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12396 W Standish Dr, Homosassa, FL, 34448

2beds
2baths
1,048sqft
$639,000
$610price/sqft
$4,713/moest. monthly cost
$188,520/yrincome needed

About This Home

Waterfront Living in Old Homosassa with direct access to the Gulf of Mexico or the fresh water springs! This elevated 2-bedroom, 2-bathroom home boasts an impressive 165 feet of waterfront with breathtaking open water views. The main living quarters are upstairs, offering a bright and airy living space, granite countertops in the kitchen & a large bedroom & bathroom. The downstairs features an additional bedroom and bathroom—perfect for guests, extended family, or a rental opportunity. Whether you’re seeking a serene retreat, an investment property, or a short-term vacation rental, this home checks all the boxes. Located in Old Homosassa, you can navigate your boat or ride your golf cart to many local waterfront tiki bars and restaurants. Enjoy fishing, kayaking & scalloping or swim with our manatees! Public boat ramp is nearby too! Fall in love with the charm of Homosassa & pack your flip-flops and fishing poles to make this waterfront paradise yours today!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
4/10
4/10
Crystal River High SchoolGrades PK,9-1210.7 mi

Construction

Condition

  • Year built: 1985

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Multi-Level,Stilt
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Oven,Electric Range,Microwave,Washer
  • Laundry features: Laundry - Living Area

Bedrooms & Bathrooms

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

Features

  • Eat-in Kitchen,Furnished,In-Law Floorplan,Open Floorplan,Stone Counters,Wood Cabinets,Window Treatments,Sliding Glass Door(s)
  • Door features: Sliding Doors
  • Window features: Blinds,Impact Glass
  • Flooring: Luxury Vinyl Plank,Tile

Heating & Cooling

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

Interior Area

  • Total structure area: 2,168
  • Total interior livable area: 1,048 sqft

Property

Details

  • Parcel number: 1178401
  • Zoning: CLRMH
  • Special condition: Standard,Listed As-Is

Features

  • Pool features: None
  • Exterior features: Concrete Driveway,Outdoor Grill,Room For Pool
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Boat Dock/Slip,Gulf Access,River Access,Water Access,Waterfront
  • Frontage type: Waterfront
  • Frontage length: 165,165

Lot

  • Lot size: 5,227 sqft
  • Features: Cleared,Flat

Parking

  • Total spaces: 3
  • Parking features: Attached Carport,Attached,Concrete,Driveway,Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes
  • Carport: 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

  • Coastal Flooding
    Coastal FloodingVery High
  • Hurricane
    HurricaneVery High
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Lightning
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 $3,231$38,772
Home Insurance *$351$4,212
Property Taxes $934$11,208
Electricity $197$2,366
Total$4,713$56,556
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$161,588/yr
40% on housing$141,390/yr
45% on housing$125,680/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

$610This listing

vs Other Active Listings

Avg $/sqft

ZIP 34448$164
Citrus County$155

vs Homes Sold Last Month

Median $/sqft

ZIP 34448$212
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
2026-07-27Listed for sale$639,000
2026-07-07Pending sale$639,000
2026-06-07Listed for sale$639,000
2026-03-30Listing removed$649,999
2025-09-30Listed for sale$649,999
2024-12-06Listing removed$699,999
2024-10-24Price change$699,999
2024-09-12Listed for sale$749,000
2024-09-08Pending sale$749,000
2024-09-06Price change$749,000
2024-07-25Listed for sale$775,000
2007-06-18Sold$390,000

For Sale by Agent

AgentNadeene Horak
BrokerageSail Home Realty

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