Front elevation7608 W OTTER STREET, HOMOSASSA, FL 34446
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 12, 2026, 7608 W Otter Street in Gulf Hwy Land Unit 10 Unrec, Homosassa is listed at $174,900 (1,512 sq ft, about $116 per sq ft). That is 34% below Gulf Hwy Land Unit 10 Unrec's median closed sale of $266,395 over the last 12 months (450 recorded sales). Per square foot it is below the community's recent $169/sq ft by about 31%. It came to market within the past week. Listing facts: built in 1988, no HOA. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1988 · 38 yrs
- 1,512 sq ft of living area
- New to market
- HOA ~$50/mo (estimate; confirm)
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 (1349 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 $116/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).
This home’s history
- 1988BuiltPer public record
- Aug 22, 2026First trackedObserved at $174,900
- NowActiveCurrently for sale
Build year is from public record. Listing 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.
Estimated monthly payment
- Principal & interest $908/mo 75%
- Taxes $153/mo 13%
- Insurance $92/mo 8%
- HOA $50/mo 4%
$1,204/mo at 20% down, 30-yr @ 6.76% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Momentum Property Score
75/100 is strong 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.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟡 Asking $116 per square foot, about 31% below 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 4.7% year over year. Confidence: Very High · 450 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 12, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 833 active listings in CITRUS SPGS UNIT 20, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Room to spread out on a fully fenced quarter-acre in Homosassa with no HOA, no CDD, and no deed restrictions. This 3-bedroom, 2-bath, 1,512-square-foot double-wide offers an impressive combination of interior upgrades, major system improvements, storage, security, and outdoor functionality. Inside, genuine hardwood flooring was installed approximately three years ago over plywood subflooring, with decorative plywood incorporated into the interior walls and added or reinforced support beams.
Soundproof panels have been installed in one room, along with additional shelving and LED strip lighting in the front living room. The electric fireplace was installed in 2022, and the former gas heater has been disconnected and blocked. The kitchen was renovated in 2022 with real-wood cabinetry and includes the refrigerator, stove, and dishwasher.
The washer and dryer are also included. The home is equipped with double-pane, impact-resistant windows installed between 2021 and 2022, including hurricane-resistant living room windows. Six LG in-wall heating and cooling units were installed in 2022, three of which operate on 220 volts, eliminating central ductwork to maintain.
The average electric bill is approximately $220 per month. The detached workshop/garage also has its own separate LG heating and cooling unit. Both bathrooms feature natural travertine stone.
The guest bathroom was updated in 2025 and includes a Bluetooth-enabled showerhead with direct access from the guest bedroom. The primary bathroom was updated in 2024 and features a Jacuzzi-style bubble bath, granite countertops, soft-close vanity drawers, a newer toilet and hardware, additional shelving, and added structural support beneath the travertine flooring. Major improvements include an aluminum roof and insulated siding completed in 2016, a well installed in 2021 with two water-filtration units, a water heater replaced in 2022, and a septic system and drain field installed in January 2026.
A two-year septic service agreement has already been paid and includes the option to extend. The fully fenced property features an approximately 15-foot-wide entrance gate with 16 solar lights installed along the gate and fence posts. Seven exterior surveillance cameras provide additional security, with a monitoring system located in the primary walk-in closet and a two-terabyte hard drive capable of storing approximately two weeks of recordings.
Exterior LED lighting surrounds the home. Outside, pavers extend across the front of the home toward the shed, while mature oaks and pines provide shade throughout the spacious backyard. A playhouse added in 2022 and a barn-style metal pool convey with the property, along with established tangerine and blueberry plants.
Storage and workspace are plentiful, including an approximately 16-by-8-foot loft-style shed with a metal roof and finished ceiling, a second smaller shed with a newer metal roof, and an approximately 12-by-20-foot workshop/garage constructed with three-quarter-inch pressure-treated plywood and its own LG heating and cooling unit. The covered carport provides room for vehicles or boats, features hardwired lighting, and is securely anchored in concrete with half-inch rebar. Located in FEMA Flood Zone X and convenient to US-19, Homosassa Springs Wildlife State Park, boating, fishing, and everything the Nature Coast has to offer.
Description provided by FLORIDAS A TEAM REALTY and reproduced from the MLS; not independently verified.
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
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Provided 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.The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
Actual list price: $174,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a 1988 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
- The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
- Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
- Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
- This home: 1 days on market vs. a 62-day community median
- 797 active listings competing, 223 under contract
For reference, this home is listed at $174,900 ($116/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 1,512 sq ft × $149–$189/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 12, 2026.
Similar homes for sale near GULF HWY LAND UNIT 10 UNREC
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.
Price & listing history
Building permits
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by FLORIDAS A TEAM REALTY · MLS # W7888822
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Recent sales activity in GULF HWY LAND UNIT 10 UNREC
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the GULF HWY LAND UNIT 10 UNREC neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Go deeper on GULF HWY LAND UNIT 10 UNREC
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
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.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Buyer research checklist
Items worth confirming for 7608 W Otter Street, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1988 (38 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
- FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
- 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 1,512 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 $1,836/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Approximate distances
Approximate drive times for general reference only.
Groceries, dining, and parks for this city — see the city guide.
Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
View →Data sources & freshness
| Listing record | Stellar MLS, refreshed twice daily (last: September 12, 2026) |
| Community market stats | Stellar MLS closed sales, as of September 12, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| 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.
Frequently asked questions
How big is 7608 W Otter Street and when was it built?
Per the listing record, 7608 W Otter Street was built in 1988 and has 1,512 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 7608 W Otter Street in?
7608 W Otter Street is in Gulf Hwy Land Unit 10 Unrec in Homosassa, Citrus County. The community section on this page shows recent closed sales, days on market, and active inventory for Gulf Hwy Land Unit 10 Unrec from the same MLS data.
Does 7608 W Otter Street have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 7608 W Otter Street differ from the current owner's?
The estimate on this page (about $1,836 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 7608 W Otter Street in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and 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.
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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 a typical county millage rate to the list price 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.
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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.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.