3540 E Buffalo Ln, photo 1
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Overview

0 baLand
TypeLand
HOANone listed
Lot3,066 sqft

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About this home

3540 E Buffalo Ln is a home in Apache Shores Unit 01, Hernando. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Discover a compelling opportunity to create your ideal Florida retreat on this quiet combination of five lots, perfectly positioned just across from the lake with peaceful water views. Whether you envision building a custom home, placing a manufactured home, or barndominium, this property offers valuable flexibility with an existing well and septic already in place—helping streamline your plans and reduce upfront costs. Enjoy the appeal of living near the water without the premium price, while securing a property with practical advantages and strong potential. Opportunities with this blend of location, utility, and value are increasingly hard to find—view today and submit your offer.

The essentials

On market
66 days
Annual tax
$144
Flood zone
X · Low risk
Lot
3,066 sqft
Type
Land

At a glance

Payment

Est. monthly payment
$577/mo
Down payment (20%)
$19,800
Property taxes
$12/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Land
Year Built
-
Lot
3,066 sqft
Cooling
-
Heating
-
Parking
-
Days on Market
66
Elementary
Hernando Elementary
Middle
Citrus Springs Middle School
High
Citrus High School

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

Flood Zone X
Annual Tax (2025)
$144
Parcel #
19E-18S-14-0010-00060-0090

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
Apache Shores Unit 01
County
Citrus
MLS Area
34442 - Hernando
Lot Size
3,066 sqft

Price history

Date
Event
Price
10/1/2026
Price change
Source: Stellar MLS #TB8539319
$99,000-17.4%
8/12/2026
Listed for sale
Source: Stellar MLS #TB8539319
$119,900

Neighborhood

3540 E Buffalo Ln
Hernando, FL, 34442 · 34442 - Hernando

Calculator

Est. monthly payment
$578/mo
Principal & interest$516
Property taxes$12
Insurance$50
Down payment20% · $19,800
Interest rate6.80%
Loan term

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Put in your household income and we will tell you where this payment sits.

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

$99,000

Time on market

66 days

Monthly payment

About $577/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $144 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.

Have another question?

Brokered byGAVIN REALTY INC.Listing agent: Charlynn RamirezListing data from Stellar MLS, MLS# TB8539319.

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