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About this home
1345 E Ray St is a home in Hercala Acres Unit 02, Hernando. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.
Discover the possibilities on this expansive 3.61-acre prooperty located at 1345 E Ray St in Hernando, Florida. Offering paved road frontage, this property provides plenty of room to create your own private retreat, homestead, or future investment opportunity. No flood insurance required, no HOA fees! Aerial photos show approximate property outlined in red. Seller is also selling property adjacent to this on the corner, photos show approx outline in Blue (address 1295 Ray St MLS#TB8537392) purchase both to secure almost 7.5 acres! Close in proximity to Citrus Hills Country Club! This spacious parcel gives you the opportunity to enjoy the natural beauty and laid-back lifestyle of Citrus County while remaining within reach of shopping, dining, outdoor recreation, and the surrounding communities. Whether you're looking for land to hold as an investment or searching for a larger homesite with room to spread out, this property is worth exploring.
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The essentials
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Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. 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
$125,000
Time on market
66 days
Monthly payment
About $786/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $855 annual tax bill, insurance.
Flood zone
Zone X
That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.
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