




650 E Wacker St, Hernando, FL, 34442
About This Home
Discover the perfect blend of space, flexibility, and opportunity with this 5 bedroom, 2 bathroom home offering 2,460 sq. ft. of living space on 1.25 acres, complete with a private attached mother in law suite with its own entrance, making it ideal for multi generational living, extended guests, or potential rental income. Inside the main home, you are welcomed by a living room that flows seamlessly into the kitchen, creating a comfortable layout for everyday living. The kitchen offers ample cabinet/counter space, pantry, granite countertops, and newer stainless steel appliances. Just off the kitchen is a large Florida room filled with natural light, a versatile space that could be used as a second living area, game room or relaxing sunroom. Down the hallway you will find three guest bedrooms with a full bathroom conveniently located nearby, which also includes the washer and dryer area for added convenience. On the opposite side of the home is the attached mother in law or guest suite, complete with its own private entrance. This space features a living room, full kitchen, two bedrooms and a Jack & Jill bathroom, offering privacy for extended family, visitors, or long term guests. Outside there is a storage shed along with an impressive detached 3 car concrete block garage that provides endless possibilities. The garage features a 200 amp panel with its own electric service and includes a separate section that could easily be converted into a paint booth, making it an excellent setup for a workshop, hobby space, or car enthusiast. Conveniently located near the Suncoast Parkway, this property offers easy access to shopping, schools, restaurants, and everyday conveniences, while also being close to the gulf for all your boating, and outdoor recreation. With plenty of living space, flexible layout options, and room to spread out both inside and outside, this property offers a rare opportunity to create the lifestyle you’ve been looking for!
Getting Around
Schools
Construction
Condition
- Year built: 1981
Materials
- Foundation: Block,Slab
- Roof: Asphalt,Shingle
- Construction materials: Block,Concrete,Stucco
Type & Style
- Home type: SingleFamily
- Architectural style: One Story
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Dishwasher,Electric Oven,Microwave,Refrigerator,Water Heater,Washer
- Laundry features: Laundry - Living Area
Bedroom
- Features: Ceiling Fan(s)
- Level: Main
Bedroom
- Features: Ceiling Fan(s)
- Level: Main
Bedroom
- Features: Ceiling Fan(s)
- Level: Main
Bedroom
- Features: Ceiling Fan(s)
- Level: Main
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 2
- Full bathrooms: 2
Family Room
- Features: Ceiling Fan(s)
- Level: Main
Features
- In-Law Floorplan,Main Level Primary,Primary Suite,Pantry,Stone Counters,Walk-In Closet(s),Wood Cabinets
- Flooring: Carpet,Linoleum,Tile
Florida Room
- Features: Ceiling Fan(s)
- Level: Main
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Central Air
Interior Area
- Total structure area: 2,640
- Total interior livable area: 2,460 sqft
Kitchen
- Level: Main
Living Room
- Features: Ceiling Fan(s)
- Level: Main
Master Bedroom
- Features: Ceiling Fan(s),Walk-In Closet(s),Primary Suite
- Level: Main
Property
Details
- Parcel number: 1609526
- Zoning: LDRMH
- Special condition: Standard,Listed As-Is
Features
- Levels: One
- Stories: 1
- Pool features: None
- Exterior features: Room For Pool,Unpaved Driveway
Lot
- Lot size: 1.25 Acres
- Features: Acreage,Cleared,Flat,Trees
Parking
- Total spaces: 3
- Parking features: Boat,Driveway,Detached,Garage,Parking Space(s),RV Access/Parking,Unpaved
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
- 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
- Lightning
- Cold Wave
- Inland Flooding
- Tornado
- Wildfire
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Citrus County and Florida
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,224 | $26,688 |
| Home Insurance * | $285 | $3,420 |
| Property Taxes | $382 | $4,584 |
| Electricity | $247 | $2,970 |
| Total | $3,138 | $37,656 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-06 | Price change | $455,900 |
| 2026-03-06 | Price change | $465,900 |
| 2026-02-07 | Listed for sale | $479,900 |
| 1994-03-01 | Sold | $20,000 |
