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List Price

$355,000

83 Oak Village, Homosassa, FL 34446

43 days on market

Estimated Payment

$3,169/mo

$0 down with a USDA loan and current market rates

Bedrooms3 bdBathrooms2 baLiving area2,083 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 1996

Listed by

Vanessa Gillis

SANTANA AND COMPANY REAL ESTATE

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.

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

ELEGANT FLORIDA LIVING • TURNKEY • OVERSIZED LOT NEW IMPROVEMENTS: a 2026 HOT WATER HEATER; 2026 NEW entry tile; 2026 NEW closet shelving; 2026 NEW cabinetry in the primary bathroom; 2025 NEW laundry room updates; 2025 NEW gutters and guards; 2025 FRESHLY PAINTED (interior and exterior); 2025 NEW blinds; 2025 NEW hardware throughout; 2025 NEW window tinting on the enclosed patio; 2022 ROOF and 2022 HVAC; 2022 FLOORING; 2022 washer and dryer; and updated landscaping. Beautifully maintained and thoughtfully updated, this exceptional home offers the perfect blend of comfort, style, and carefree Florida living. The IMMACULATE 3-bedroom, 2-bath SPLIT-bedroom floor plan is designed for both everyday living and entertaining, featuring a formal dining room and sitting area, PLUS an inviting open-concept family room and dinette with GORGEOUS arched windows above a built-in fireplace. The dinette seamlessly flows into the beautiful, high-ceilinged sunroom, creating an open and airy feel through the expansive windows and unobstructed views. The L-shaped enclosed sunroom is accessible from the primary bedroom, formal living room, and family room, offering a bright and inviting space overlooking a private, wooded, garden-like setting. The sunroom features central heating and air conditioning, along with newly tinted windows, making it a comfortable year-round retreat. Both the front and rear of the home provide relaxing porch spaces—perfect for enjoying morning coffee or an evening beverage around the portable fire pits.

83 Oak Village, Homosassa, FL 34446 in Homosassa, FL 34446 is listed for $355,000. The home has 3 bedrooms, 2 bathrooms, and 2,083 square feet, and was built in 1996. Listed 43 days ago. The listing is held by SANTANA AND COMPANY REAL ESTATE.

34446 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$3,943 (tax year 2025)
HOA fee$14 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 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

$

$3,169/moest.

0% down -- about $609 more per month than 20% down conventional.

  • Principal & Interest 77%
  • Property Taxes 10%
  • Insurance 9%
  • HOA 0%
  • USDA Fee 3%
Principal & Interest
$2,425
Property Taxesfrom listing
$329
Insurance
$296
HOA
$14
USDA Annual Fee
$105

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

Included in your loan amount

USDA Guarantee Fee (financed)
$3,550

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 $3,169, 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 $3,943 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# MFR812822171. HomeJam is not the listing broker.

List Price

$355,000

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