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

HomeJam
Search Homes
1 / 15

List Price

$125,000

95 Hartford Unit Bldg 10, 8A, Hernando, FL 34442

81 days on market↓ $5K from original list price

Estimated Payment

$1,150/mo

$0 down with a USDA loan and current market rates

Bedrooms2 bdBathrooms2 baLiving area990 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 1985

Listed by

Ernestine Brinager

TROPIC SHORES REALTY

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

This MOTIVATED SELLER wants you to come and live the Florida Lifestyle in this maintenance-free Greenbrier of Citrus Hills condominium!!! Just move in and enjoy the beauty and tranquility of the neighborhood! This home features high ceilings in the living room, which opens out to a nice-sized screened lanai. Morning coffee will be especially enjoyable in this peaceful outdoor setting. The primary bedroom offers a generous walk-in closet, an updated bathroom, and convenient direct access to the lanai. The guest bedroom becomes a suite with a pocket door to the hallway, creating a private oasis for your guests!! Additional features include an inside laundry room with pantry-style shelving for extra storage. All appliances convey with the home, including the washer and dryer, making this property truly move-in ready. The location is ideal, just minutes from shopping, restaurants, golf courses, and miles of walking and biking trails. Citrus County offers easy access to beautiful rivers, lakes, freshwater springs, and the Gulf of Mexico, with endless opportunities to enjoy the activities the area is famous for, including fishing, boating, kayaking, canoeing, snorkeling, diving, and swimming with the manatees. And the best part? Exterior maintenance is taken care of for you, giving you more time to relax and enjoy everything the Florida lifestyle has to offer.

95 Hartford Unit Bldg 10, 8A, Hernando, FL 34442 in Hernando, FL 34442 is listed for $125,000. The home has 2 bedrooms, 2 bathrooms, and 990 square feet, and was built in 1985. Listed 81 days ago. The price was reduced from $129,900. The listing is held by TROPIC SHORES REALTY.

34442 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$1,855 (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

$

$1,150/moest.

0% down -- about $215 more per month than 20% down conventional.

  • Principal & Interest 74%
  • Property Taxes 13%
  • Insurance 9%
  • USDA Fee 3%
Principal & Interest
$854
Property Taxesfrom listing
$155
Insurance
$104
USDA Annual Fee
$37

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

Included in your loan amount

USDA Guarantee Fee (financed)
$1,250

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.

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

175 Hartford Unit 5a, Hernando, FL 34442

$129,000

175 Hartford Unit 5a, Hernando, FL 34442

2 bd · 2 ba · 990 sq ft

2400 Forest Drive Unit 148, Inverness, FL 34453

$129,900

2400 Forest Drive Unit 148, Inverness, FL 34453

2 bd · 2 ba · 1,035 sq ft

2400 Forest Unit 234, Inverness, FL 34453

$108,000

2400 Forest Unit 234, Inverness, FL 34453

2 bd · 2 ba · 1,035 sq ft

2400 Forest Unit 252, Inverness, FL 34453

$123,000

2400 Forest Unit 252, Inverness, FL 34453

2 bd · 2 ba · 1,035 sq ft

Frequently Asked Questions

The estimated monthly payment is $1,150, 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 $1,855 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# MFR803746098. HomeJam is not the listing broker.

List Price

$125,000

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.