inverness so you can shop and dine in both cities. Home is a split floor plan with two secondary rooms on one side and master bedroom on the opposite side with its own bathroom. Roof has been recently replaced.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,144
Sqft
0.51 ac
Lot size
2017
Year built
One
Levels
$188
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.
$1,704 /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
$1,704/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
−10.6%
$/sqft vs Floral City actives
$188 vs $195
Days on market
27 vs 67 typical
Where $188/sqft sits among the 38 Floral City 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 Floral City
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Floral City. See the full Floral City guide →
FLORAL CITY 34436 — neighborhood snapshot
Population
8,170
Median age
60.3
Median income
$50,139
Median home value
$201,400
Avg household
2.25
Households w/ children
563
For the school run
Citrus County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Floral City market
$245K → $270K
Floral City median sold, yr/yr
95.7%
Sale-to-list ratio (12 mo)
24 of 38
Floral City actives have cut their price
Median sold price, Floral City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 28% below the FLORAL CITY 34436 median. See the full Floral City market guide →
Paper trail
This home's history
Reality check
What actually sold near 7651 E DERBY OAKS DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$217,000
10253 S ARABIAN AVENUE · same community
3 bd · 2 ba · 1,142 sqft · $190/sqft · 8 DOM
Sold · Aug ’26$270,000
8220 E DERBY OAKS DRIVE · same community
2 bd · 2 ba · 1,429 sqft · $189/sqft · 35 DOM
Sold · Mar ’26$315,000
7770 E PINTO COURT · same community
3 bd · 2 ba · 1,512 sqft · $208/sqft · 70 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 7651 E DERBY OAKS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 7651 E DERBY OAKS 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.
Straight answers
7651 E DERBY OAKS DRIVE FAQs
What would the monthly payment be for 7651 E DERBY OAKS DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,704/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 7651 E DERBY OAKS DRIVE?+
The most recent tax bill on record (2026) was $2,210. 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 7651 E DERBY OAKS 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 Floral City?+
At $214,900, this home is listed about 28% below the Floral City median of $300,000. The market section on this page shows how the area is trending.
Which schools are assigned to 7651 E DERBY OAKS DRIVE?+
Floral City Elementary School (elementary), Citrus High School (high), Inverness Middle School (middle) — Citrus County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of HOME LAND REAL ESTATE INC · John Coleman, III. MLS #W7887484.
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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