549 W National St, photo 1
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Overview

4 bd2 ba2,432 sqft2 car garageSingle Family
TypeSingle Family
HOA$99/yr
Built1991
Lot44,780 sqft
Living area2,432 sqft
Price / sqft$197
Garage2 car

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

About this home

Ceiling Fans(s)Primary Bedroom Main FloorVaulted Ceiling(s)Walk-in Closet(s)StorageCooktopDishwasherElectric Water Heater

549 W National St is a 1991-built home in Citrus Hills, Hernando. Inside you'll find 4 bedrooms, 2 bathrooms, and 2,432 square feet of living space. Listed at $480,000 (about $197/sqft), 12 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $99 annually.

From the listing

Set on approximately 1.03 acres in the Citrus Hills area of Hernando, this four-bedroom, two-bath residence offers 2,432 square feet of living space, a dedicated office, screened lanai and in-ground pool. Recent updates include new backyard landscaping, rock and pine bark landscaping in the front, new exterior paint, new bedroom flooring, new light fixtures in the dining room and hallway and new kitchen cabinet hardware. Mature trees complement the wooded setting and provide a natural backdrop for outdoor living. Inside, the floor plan creates multiple connections to the screened lanai and pool, including access from the breakfast nook, two secondary bedrooms and the primary suite. The spacious kitchen features white cabinetry, an eat-in counter that opens to the family room and two additional counter areas that can serve as coffee or beverage stations. Sliding glass doors connect the kitchen and breakfast area to the lanai. The primary suite features a vaulted ceiling and an adjacent office, providing a private space for work or other uses. The primary bath includes a step-in shower, two separate vanities, a private water closet and access to the lanai and pool. Three additional bedrooms provide flexible accommodations, including one with a Murphy bed that can be raised when additional floor space is desired. The laundry room features cabinetry, countertop workspace, shelving and a utility sink. The solar panels are fully paid off, with no solar lease to assume. The property is served by a private well and septic system. Outdoor living centers around the screened lanai and in-ground pool, extending the home's living space into its wooded surroundings. Located in the Citrus Hills area, the property provides convenient access to the Suncoast Parkway provides regional connectivity between Citrus County and the Tampa Bay area.

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The essentials

Built
1991
Price / sqft
$197
On market
12 days
Annual tax
$4,862
HOA
$99/yr
Flood zone
X · Low risk
Lot
44,780 sqft
Type
Single Family Residence

At a glance

Single family
Built 1991
Private pool
In Ground
2 car garage
Garage Door Opener
1.03 acres
Lot size
2,432 sqft
Living area

Payment

Est. monthly payment
$3,156/mo
Down payment (20%)
$96,000
Property taxes
$405/mo
HOA
$99/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1991
Lot
44,780 sqft
Cooling
Central Air
Heating
Central
Parking
Garage Door Opener
Pool
In Ground, Screen Enclosure
Days on Market
12
Ceiling Fans(s)
Primary Bedroom Main Floor
Vaulted Ceiling(s)
Walk-in Closet(s)
Storage
Cooktop
Dishwasher
Electric Water Heater
Microwave
Range
Refrigerator
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)
$4,862
Parcel #
19E-18S-18-0110-00470-0080

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
County
Citrus
MLS Area
34442 - Hernando
Lot Size
44,780 sqft
Landscaped
HOA
$99/yr
Citrus Hills Property Owners Association

Price history

Date
Event
Price
10/2/2026
Listed for sale
Source: Stellar MLS #OM733159
$480,000
$197/sqft

Neighborhood

549 W National St
Hernando, FL, 34442 · 34442 - Hernando

Market insights

Offer Insights

Choose an offer strength

List price: $480,000
$460,000 – $480,000
95.7% – 100% of listTops out right at the list price
80% of listList price
54 of the last 106 home closings in 34442 landed at this number or higher (51%). The median one sat 40 days before it went under contract, and this one is on day 12.

Sample: 106 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
$3,157/mo
Principal & interest$2,503
Property taxes$405
Insurance$240
HOA$8
Down payment20% · $96,000
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 includes any condo dues 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

$480,000

$197 per sq ft

Beds and baths

4 beds, 2 baths

Size

2,432 sq ft

Time on market

12 days

Year built

1991

Monthly payment

About $3,156/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,862 annual tax bill, insurance, and the $99/yr HOA fee.

HOA fee

$99/yr

Managed by Citrus Hills Property Owners Association.

Flood zone

Zone X

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

Offer

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Brokered byPREMIER SOTHEBY'S INTERNATIONAL REALTYListing agent: Angela RoseListing data from Stellar MLS, MLS# OM733159.

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