45 Vinca St, photo 1
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Overview

5 bd5 ba3,801 sqft3 car garageSingle Family
TypeSingle Family
HOA$12.91/mo
Built2025
Lot14,114 sqft
Living area3,801 sqft
Price / sqft$184
Garage3 car

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Open house

Sunday, Oct 18 · 12:00 PM to 2:00 PM

About this home

Ceiling Fans(s)High CeilingsOpen FloorplanThermostatWalk-in Closet(s)Wet BarLightingDeed Restrictions

45 Vinca St is a 2025-built home in Sugarmill Woods, Oak Village, Homosassa. Inside you'll find 5 bedrooms, 5 bathrooms, and 3,801 square feet of living space. Listed at $699,900 (about $184/sqft), 320 days on market. Flood zone x - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $12.91 monthly.

From the listing

One or more photo(s) has been virtually staged. Come see this home and get $ 10,000 toward closing cost! This home is thoughtfully constructed home built by the same builder behind the widely recognized Mexico Beach residence that remained standing after Hurricane Michael. This property reflects a focus on durability, structural integrity, and long- term performance. The ICF (Insulated Concrete Form) luxury home is built for unmatched strength, energy efficiency, low electric costs, and long-term durability—engineered to withstand up to 260-mph winds and equipped with high-impact windows and a metal roof for superior storm protection and lower insurance costs. Hurricane strong, same construction as the last house standing in Mexico Beach. Featuring 5 bedrooms, 5 bathrooms, and a 3-car garage, this spacious residence sits on a desirable corner lot and offers an impressive open floor plan with a large living room, perfect for entertaining. The living area includes a wet bar, a coffee nook, and seamless flow into the kitchen, which showcases a pot filler, abundant cabinetry, and a walk-in pantry. The luxury master suite is thoughtfully designed with his-and-her closets, built-in shelving, and a private washer and dryer hook-up inside the closet for added convenience. The master bathroom offers a spa-like feel with elegant finishes and generous space. Enjoy true Florida living on the oversized lanai, ideal for gatherings, outdoor dining, and relaxing in privacy. Additional features include energy-efficient construction, modern finishes throughout, and a layout perfect for families, hosting, or multi-generational living. With its combination of strength, beauty, and efficiency, this ICF home offers peace of mind and exceptional comfort. Come experience the quality and craftsmanship for yourself—this home is truly built to last. Discover the highly desirable community of SugarMill Woods – Oak Village, where you can enjoy peaceful living with flexibility. Residents have the option to pay the low base HOA fee of just $12.91/month, or choose to upgrade and enjoy full community amenities for an additional fee. Sugar Mill Woods offers a variety of lifestyle amenities, including:Golf course, On-site restaurant, Olympic-size swimming pool, Fitness center ,Tennis and additional recreational facilities ,Beautiful walking areas and well-maintained common spaces Whether you prefer simple, low-cost living or want access to the full resort-style experience, this community gives you the freedom to choose. Oak Village is known for its quiet streets, natural surroundings, and close proximity to shopping, restaurants, and major highways. Close to Tampa and world-class beaches, state parks and bike trails.Virtually staged pictures.

The essentials

Built
2025
Price / sqft
$184
On market
320 days
Annual tax
$402
HOA
$12.91/mo
Flood zone
X · Low risk
Lot
14,114 sqft
Type
Single Family Residence

At a glance

Single family
Built 2025
3 car garage
0.32 acres
Lot size
3,801 sqft
Living area
Brand new
Built 2025

Payment

Est. monthly payment
$4,046/mo
Down payment (20%)
$139,980
Property taxes
$33/mo
HOA
$12.91/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2025
Lot
14,114 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
320
Ceiling Fans(s)
High Ceilings
Open Floorplan
Thermostat
Walk-in Closet(s)
Wet Bar
Lighting
Deed Restrictions
Golf Carts OK
Built-in Oven
Cooktop
Dishwasher
Electric Water Heater
Microwave
Range Hood
Refrigerator
Elementary
Lecanto Primary School
Middle
Lecanto Middle School
High
Lecanto High School

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

Flood Zone x
Annual Tax (2025)
$402
Parcel #
1820130020019000080

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
Sugarmill Woods, Oak Village
County
Citrus
MLS Area
34446 - Homosassa
Lot Size
14,114 sqft
HOA
$12.91/mo
Theresa Poist

Price history

Date
Event
Price
9/3/2026
Price change
Source: Stellar MLS #TB8452113
$699,900-3.5%
$184/sqft
-
Price change
Source: Stellar MLS #TB8452113
$725,000-19.4%
$191/sqft
11/28/2025
Listed for sale
Source: Stellar MLS #TB8452113
$899,900
$237/sqft

Neighborhood

45 Vinca St
Homosassa, FL, 34446 · 34446 - Homosassa

Market insights

Offer Insights

Choose an offer strength

List price: $699,900
$685,000 – $699,900
97.7% – 100% of listTops out right at the list price
80% of listList price
78 of the last 154 home closings in 34446 landed at this number or higher (51%). The median one sat 59 days before it went under contract, and this one is on day 320 after a $200,000 cut.

Sample: 154 closed home sales in 34446 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$4,047/mo
Principal & interest$3,650
Property taxes$33
Insurance$350
HOA$13
Down payment20% · $139,980
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

$699,900

$184 per sq ft

Beds and baths

5 beds, 5 baths

Size

3,801 sq ft

Time on market

320 days

Year built

2025

Monthly payment

About $4,046/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $402 annual tax bill, insurance, and the $12.91/mo HOA fee.

HOA fee

$12.91/mo

Managed by Theresa Poist.

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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Have another question?

Brokered byKELLER WILLIAMS REALTY - ELITE PARTNERS IIListing agent: Ida YoungListing data from Stellar MLS, MLS# TB8452113.

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