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List Price

$599,900

11870 Riverhaven, Homosassa, FL 34448

237 days on market↓ $149K from original list price

Estimated Payment

$5,112/mo

$0 down with a USDA loan and current market rates

Bedrooms4 bdBathrooms2 baLiving area2,259 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 1981

Listed by

Amy Maki

TROTTER 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

Virtually Staged. Step beyond the expected...this one-of-a-kind home offers more than just space-it delivers an experience. Tucked within the formal living room, a cleverly concealed door near the fireplace reveals a hidden bonus room, well suited for creating your own speakeasy-style lounge, media room, family room, or ultimate man cave retreat. You can golf cart to the river from this charming Riverhaven Village home and escape to refined waterfront living. Riverhaven Village offers a welcoming neighborhood atmosphere where residents enjoy morning walks, bike rides, and cruising the community by golf cart. The streets are often filled with neighbors out enjoying the Florida sunshine, creating a friendly and social environment that makes it easy to feel right at home. This fully remodeled hidden gem is MOVE-IN READY. This home offers flexible living and is currently configured as a 3-bedroom, 2-bath home with a bonus room, or may function as a 4-bedroom, 2-bath residence, as reflected by the Property Appraiser. The fourth bedroom easily lends itself as a home office, nursery, or guest retreat, accommodating a variety of lifestyle needs this room also has a separate entrance making it comfortable setup for extended family or overnight guests.

11870 Riverhaven, Homosassa, FL 34448 in Homosassa, FL 34448 is listed for $599,900. The home has 4 bedrooms, 2 bathrooms, and 2,259 square feet, and was built in 1981. Listed 237 days ago. The price was reduced from $748,900. The listing is held by TROTTER REALTY.

34448 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$4,526 (tax year 2025)
HOA fee$15 per month

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

$

$5,112/moest.

0% down -- about $1,017 more per month than 20% down conventional.

  • Principal & Interest 79%
  • Property Taxes 7%
  • Insurance 10%
  • HOA 0%
  • USDA Fee 3%
Principal & Interest
$4,043
Property Taxesfrom listing
$377
Insurance
$500
HOA
$15
USDA Annual Fee
$177

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

Included in your loan amount

USDA Guarantee Fee (financed)
$5,999

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.

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Frequently Asked Questions

The estimated monthly payment is $5,112, 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 $4,526 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 27, 2026 5:58 AM ET through Sep 28, 2026 5:58 AM ET. MLS# MFR781085188. HomeJam is not the listing broker.

List Price

$599,900

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