12021 Fern Terrace CT, photo 1
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Overview

3 bd2 ba2,032 sqft2 car garageSingle Family
TypeSingle Family
HOA$199/mo
Built2005
Lot9,869 sqft
Living area2,032 sqft
Price / sqft$194
Garage2 car

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

About this home

Eat-in KitchenKitchen/Family Room ComboLiving Room/Dining Room ComboPrimary Bedroom Main FloorSolid Surface CountersSolid Wood CabinetsSplit BedroomThermostat

12021 Fern Terrace CT is a 2005-built home in Heritage Spgs Village 23, Trinity. Inside you'll find 3 bedrooms, 2 bathrooms, and 2,032 square feet of living space. Listed at $395,000 (about $194/sqft), 72 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $199 monthly.

From the listing

WELCOME TO THIS WONDERFUL POND FRONT HOME LOCATED ON A QUIET CUL DE SAC IN THE SOUGHT AFTER 55+ COMMUNITY OF HERITAGE SPRINGS. THIS HOME HAS AN INCREDIBLE FLOOR PLAN AND WAS RECENTLY REFRESHED WITH NEW CARPETS AND INTERIOR PAINT. IT FEATURES 3 BEDROOMS, 2 FULL BATHROOMS, A SEPARATE STUDY, 2 CAR GARAGE AND A HUGE EXTENDED LANAI. THIS VILLAGE ALSO PROVIDES LAWN MAINTENANCE, SPRINKLERS AND EXTERIOR PAINTING EVERY SIX YEARS. UPON ENTERING THIS HOME YOUR EYES ARE IMMEDIATELY BE DRAWN UPWARD TO THE SOARING CEILINGS WHICH EXTEND DOWN THROUGH THE FORMAL LIVING AND DINING ROOMS TO THE EAT IN KITCHEN AND FAMILY ROOM. THE WELL DESIGNED KITCHEN OFFERS AN ISLAND, WOOD CABINETS, A PANTRY AND BUILT IN DESK AREA. THE FAMILY ROOM HAS THE SLIDING DOORS TO THE LANAI WHICH WILL PROVIDE STUNNING VIEWS OF THE POND AND NATURE. IT SHOULD BE NOTED THAT THE ORIGINAL LANAI (10’X14.5’) WAS EXTENDED AN ADDITIONAL 9.6’ X 25.4 FEET DURING CONSTRUCTION TO PROVIDE A ONE OF A KIND OUTDOOR RETREAT. THE PRIMARY SUITE BOASTS A VAULTED CEILING, A PRIVATE ENSUITE BATHROOM WITH GARDEN TUB, AND AN EXTRA LARGE WALK IN SHOWER AND DUAL SINKS. THERE IS AN ATTACHED PRIVATE STUDY WHICH CAN BE USED AS A OFFICE, TV ROOM OR A HOBBY ROOM. THE TWO SECONDARY BEDROOMS AND BATHROOM ARE LOCATED ON A SEPARATE WING OFFERING PRIVACY FOR GUESTS. HERITAGE SPRINGS IS A WONDERFUL ACTIVE AGE RESTRICTED COMMUNITY WHICH PROVIDES FOR ALL YOUR FUN TIME ACTIVITIES. ITS GRAND CLUBHOUSE FEATURES A RESTAURANT, BAR, A BALLROOM, CLUB AND GAME ROOMS AND A STUNNING COMMUNITY POOL AND SPA. THE COMMUNITY GOLF COURSE AND DRIVING RANGE ARE ABSOLUTELY STUNNING. THERE ARE ALSO TENNIS COURTS, BASKETBALL COURT, BOCCI AND LOTS OF SCENIC WALK WAYS AND BENCHES THROUGH OUT THIS WONDERFUL COMMUNITY. THE COMMUNITY’S SUPERB LOCATION ALSO PROVIDES EASY ACCESS TO MAIN ROADS, AIRPORTS, HOSPITALS, MALLS AND SHOPPING.

The essentials

Built
2005
Price / sqft
$194
On market
72 days
Annual tax
$3,885
HOA
$199/mo
Flood zone
X · Low risk
Lot
9,869 sqft
Type
Single Family Residence

At a glance

Single family
Built 2005
Waterfront
Canal - Freshwater
Community pool
Fitness center too
2 car garage
Driveway
9,869 sqft lot
Lot size

Payment

Est. monthly payment
$2,780/mo
Down payment (20%)
$79,000
Property taxes
$324/mo
HOA
$199/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2005
Lot
9,869 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Door Opener
Waterfront
Canal - Freshwater
Days on Market
72
Eat-in Kitchen
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Primary Bedroom Main Floor
Solid Surface Counters
Solid Wood Cabinets
Split Bedroom
Thermostat
Vaulted Ceiling(s)
Walk-in Closet(s)
Window Treatments
Private Entrance
Private Mailbox
Association Recreation - Owned
Clubhouse
Deed Restrictions
Fitness Center
Gated Community - Guard
Golf Carts OK
Golf
Irrigation-reclaimed Water
Pool
Restaurant
Sidewalks
Special Community Restrictions
Tennis Court(s)
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Homestead exemption on file In a CDD (Community Development District) Flood Zone X
Annual Tax (2025)
$3,885
Parcel #
17-26-33-006.0-000.00-003.0

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
Heritage Spgs Village 23
County
Pasco
MLS Area
34655 - New Port Richey/Seven Springs/Trinity
Lot Size
9,869 sqft
Cul-De-SacIn CountyNear Golf CoursePrivatePaved
HOA
$199/mo
MARTI PROVENZANO/ JUDY CLOR

Price history

Date
Event
Price
8/1/2026
Listed for sale
Source: Stellar MLS #TB8528896
$395,000
$194/sqft

Neighborhood

12021 Fern Terrace CT
Trinity, FL, 34655 · 34655 - New Port Richey/Seven Springs/Trinity

Market insights

Offer Insights

Choose an offer strength

List price: $395,000
$392,500 – $395,000
99.5% – 100% of listTops out right at the list price
80% of listList price
128 of the last 255 home closings in 34655 landed at this number or higher (50%). The median one sat 24 days before it went under contract, and this one is on day 72.

Sample: 255 closed home sales in 34655 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,780/mo
Principal & interest$2,060
Property taxes$324
Insurance$198
HOA$199
Down payment20% · $79,000
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

$395,000

$194 per sq ft

Beds and baths

3 beds, 2 baths

Size

2,032 sq ft

Time on market

72 days

Year built

2005

Monthly payment

About $2,780/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,885 annual tax bill, insurance, and the $199/mo HOA fee.

HOA fee

$199/mo

Managed by MARTI PROVENZANO/ JUDY CLOR.

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?

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Brokered byCOLDWELL BANKER REALTYListing agent: Claire WinhofferListing data from Stellar MLS, MLS# TB8528896.

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