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Overview

4 bd2 ba1,709 sqft3 car garageSingle Family
TypeSingle Family
HOA$150/yr
Built2005
Lot10,815 sqft
Living area1,709 sqft
Price / sqft$187
Garage3 car

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

About this home

High CeilingsOpen FloorplanDeed RestrictionsDog ParkGated Community - No GuardDishwasherDryerMicrowave

4490 Ayrshire Dr is a 2005-built home in Sterling Hill Ph 1a, Spring Hill. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,709 square feet of living space. Listed at $318,900 (about $187/sqft), 158 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $150 annually.

From the listing

**2024 ROOF + 4 BEDROOMS + 3-CAR TANDEM GARAGE + CONSERVATION/NO REAR NEIGHBORS + GATED COMMUNITY + AMENITIES!** This 4-bedroom, 2-bath home offers 1,709 square feet of living space in the gated Sterling Hill community of Spring Hill. A functional split-bedroom floor plan provides separation between the primary suite and additional bedrooms, while the open living, dining and kitchen areas create an easy flow for everyday living and entertaining. The primary suite features generous closet space and a private en-suite bath. Three additional bedrooms offer plenty of flexibility for bedrooms, office space, hobbies or guests. Step outside to the covered lanai and enjoy the CONSERVATION BACKDROP WITH NO REAR NEIGHBORS—a standout feature that provides added privacy and a peaceful outdoor setting. The versatile 3-CAR TANDEM GARAGE provides valuable additional space for vehicles, storage, recreational equipment or a workshop area. Major updates include a NEW ROOF IN 2024 and A/C replaced in 2019. Sterling Hill offers an extensive selection of community amenities, including two clubhouses, two swimming pools, two fitness centers, tennis, pickleball, basketball and volleyball courts, playgrounds, splash pad, dog park, billiards, activity field and additional recreational spaces. Public water and sewer add everyday convenience. Conveniently located near shopping, dining, medical facilities and major roadways throughout Spring Hill. With FOUR BEDROOMS, a 2024 ROOF, 3-CAR TANDEM GARAGE, covered lanai, conservation setting with NO REAR NEIGHBORS and access to Sterling Hill's extensive amenities, this home delivers a combination of features that deserves a closer look. Schedule your private showing today!

The essentials

Built
2005
Price / sqft
$187
On market
158 days
Annual tax
$4,212
HOA
$150/yr
Flood zone
X · Low risk
Lot
10,815 sqft
Type
Single Family Residence

At a glance

Single family
Built 2005
3 car garage
0.25 acres
Lot size
1,709 sqft
Living area

Payment

Est. monthly payment
$2,186/mo
Down payment (20%)
$63,780
Property taxes
$351/mo
HOA
$150/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2005
Lot
10,815 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
158
High Ceilings
Open Floorplan
Deed Restrictions
Dog Park
Gated Community - No Guard
Dishwasher
Dryer
Microwave
Range
Refrigerator
Washer
In a CDD (Community Development District) Flood Zone X
Annual Tax (2025)
$4,212
Parcel #
R09-223-18-3601-0130-0140

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
Sterling Hill Ph 1a
County
Hernando
MLS Area
34609 - Spring Hill/Brooksville
Lot Size
10,815 sqft
HOA
$150/yr
Frankin / Sue

Price history

Date
Event
Price
8/22/2026
Price change
Source: Stellar MLS #TB8508011
$318,900-1.6%
$187/sqft
-
Price change
Source: Stellar MLS #TB8508011
$324,000-8.7%
$190/sqft
5/12/2026
Listed for sale
Source: Stellar MLS #TB8508011
$355,000
$208/sqft

Neighborhood

4490 Ayrshire Dr
Spring Hill, FL, 34609 · 34609 - Spring Hill/Brooksville

Market insights

Offer Insights

Choose an offer strength

List price: $318,900
$317,500 – $318,900
99.5% – 100% of listTops out right at the list price
80% of listList price
200 of the last 379 home closings in 34609 landed at this number or higher (53%). The median one sat 33 days before it went under contract, and this one is on day 158 after a $36,100 cut.

Sample: 379 closed home sales in 34609 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,187/mo
Principal & interest$1,663
Property taxes$351
Insurance$159
HOA$13
Down payment20% · $63,780
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

$318,900

$187 per sq ft

Beds and baths

4 beds, 2 baths

Size

1,709 sq ft

Time on market

158 days

Year built

2005

Monthly payment

About $2,186/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,212 annual tax bill, insurance, and the $150/yr HOA fee.

HOA fee

$150/yr

Managed by Frankin / Sue.

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 byPEOPLE'S TRUST REALTYListing agent: Kimberly Watson-JohnsonListing data from Stellar MLS, MLS# TB8508011.

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