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9776 E Pebble Creek Ct, Inverness, FL, 34450

2beds
2baths
1,140sqft
$195,000
$171price/sqft
$1,465/moest. monthly cost
$58,600/yrincome needed

About This Home

A place for a primary or secondary home, no yard to mow, near shopping, doctors, hospitals, parks, lakes and a golf course. Come to the Moorings at Point O woods. Enjoy the sun room or patio. Bring your kayak and enjoy the canal while watching the wild life. Kick back and relax at the community pool or get some friends together for a friendly game of shuffleboard. Flooring in living room was replaced with Luxury Vinyl Plank June 2026. Heating and air system replaced in 2023. There are patio doors in the living room and master bedroom that lead to the enclosed porch with tile flooring. As a secondary home, the property can be rented out for 6 month at a time. Golf course is within walking distance, open to the public and has a small restaurant and night golfing. Inverness offers a walking bike path, a downtown area with many restaurants, pubs and festivities.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

5/10
Inverness Primary SchoolGrades PK-54.5 mi
4/10
Inverness Middle SchoolGrades 6-84.4 mi
4/10
Citrus High SchoolGrades 9-124.6 mi

Construction

Condition

  • Year built: 1989

Materials

  • Foundation: Slab
  • Roof: Asphalt,Shingle
  • Construction materials: HardiPlank Type

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Cooktop,Electric Oven,Electric Range,Microwave Hood Fan,Microwave,Refrigerator,Water Heater,Washer
  • Laundry features: Laundry - Living Area

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Cathedral Ceiling(s),Dual Sinks,Laminate Counters,Primary Suite,Open Floorplan,Split Bedrooms,Shower Only,Solar Tube(s),Separate Shower,Walk-In Closet(s),Window Treatments,First Floor Entry,Sliding Glass Door(s)
  • Door features: Sliding Doors
  • Window features: Blinds
  • Flooring: Carpet,Luxury Vinyl Plank,Tile

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 1,613
  • Total interior livable area: 1,140 sqft

Property

Details

  • Parcel number: 2545330
  • Zoning: PDR
  • Special condition: Standard

Features

  • Pool features: None,Community
  • Exterior features: Sprinkler/Irrigation,Landscaping,Lighting,Rain Gutters,Concrete Driveway
  • On waterfront: Yes
  • Waterfront features: Canal Access,Waterfront
  • Frontage type: Canal

Lot

  • Lot size: 3,920 sqft
  • Features: Zero Lot Line

Parking

  • Total spaces: 1
  • Parking features: Attached,Concrete,Driveway,Garage,Boat,Garage Door Opener,RV Access/Parking
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneVery High
  • Lightning
    LightningRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Inland Flooding
Strong Wind
Tornado
Wildfire
Tsunami

FEMA Declared Disasters in Citrus County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $986$11,832
Home Insurance *$117$1,404
Property Taxes $165$1,980
Electricity $197$2,366
Total$1,465$17,580
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$50,228/yr
40% on housing$43,950/yr
45% on housing$39,066/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 15.6%
15.6%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 5.1%
5.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$171This listing

vs Other Active Listings

Avg $/sqft

ZIP 34450$117
Citrus County$155

vs Homes Sold Last Month

Median $/sqft

ZIP 34450$182
Citrus County$169

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-01Price change$195,000
2026-06-25Price change$205,000
2026-06-08Listed for sale$215,000
2016-10-18Sold$77,000
2016-09-07Listed for sale$79,900
2001-09-26Sold$62,000

For Sale by Agent

AgentBetty Powell
BrokerageERA American Suncoast Realty

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