464 E Liberty St, photo 1
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Overview

4 bd4 ba3,375 sqft2 car garageSingle Family
TypeSingle Family
HOA$180/yr
Built1994
Lot45,077 sqft
Living area3,375 sqft
Price / sqft$157
Garage2 car

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

About this home

Ceiling Fans(s)Open FloorplanPrimary Bedroom Main FloorWalk-in Closet(s)Outdoor KitchenSliding DoorsBuilt-in OvenCooktop

464 E Liberty St is a 1994-built home in Citrus Hills 1st Add, Hernando. Inside you'll find 4 bedrooms, 4 bathrooms, and 3,375 square feet of living space. Listed at $529,000 (about $157/sqft), 174 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $180 annually.

From the listing

Set on just over an acre in the Citrus Hills community, this 4-bedroom home offers the kind of space and layout that’s getting harder to find. With 3 full baths, a half bath, and over 3,300 square feet of living area (4,490 total), there’s plenty of room to spread out both inside and out… and be sure to check out the huge walk-in closet in the primary bedroom! Inside, the layout opens up nicely with expansive living areas and a spacious kitchen that provide plenty of space for everyday living and entertaining, with room for the family to grow. If you need a 5th bedroom, the office could be easily renovated. The oversized pantry includes a second refrigerator and continues into a large laundry room. The interior has been freshly painted, and there’s no carpet anywhere in the home—only tile flooring throughout for a clean, low-maintenance finish. All the major updates have already handled, including a roof replaced in 2020, a new HVAC system and water heater installed in 2023, and the pool was resurfaced in 2023 as well! Out back, the pool area is designed for gatherings, featuring a large deck and an outdoor kitchen setup. The outdoor kitchen will need updating, and the spa heater will need to be replaced—the seller has accounted for this and will not be addressing those items prior to closing. The oversized driveway and side-entry garage provide ample parking and functionality. Positioned directly across from the Citrus Hills Golf Course, the home provides convenient access to recreation without any required membership tied to the property. A spacious home on acreage with solid updates and room to make it your own. Don’t let this opportunity pass you by. Showings by appointment only. All information is intended to be accurate, however it is the responsibility of the buyer and buyer’s agent to confirm the accuracy of all information.

The essentials

Built
1994
Price / sqft
$157
On market
174 days
Annual tax
$5,973
HOA
$180/yr
Flood zone
X · Low risk
Lot
45,077 sqft
Type
Single Family Residence

At a glance

Single family
Built 1994
Private pool
In Ground
2 car garage
1.03 acres
Lot size
3,375 sqft
Living area

Payment

Est. monthly payment
$3,536/mo
Down payment (20%)
$105,800
Property taxes
$498/mo
HOA
$180/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1994
Lot
45,077 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Pool
In Ground, Outside Bath Access, Screen Enclosure
Days on Market
174
Ceiling Fans(s)
Open Floorplan
Primary Bedroom Main Floor
Walk-in Closet(s)
Outdoor Kitchen
Sliding Doors
Built-in Oven
Cooktop
Dishwasher
Dryer
Microwave
Refrigerator
Washer
Elementary
Hernando Elementary
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)
$5,973
Parcel #
19E-18S-18-0110-00380-0020

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
Citrus Hills 1st Add
County
Citrus
MLS Area
34442 - Hernando
Lot Size
45,077 sqft
HOA
$180/yr
Amy Carter

Price history

Date
Event
Price
7/28/2026
Price change
Source: Stellar MLS #W7885227
$529,000-7.0%
$157/sqft
-
Price change
Source: Stellar MLS #W7885227
$569,000-5.0%
$169/sqft
4/27/2026
Listed for sale
Source: Stellar MLS #W7885227
$599,000
$177/sqft

Neighborhood

464 E Liberty St
Hernando, FL, 34442 · 34442 - Hernando

Market insights

Offer Insights

Choose an offer strength

List price: $529,000
$505,000 – $529,000
95.5% – 100% of listTops out right at the list price
80% of listList price
55 of the last 108 home closings in 34442 landed at this number or higher (51%). The median one sat 40 days before it went under contract, and this one is on day 174 after a $70,000 cut.

Sample: 108 closed home sales in 34442 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$3,536/mo
Principal & interest$2,759
Property taxes$498
Insurance$265
HOA$15
Down payment20% · $105,800
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

$529,000

$157 per sq ft

Beds and baths

4 beds, 4 baths

Size

3,375 sq ft

Time on market

174 days

Year built

1994

Monthly payment

About $3,536/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,973 annual tax bill, insurance, and the $180/yr HOA fee.

HOA fee

$180/yr

Managed by Amy Carter.

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 byHOME LAND REAL ESTATE INCListing agent: John Allocco Jr, PAListing data from Stellar MLS, MLS# W7885227.

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