4 SPRUCE PINE COURT N, HOMOSASSA, FL, 34446
Active21 days on marketListed Jul 18, 2026MLS #W7887770
About this home
4 SPRUCE PINE COURT N
Looking for a home in a wonderful neighborhood? This charming **3-bedroom, 2-bath, 2-car garage** home is tucked away on a spacious **corner cul-de-sac lot** and offers comfort, character, and numerous updates throughout. A stunning **floor-to-ceiling stone wood-burning fireplace** creates a warm focal point in the living room, while the oversized garage includes a dedicated workshop area perfect for hobbies or extra storage. Recent improvements include **luxury vinyl plank flooring** throughout the main living areas, fresh interior paint, updated kitchen appliances, a new dining room chandelier, new toilets, faucets, and a new water heater. The HVAC system was refurbished last year and enhanced with a new UV light for improved air quality. Additional features include updated electrical, a whole-house water filtration system, attic fan, and a generator for added peace of mind. Step through the double front doors into an inviting foyer that opens to the spacious living and dining rooms. Vaulted ceilings enhance the open feel, while the impressive stone fireplace anchors the space. Sliding doors lead to the expansive covered lanai, enclosed with vinyl windows and equipped with dual ceiling fans, creating the perfect spot to relax or entertain year-round. The private primary suite is located on the right side of the home and features vaulted ceilings, a large walk-in closet, dual vanities, a jetted soaking tub, separate shower, and a private water closet with a window for natural light. On the opposite side of the home, a short hallway leads to the eat-in kitchen, two additional bedrooms, a full guest bath, and the inside laundry room. The kitchen offers a convenient pass-through window to the lanai, making outdoor dining and entertaining easy, along with newer appliances and ample cabinet space. Just off the kitchen is a flexible room with pocket doors that can serve as a home office or third bedroom. The guest bathroom features a tub/shower combination and linen closet, while the secondary bedroom is accented with classic plantation shutters. The spacious inside laundry room includes a utility sink, two storage closets, and additional shelving to keep everything organized. With its thoughtful floor plan, numerous updates, oversized garage with workshop, and desirable location, this home is ready for its next owners to move in and enjoy.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,890
Sqft
0.36 ac
Lot size
2
Garage
1993
Year built
One
Levels
$169
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 and the real association fee — not generic estimates.
$2,491 /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
$2,491/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
+11.6%
$/sqft vs SUGARMILL WOODS CYPRESS VILLAGE
$169 vs $159
Days on market
21 vs 59 typical
Where $169/sqft sits among the 44 homes for sale in SUGARMILL WOODS CYPRESS VILLAGE
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 Cypress Village At Sugarmill Woods
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Homosassa. See the full Homosassa guide →
Cypress Village At Sugarmill Woods — neighborhood snapshot
Population
5,767
Median age
68
Median income
$74,848
Median home value
$304,688
Avg household
2
Households w/ children
413
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)
19 of 44
SUGARMILL WOODS CYPRESS VILLAGE have cut their price
Median sold price, Homosassa, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 15% above the HOMOSASSA 34446 median. See the full Homosassa market guide →
Paper trail
This home's history
Reality check
What actually sold near 4 SPRUCE PINE COURT N
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$310,000
39 SPECEBERRY CIRCLE · same community
3 bd · 2 ba · 1,874 sqft · $165/sqft · 203 DOM
Sold · Jan ’26$223,000
23 W MASTIC COURT · same community
2 bd · 2 ba · 1,839 sqft · $121/sqft · 5 DOM
Sold · Dec ’25$325,000
11 BIGLEAF COURT · same community
4 bd · 3 ba · 1,990 sqft · $163/sqft · 87 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 4 SPRUCE PINE COURT N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4 SPRUCE PINE COURT N — 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
4 SPRUCE PINE COURT N FAQs
What would the monthly payment be for 4 SPRUCE PINE COURT N?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,491/mo — principal and interest, the actual property-tax bill, the $11/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 4 SPRUCE PINE COURT N?+
The association fee works out to $11 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4 SPRUCE PINE COURT N?+
The most recent tax bill on record (2025) was $3,545. 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 4 SPRUCE PINE COURT N?+
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 Homosassa?+
At $319,900, this home is listed about 8% below the Homosassa median of $348,975. The market section on this page shows how the area is trending.
Which schools are assigned to 4 SPRUCE PINE COURT N?+
Lecanto High School (high), Lecanto Primary School (elementary), Lecanto 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 HOMAN REALTY GROUP INC. · Beth Powanda. MLS #W7887770.
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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