Licensed Florida Real Estate BrokerageIntegrated Closing ServicesMLS AccessBuy With or Without an Agent

HomeJam
Search Homes
1 / 15

List Price

$252,500

5676 Summerfield, Citrus Springs, FL 34434

230 days on market↓ $22K from original list price

Estimated Payment

$2,001/mo

$0 down with a USDA loan and current market rates

Bedrooms3 bdBathrooms2 baLiving area1,557 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 2026

Listed by

Alyson Aldana

ALDANA REALTY LLC

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

Virtually Staged. Beautiful new construction home! Located just a minute away from the Trail Head on the Withlacoochee Riding Trails. River access and waterfront restaurants surround this area. This house is move-in ready, on a paved street with waterline & septic. Luxury Plank Vinyl flooring throughout all living and common areas, tile in bathrooms, and carpet in the bedrooms. Open floor plan with dining area and eat-in kitchen, all done in neutral, pleasing colors. Inside laundry with W & D hook-ups. Walk-in closet + regular size closet in Master bedroom. Stainless steel appliance package in the kitchen. Cabinets are Quill shaker-style soft close with light luxury quartz countertops. Construction is complete, home is move-in ready! Stacked stone on the exterior entrance. Please see attached documents from Builder (Builders Contract Addendum & Warranty) Actual photos are currently unavailable, but model home photos so the same color cabinets as actual home.

5676 Summerfield, Citrus Springs, FL 34434 in Citrus Springs, FL 34434 is listed for $252,500. The home has 3 bedrooms, 2 bathrooms, and 1,557 square feet, and was built in 2026. Listed 230 days ago. The price was reduced from $274,000. The listing is held by ALDANA REALTY LLC.

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$185 (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 today's published rate.

Illustrative estimate

Loan Program

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

0%

Down payment (0% of price): $0

$

$2,001/moest.

  • Principal & Interest 85%
  • Property Taxes 1%
  • Insurance 10%
  • USDA Fee 4%
Principal & Interest
$1,702
Property Taxesfrom listing
$15
Insurance
$210
USDA Annual Fee
$74

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

Included in your loan amount

USDA Guarantee Fee (financed)
$2,525

30-year fixed at 7.03%, as of September 24, 2026

Assumptions

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

Mortgage rate: 7.03% for a 30-year fixed loan, published September 24, 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.

Need a mortgage?

Get connected with a loan officer without sending your information to a marketplace of lenders.

One request. One follow-up.

No barrage of calls or emails.

You Might Also Like

2676 Gifford, Citrus Springs, FL 34433

$285,000

2676 Gifford, Citrus Springs, FL 34433

3 bd · 2 ba · 1,464 sq ft

9328 Cortlandt, Dunnellon, FL 34434

$289,900

9328 Cortlandt, Dunnellon, FL 34434

4 bd · 2 ba · 1,895 sq ft

10150 Sabre, Citrus Springs, FL 34434

$300,000

10150 Sabre, Citrus Springs, FL 34434

3 bd · 2 ba · 1,557 sq ft

1217 Fan, Citrus Springs, FL 34434

$249,000

1217 Fan, Citrus Springs, FL 34434

3 bd · 2 ba · 1,427 sq ft

Frequently Asked Questions

The estimated monthly payment is $2,001, 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 $185 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 Sep 26, 2026 6:01 AM ET through Sep 27, 2026 6:01 AM ET. MLS# MFR781072589. HomeJam is not the listing broker.

List Price

$252,500

We use cookies and similar tools to remember how you found us, keep a session identifier, and understand which property pages you view. You can accept this use or decline optional tracking. See our privacy notice.