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List Price

$249,000

1217 Fan, Citrus Springs, FL 34434

51 days on market

Estimated Payment

$1,999/mo

$0 down with a USDA loan and current market rates

Bedrooms3 bdBathrooms2 baLiving area1,427 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 2026

Listed by

Guilherme Fujisawa

RE/MAX TOWN CENTRE

Listed by another brokerage. HomeJam connects you directly with the listing side.

Buy this home your way.

Tour it. Make an offer yourself or bring your agent. Sign and close through HomeJam.

  • Tour directly
  • Make your offer
  • Bring your agent
  • Close in one place

NEW CONSTRUCTION | 3 BEDROOMS | 2 BATHROOMS | 1,860 SQ FT | 0.25-ACRE LOT | CITRUS SPRINGS. Welcome to this beautiful brand-new construction home located on a generous 0.25-acre lot in Citrus Springs, situated on a beautiful street surrounded by other attractive new construction homes. With 3 bedrooms, 2 bathrooms, and 1,860 square feet of thoughtfully designed living space, this home offers an excellent combination of modern comfort, functionality, and outdoor space. The open-concept floor plan provides a seamless flow between the living, dining, and kitchen areas, creating a welcoming space for everyday living and entertaining. The modern kitchen features stainless steel appliances, ample cabinetry, generous counter space, and a functional layout designed for both style and convenience. The spacious primary suite offers a private retreat with a well-appointed ensuite bathroom and plenty of closet space. Two additional bedrooms provide flexibility for family, guests, a home office, playroom, or other needs. The quarter-acre homesite provides room for outdoor activities, pets, gardening, recreation, or future improvements, subject to applicable requirements. The property also features a paved driveway, attractive contemporary exterior finishes, and excellent curb appeal. For added peace of mind, this home includes a builder-provided 7-Year Customized State Warranty for Florida, held by Residential Warranty Company - RWC. This home provides convenient access to shopping, restaurants, medical facilities, schools, major roadways, and Central Florida's many outdoor attractions. Enjoy nearby parks, trails, natural springs, equestrian activities, and easy access to surrounding communities. Whether you're looking for a primary residence, family home, second home, or investment property, this new construction offers modern living, a spacious quarter-acre homesite, and the appeal of being surrounded by other newer homes on a beautiful street. Easy showing with ShowingTime. Schedule your private tour today!

1217 Fan, Citrus Springs, FL 34434 in Citrus Springs, FL 34434 is listed for $249,000. The home has 3 bedrooms, 2 bathrooms, and 1,427 square feet, and was built in 2026. Listed 51 days ago. The listing is held by RE/MAX TOWN CENTRE.

34434 Market Report

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$204 (tax year 2025)

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 0% down on a USDA Rural Development loan, based on the latest published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

0%

Down payment (0% of price): $0

$

$1,999/moest.

0% down -- about $427 more per month than 20% down conventional.

  • Principal & Interest 85%
  • Property Taxes 1%
  • Insurance 10%
  • USDA Fee 4%
Principal & Interest
$1,701
Property Taxesfrom listing
$17
Insurance
$208
USDA Annual Fee
$73

The USDA annual fee continues for the life of the loan.

Included in your loan amount

USDA Guarantee Fee (financed)
$2,490

30-year fixed at 7.164%, as of November 10, 2026

Assumptions

USDA Rural Development: upfront fee 1.00%, annual mortgage insurance 0.35%; fee schedule effective October 1, 2025.

Mortgage rate: 7.164% for a 30-year fixed loan (Optimal Blue daily, published November 10, 2026). Your actual rate depends on your credit, loan type, and lender.

Down payment: 0% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender. Area eligibility is one requirement; USDA also applies household income limits and requires a primary residence. Your lender determines eligibility.

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Frequently Asked Questions

The estimated monthly payment is $1,999, based on 0% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $204 for tax year 2025. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Data courtesy of Stellar MLS as distributed by MLS GRID as of Oct 13, 2026 2:36 PM ET through Oct 14, 2026 2:36 PM ET. MLS# MFR812326073. HomeJam is not the listing broker.

List Price

$249,000

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