Single Family Residence in Inverness · No CDD on record · Built 2026
Inverness, FL 34453 · Citrus County
Listing data updated October 12, 2026 at 2:06 PM ET · checked against the MLS hourly
4Bedrooms
3Bathrooms
2,146Sq Ft
2026Year Built
$210Per Sq Ft
3-car garageNew constructionNo CDD on record4 bedrooms
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
24% above
$/sq ft vs community
$210 here vs $169 median sold (12 mo)
Buyer leverage
Strong buyer advantage
3904.0-month supply
3904.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 12, 2026, 1465 E Saint James LOOP in Inverness is listed at $449,990 (2,146 sq ft, about $210 per sq ft). That is 70% above Inverness's median closed sale of $265,000 over the last 12 months (455 recorded sales). Per square foot it is above the community's recent $169/sq ft by about 24%. It came to market within the past week. Listing facts: new construction, HOA dues of $8/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
New construction — built 2026
2,146 sq ft of living area
3-car garage
Active listing
HOA $8/mo (per listing)
Listing description
About this home
NEW CONSTRUCTION | EST. COMPLETION 11/30/26 | .74-ACRE LOT Brand-new construction in Cambridge Greens of Citrus Hills! Situated on a spacious 0.74-acre lot, this 4-bedroom, 3-bathroom home offers 2,146 sq.
ft. of living space, a 3-car garage, and modern finishes throughout. Step inside to an inviting open floor plan featuring soaring ceilings and luxury vinyl plank flooring.
The living, dining, and kitchen areas flow seamlessly together, creating a welcoming space for everyday living and entertaining. The kitchen features white shaker cabinetry with soft-close drawers, quartz countertops, stainless steel appliances, a tile backsplash, a large center island with seating, and a spacious pantry. The primary suite offers an oversized walk-in closet and a beautifully appointed en-suite bathroom featuring dual vanities, quartz countertops, and a tiled walk-in shower.
A second bedroom also features its own en-suite bathroom, offering added privacy and comfort for guests or family members. Two additional bedrooms provide flexibility for family, guests, or a home office. The attached 3-car garage features an epoxy-coated floor for a clean, finished look and easy maintenance.
Enjoy the outdoors from the covered lanai overlooking the expansive backyard. With 0.74 acres, there is plenty of room to create your ideal outdoor retreat, whether you envision a pool, garden, play area, or simply a spacious backyard to enjoy. Built with concrete block construction and double-pane windows, this home includes a 10-year structural warranty and a 1-year builder warranty for added peace of mind.
Conveniently located near shopping, medical facilities, restaurants, golf, boating, and fishing, with plenty of opportunities to enjoy Florida's beautiful Nature Coast. Optional membership opportunities are available at Citrus Hills Golf & Country Club. Contact us for additional details about membership options and benefits.
Estimated completion: November 30, 2026. Don't miss the opportunity to make this brand-new Citrus Craft Homes property your own!
Description provided by TERRA VISTA REALTY GROUP and reproduced from the MLS; not independently verified.
Listing courtesy of TERRA VISTA REALTY GROUP · Listing agent: Roni Sayer · 352-746-6121Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed by the MLS to be accurate.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$449,990
Bed / bath4 / 3
Living area2,146 sq ft
Year built2026
Property typeSingle Family Residence
Garage3-car
MLS #CC858521
Listing statusActive
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
CountyCitrus
Area listings795 active · 220 under contract
Estimated first-year tax~$4,725/yr
CDD assessmentNone on record
HOA$8/mo
Calculated estimates
Price per sq ft$210
Estimated monthly payment$3,012
Insurance (illustrative)$1k–$2k/yr
Comparable-sales median$265,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$3,012/mo
Principal & interest $2,493/mo83%
Taxes $394/mo13%
Insurance $118/mo4%
HOA $8/mo0%
$3,012/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$4,725/yr
Estimate: a typical Citrus effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$1k–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$8/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
Not on record
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Citrus County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for Citrus County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneVery High
Coastal floodingRelatively High
Inland floodingRelatively Moderate
Heat waveRelatively Low
WildfireRelatively Moderate
TornadoRelatively Moderate
LightningRelatively High
Strong windRelatively Moderate
DroughtVery Low
HailVery Low
Cold waveRelatively Low
Winter weatherVery Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · CITRUS SPGS UNIT 20
Pricing & the CITRUS SPGS UNIT 20 market
How this home is priced against recent nearby sales, and where CITRUS SPGS UNIT 20 has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
Price vs. size in CITRUS SPGS UNIT 20
Each dot is a closed sale since 2012 (1361 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2017–2026. This home lists at $210/sq ft.
Median sale price by year
12-month median closed price, 2017–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2018–2026. Now 22 (cold).
Property timeline
This home’s history
2026BuiltPer public record
Oct 12, 2026First seen on movewithmomentum.comObserved at $449,990
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $449,990Momentum Realty · on market 0 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
No closed sales of a similar home within about 10 miles in Citrus County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for Inverness, FL. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
The Messtimate™
The Messtimate
Insufficient local evidence for an automated estimate. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when at least 3 defensible sales exist within about 10 miles in Citrus County in the last 18 months. None qualify for this home, so no dollar range is shown. It is not an appraisal or a valuation.
Want a property-specific value review? A licensed Momentum Realty agent can prepare a free comparative market analysis using the home, the lot, its condition, and the live market.
