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650 E Wacker St, Hernando, FL, 34442

5beds
2baths
2,460sqft
$440,000
$179price/sqft
$3,138/moest. monthly cost
$125,520/yrincome needed

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

0
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

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
    HurricaneVery High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Cold Wave
Inland Flooding
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 $2,224$26,688
Home Insurance *$285$3,420
Property Taxes $382$4,584
Electricity $247$2,970
Total$3,138$37,656
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$107,588/yr
40% on housing$94,140/yr
45% on housing$83,680/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

$179This listing

vs Other Active Listings

Avg $/sqft

ZIP 34442$198
Citrus County$155

vs Homes Sold Last Month

Median $/sqft

ZIP 34442$197
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
2026-04-06Price change$455,900
2026-03-06Price change$465,900
2026-02-07Listed for sale$479,900
1994-03-01Sold$20,000

For Sale by Agent

AgentAlexus Macblain
BrokerageKeller Williams Cornerstone RE

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