631 E Liberty St, photo 1
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Overview

3 bd2 ba1,887 sqft2 car garageSingle Family
TypeSingle Family
HOA$150/yr
Built1990
Lot21,825 sqft
Living area1,887 sqft
Price / sqft$185
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

High CeilingsDeed RestrictionsDog ParkFitness CenterPoolRacquetballRestaurantTennis Court(s)

631 E Liberty St is a 1990-built home in Citrus Hills 1st Add, Hernando. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,887 square feet of living space. Listed at $350,000 (about $185/sqft), 97 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $150 annually.

From the listing

Virtually Staged. Don't miss the HUGE SAVINGS! One or more photo(s) has been virtually staged. Exceptional Value in Citrus Hills – Pool Home on the Golf Course at a 130 ft above sea level! Priced to sell, this beautiful Pool home offers an outstanding opportunity to enjoy the sought-after Citrus Hills lifestyle at an exceptional value with an extensive Lanai and Pool surrounded by Trees for a private view! Perfectly situated along the golf course and surrounded by mature trees, this bright and spacious 3-bedroom, 2-bath home combines comfort, scenic views, and quality updates. Mature Landscaping enhances the curb appeal, creating a warm welcome from the moment you arrive. Step through elegant double entry doors with arched windows into a light-filled great room featuring a cozy wood-burning fireplace—an inviting space for both everyday living and entertaining. French doors open to a large, screened lanai, where you'll enjoy outdoor dining, relaxing by the sparkling pool, and peaceful golf course views. The spacious primary suite offers large closets, a luxurious jetted soaking tub, and a separate shower, while two additional bedrooms provide plenty of space for family or guests. The flexible living area easily accommodates a media center or can be arranged to fit your lifestyle. Major updates provide added value and peace of mind, including a new roof (2020) and HVAC system (2018). Additional features include an oversized two-car garage and a conveniently located laundry area near the guest bedrooms. Located in the highly desirable Citrus Hills community, the required social membership opens the door to an exceptional resort-style lifestyle. Enjoy championship golf, tennis, pickleball, bocce, a full-service fitness center and spa, multiple pools, three restaurants, dog parks, and a vibrant calendar of clubs and social events. Exciting new amenities—including the Rockwood Park Center and a resort-style pool—are currently being added, making this an even greater investment in your future. If you've been searching for a golf course pool home that offers space, updates, beautiful surroundings, and an unmatched amenity package at an attractive price, this home deserves a place at the top of your list. Come experience the best of Florida living in Citrus Hills!

The essentials

Built
1990
Price / sqft
$185
On market
97 days
Annual tax
$2,060
HOA
$150/yr
Flood zone
X · Low risk
Lot
21,825 sqft
Type
Single Family Residence

At a glance

Single family
Built 1990
Private pool
In Ground
2 car garage
Garage Door Opener
0.50 acres
Lot size
1,887 sqft
Living area

Payment

Est. monthly payment
$2,184/mo
Down payment (20%)
$70,000
Property taxes
$172/mo
HOA
$150/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1990
Lot
21,825 sqft
Cooling
Central Air
Heating
Heat Pump
Parking
Garage Door Opener, Garage Faces Side
Pool
In Ground
Days on Market
97
High Ceilings
Deed Restrictions
Dog Park
Fitness Center
Pool
Racquetball
Restaurant
Tennis Court(s)
Dishwasher
Dryer
Microwave
Range
Refrigerator
Washer
Elementary
Forest Ridge Elementary School
Middle
Lecanto Middle School
High
Lecanto High School

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$2,060
Parcel #
19E-18S-18-0110-00340-0160

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Citrus Hills 1st Add
County
Citrus
MLS Area
34442 - Hernando
Lot Size
21,825 sqft
Level
HOA
$150/yr
CITRUS HILLS HOA / Laura Lambert

Price history

Date
Event
Price
10/5/2026
Price change
Source: Stellar MLS #OM728102
$350,000-12.4%
$185/sqft
7/6/2026
Listed for sale
Source: Stellar MLS #OM728102
$399,500
$212/sqft

Neighborhood

631 E Liberty St
Hernando, FL, 34442 · 34442 - Hernando

Market insights

Offer Insights

Choose an offer strength

List price: $350,000
$335,000 – $350,000
95.8% – 100% of listTops out right at the list price
80% of listList price
52 of the last 103 home closings in 34442 landed at this number or higher (50%). The median one sat 40 days before it went under contract, and this one is on day 97 after a $49,500 cut.

Sample: 103 closed home sales in 34442 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,185/mo
Principal & interest$1,825
Property taxes$172
Insurance$175
HOA$13
Down payment20% · $70,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$350,000

$185 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,887 sq ft

Time on market

97 days

Year built

1990

Monthly payment

About $2,184/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,060 annual tax bill, insurance, and the $150/yr HOA fee.

HOA fee

$150/yr

Managed by CITRUS HILLS HOA / Laura Lambert.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byRE/MAX FOXFIRE - HWY 40Listing agent: Paula FuhstListing data from Stellar MLS, MLS# OM728102.

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