
464 E LIBERTY STREET, HERNANDO, FL, 34442
Active83 days on marketListed Apr 29, 2026MLS #W7885227
About this home
464 E LIBERTY STREET
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.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
3,375
Sqft
1.03 ac
Lot size
2
Garage
1994
Year built
One
Levels
$169
Per sqft
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.
$3,956 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$3,956/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs CITRUS HILLS 1ST ADD
$169 vs $213
Days on market
83 vs 37 typical
Where $169/sqft sits among the 23 homes for sale in CITRUS HILLS 1ST ADD
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Hernando
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)
14 of 23
CITRUS HILLS 1ST ADD have cut their price
Median sold price, Hernando, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 105% above the HERNANDO 34442 median. See the full Hernando market guide →
Paper trail
This home's history
Reality check
What actually sold near 464 E LIBERTY STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$520,000
599 E CHARLESTON COURT · same community
3 bd · 2.5 ba · 3,141 sqft · $166/sqft · 230 DOM
Sold · Apr ’26$429,900
497 N KINGLET AVENUE · same community
3 bd · 2.5 ba · 2,918 sqft · $147/sqft · 8 DOM
Sold · Feb ’26$550,000
1735 W REDDING STREET · same community
3 bd · 2 ba · 2,827 sqft · $195/sqft · 11 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
Dan Schriver
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 464 E LIBERTY STREET — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 464 E LIBERTY STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Dan's phone and CRM.
Straight answers
464 E LIBERTY STREET FAQs
What would the monthly payment be for 464 E LIBERTY STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,956/mo — principal and interest, the actual property-tax bill, the $15/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 464 E LIBERTY STREET?+
The association fee works out to $15 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 464 E LIBERTY STREET?+
The most recent tax bill on record (2025) was $5,973. 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 464 E LIBERTY STREET?+
The listing reports pets: Cats OK, Dogs OK. 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 $569,000, this home is listed about 53% above the Hernando median of $372,500. The market section on this page shows how the area is trending.
Which schools are assigned to 464 E LIBERTY STREET?+
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.
The brief
Four things that matter here
01Positioned at the premium end
$569,000 runs 105% above the HERNANDO 34442 median — but at 3,375 sqft it's also nearly twice the size of the typical Hernando listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
83 days on market against a Hernando median of 37 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $599,000, now $569,000 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HOME LAND REAL ESTATE INC · John Allocco Jr, PA. MLS #W7885227.
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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