485 W COBBLESTONE LOOP, HERNANDO, FL, 34442
Active39 days on marketListed Jun 10, 2026MLS #TB8517064
About this home
485 W COBBLESTONE LOOP
One of the few remaining, buildable lots available in this community. Heritage is a 55+ gated community in Hernando, Florida. Heritage features single-family homes by three local builders, customizable with options such as extra garage space or a private pool. Residents of this quiet enclave appreciate the state’s natural beauty with a nature trail and preserve right in the neighborhood. Citrus County offers endless opportunities for outdoor recreation, with numerous waterways and wildlife areas available for boating, fishing, and hiking. Several golf courses are also in the area, making Heritage a great choice for active adults looking to spend more time outdoors. Built with an appreciation for Florida’s natural resources, Heritage features a half-mile nature trail through a preserve in the community’s center. Residents enjoy walking this path as well as taking fishing trips to the nearby waterways. The homeowners' association (HOA) helps facilitate a leisurely lifestyle by providing a maintenance-free environment. A monthly fee pays for 24-hour security, underground utilities including natural gas, lighted streets with curbs and sidewalks throughout, cable TV, and county water and sewer. Construction of Heritage began in 1986 and will include 70 homes once completed. These single-family homes range in size from 2,636 to 3,974 square feet and have two to four bedrooms, two or three bathrooms, and an attached two or three-car garage. Homebuyers can choose from ten different floor plans by three local builders. Popular features include breakfast nooks, gas fireplaces, and tiled showers. Heritage is located in a peaceful area referred to by locals as “The Florida Alps.” With elevations up to 200 feet above sea level, flooding is not a concern among residents of this area. A shopping center at Heritage’s entrance serves the community with restaurants, a coffee shop, a salon, and more. Several fantastic golf courses are nearby, including Skyview Golf Course, Brentwood Farms Golf Club, Citrus Hills Golf & Country Club, and Twisted Oaks Golf Course. Citrus County is also an outdoorsman’s dream with miles of natural preserves open for hiking, biking, and fishing. Homosassa River was even named as one of the twelve best fishing spots in North America by Sports Afield. Active adults looking for outdoor recreation and quality homes will find a lot to love at Heritage in Hernando, FL.
Facts & features
The home at a glance
0.29 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$602 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$602/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Hernando
Drive times from this address
Get to know Hernando. See the full Hernando guide →
HERNANDO 34442 — neighborhood snapshot
Population
16,356
Median age
65.7
Median income
$55,473
Median home value
$295,900
Avg household
2.03
Households w/ children
868
For the school run
Citrus County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Hernando market
$330K → $303K
Hernando median sold, yr/yr
95.1%
Sale-to-list ratio (12 mo)
Median sold price, Hernando, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 87% below the HERNANDO 34442 median. See the full Hernando market guide →
Paper trail
This home's history
Reality check
What actually sold near 485 W COBBLESTONE LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$275,000
3031 NE 51st Street # 201w, Fort Lauderdale FL 33308 · same community
2 bd · 2 ba · 1,300 sqft · $212/sqft · 92 DOM
Sold · Jan ’26$330,000
374 W COBBLESTONE LOOP · same community
3 bd · 2 ba · 2,076 sqft · $159/sqft · 270 DOM
Sold · Mar ’26$413,000
2218 N HERITAGE OAKS PATH · same community
3 bd · 2 ba · 2,189 sqft · $189/sqft · 69 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Arthur Middleton
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 485 W COBBLESTONE LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 485 W COBBLESTONE LOOP — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Arthur's phone and CRM.
Straight answers
485 W COBBLESTONE LOOP FAQs
What would the monthly payment be for 485 W COBBLESTONE LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $602/mo — principal and interest, the actual property-tax bill, the $176/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 485 W COBBLESTONE LOOP?+
The association fee works out to $176 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 485 W COBBLESTONE LOOP?+
The most recent tax bill on record (2025) was $536. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 485 W COBBLESTONE LOOP?+
The listing reports pets: Breed Restrictions, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Hernando?+
At $35,000, this home is listed about 91% below the Hernando median of $372,500. The market section on this page shows how the area is trending.
Which schools are assigned to 485 W COBBLESTONE LOOP?+
Forest Ridge Elementary School (elementary), Lecanto Middle School (middle), Lecanto High School (high) — Citrus County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of GLOBAL LIFESTYLE LLC · Manuela Hendrickson. MLS #TB8517064.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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