Methodology: the range would be 2,146 sq ft × the interquartile $/sq ft of comparable closed sales (same property type, living area within 30%, closed within 18 months, nearest verified subdivision, 3-mile, then 10-mile same-county stage). Estimate for general information only; never an appraisal, valuation, or offer. Updated October 12, 2026.
Momentum Scores
Momentum Property Score
37/100
Strongest on: Market timing (78), Pricing power (58)
0 limited50100 exceptional
37/100 is limited across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area0
This home $210/sq ft vs the community 12-month median $169/sq ft.
Affordability0
List price $449,990 vs the community median $265,000. Not a measure of personal affordability.
Market liquidity50
Community median 63 days on market (12-month record).
Pricing power58
Recent sales closed at about 96.4% of original asking (~3.6% below). More room below asking generally favors buyers.
Market timing78
Momentum Market Heat is 22/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.
Coverage: 5 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟡 Asking $210 per square foot, about 24% above the community’s $169 median. CITRUS SPGS UNIT 20’s 12-month median sold price per square foot is $169. Median sold price per square foot is down 5.2% year over year. Confidence: Very High · 455 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent CITRUS SPGS UNIT 20 sales closed near 96.4% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 795 active listings in CITRUS SPGS UNIT 20, no CDD assessment.
Updated October 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by TERRA VISTA REALTY GROUP · MLS # CC858521
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Keep looking
Similar homes for sale near Inverness
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Development
Betz Farm 1,466-home proposal near Crystal River heads to county commission after denial recommendation
The 350-acre Betz Farm site on North Turkey Oak Drive near State Road 44 and U.S. 19 is proposed for 1,466 homes (1,138 single-family and 328 townhomes), down from 1,542 allowed in the original plan. The Planning and Development Commission voted 7-0 on Aug. 20 to recommend denial, and the County Commission hears it Tuesday.
Why it matters: If approved, the project would add a large block of housing supply on the Crystal River corridor, with added traffic on State Road 44 and U.S. 19 and flood-zone construction requirements. The site is about 3 miles south of Zz Stellar Citrus Unassigned.
Citrus commissioners to consider aviation economic development board for county airports
Commissioners were set to consider creating a board of people with aviation and business experience to study opportunities at the county's two public airports, Inverness Airport and Crystal River Airport. Commissioner Jeff Kinnard proposed it, and it would not replace the existing Aviation Advisory Board.
Why it matters: Aims to grow airport traffic and business activity, which could affect future aviation-related employment and commercial land demand near the airports. The site is about 5 miles south of Zz Stellar Citrus Unassigned.
Home Depot set to open Oct. 15 at State Road 44 and Kensington Avenue in Lecanto
Home Depot plans to open a store of about 136,980 square feet on the northeast corner of State Road 44 and Kensington Avenue, west of Inverness, on Oct. 15. The company says it is one of 12 locations it is opening this year.
Why it matters: Adds a large home-improvement retailer in central Citrus County, shortening shopping trips for residents who now travel to neighboring counties. The project is about 9 miles southeast of Zz Stellar Citrus Unassigned, elsewhere in Citrus County.
Former Crystal River Mall site townhome project delayed by construction costs
The developer plans 56 townhomes on the south side of the former mall site, starting with seven eight-unit buildings, a clubhouse and a dog park, under an approved PUD with a civil site plan permit issued. He cited interest rates, tariffs and energy costs for the delay and says construction could begin within 60 days if conditions improve; the deadline is 2034.
Why it matters: The long-vacant mall site stays undeveloped for now, delaying new housing supply and retail redevelopment on the U.S. 19 corridor. The site is about 3 miles south of Zz Stellar Citrus Unassigned.
Schools currently assigned to this address in Citrus County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEB
Hernando ElementaryAssigned elementary school · Citrus County School District · Grade B (Florida DOE 2025-26)
GRADEC
Inverness Middle SchoolAssigned middle school · Citrus County School District · Grade C (Florida DOE 2025-26)
GRADEC
Citrus High SchoolAssigned high school · Citrus County School District · Grade C (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Amenities and HOA/CDD detail on the neighborhood guide.
Before you decide
Buyer research checklist
Items worth confirming for 1465 E Saint James LOOP, chosen from what the record shows. This is general guidance, not advice about this specific property.
New construction: get the builder's warranty terms and the certificate of occupancy in writing, and ask which finishes shown are upgrades.
HOA dues are listed at $8/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
Get a homeowners insurance quote for this specific address in Citrus County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 2,146 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $4,725/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
Stellar MLS, checked against the MLS hourly (last: October 12, 2026)
Comparable sales
Fewer than 3 defensible closed sales within about 10 miles in Citrus County — no medians or automated estimate shown
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Typical county effective rate applied to the list price; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 1465 E Saint James LOOP and when was it built?
Per the listing record, 1465 E Saint James LOOP was built in 2026 and has 2,146 sq ft of living area, 4 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 1465 E Saint James LOOP in?
1465 E Saint James LOOP is in Inverness, Citrus County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 1465 E Saint James LOOP have an HOA, and how much are the dues?
The listing reports HOA dues of $8 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 1465 E Saint James LOOP differ from the current owner's?
The estimate on this page (about $4,725 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 1465 E Saint James LOOP in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 1465 E Saint James LOOP in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
