640 E Hartford St, Hernando, FL, 34442
About This Home
BRAND NEW ROOF TO BE PUT ON BEFORE CLOSE! Discover the perfect blend of comfort, style, and Florida living in this beautiful 3-bedroom, 2-bath, 2-car garage pool home located in sought-after Citrus Hills. Nestled on a half-acre homesite with golf course views, this home features a sunken living room with cathedral ceilings and floor-to-ceiling windows that flood the space with natural light. The open kitchen offers granite countertops, a pass-through to the lanai, and a breakfast bar for easy entertaining. Enjoy a spacious owner's suite with a walk-in closet, dual sinks, and a walk-in shower. On the opposite side of the home, ideal for privacy, are two guest bedrooms, that share a full bath with a tub/shower combo and double sinks, ideal for guests or family. Step outside to your Florida oasis-- featuring an oversized screened, covered lanai, the ideal place to enjoy outdoor living! The expansive paver decking has spots to enjoy the shade or soak up the sun! The heated pool, overlooks the 18th hole — your own private retreat! Surrounded by lush tropical landscaping for beauty and privacy, and ideally located close to shopping, dining, medical centers, trails, rivers, and beaches. This is the Florida lifestyle you've been dreaming of!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1988
Materials
- Foundation: Block,Slab
- Roof: Asphalt,Shingle
- Construction materials: Stucco
Type & Style
- Home type: SingleFamily
- Architectural style: One Story
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Electric Oven,Microwave,Refrigerator
- Laundry features: Laundry - Living Area
Bedroom
- Features: Ceiling Fan(s)
- Level: Main
- Dimensions: 12.00 x 11.00
Bedroom
- Features: Ceiling Fan(s)
- Level: Main
- Dimensions: 11.00 x 11.00
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Features
- Cathedral Ceiling(s),Dual Sinks,Eat-in Kitchen,Main Level Primary,Primary Suite,Open Floorplan,Stone Counters,Split Bedrooms,Updated Kitchen,Walk-In Closet(s),Wood Cabinets,Window Treatments,Sliding Glass Door(s)
- Door features: Double Door Entry,Sliding Doors
- Window features: Blinds
- Flooring: Luxury Vinyl Plank,Tile
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Central Air
Interior Area
- Total structure area: 2,588
- Total interior livable area: 1,754 sqft
Master Bedroom
- Features: Ceiling Fan(s),Dual Sinks,En Suite Bathroom,Walk-In Closet(s),Primary Suite
- Level: Main
- Dimensions: 17.00 x 12.00
Property
Details
- Parcel number: 2295201
- Zoning: CRR
- Special condition: Standard,Listed As-Is
Features
- Levels: One
- Stories: 1
- Pool features: Concrete,Electric Heat,Heated,In Ground,Pool,Screen Enclosure
- Exterior features: Concrete Driveway
Lot
- Lot size: 0.50 Acres
- Features: Flat,On Golf Course
Parking
- Total spaces: 2
- Parking features: Attached,Concrete,Driveway,Garage,Parking Pad
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- 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
- Tornado
- Heat Wave
- Inland Flooding
- Strong Wind
- 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 | $1,592 | $19,104 |
| Home Insurance * | $204 | $2,448 |
| Property Taxes | $341 | $4,092 |
| Electricity | $197 | $2,366 |
| Total | $2,334 | $28,008 |
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 |
|---|---|---|
| 2026-05-01 | Price change | $315,000 |
| 2026-03-12 | Price change | $325,000 |
| 2025-12-29 | Price change | $330,000 |
| 2025-11-11 | Price change | $339,900 |
| 2025-10-24 | Listed for sale | $349,900 |
| 2025-08-23 | Listing removed | $384,400 |
| 2025-06-13 | Listed for sale | $384,400 |
| 2024-12-02 | Listing removed | $394,000 |
| 2024-09-11 | Listed for sale | $395,000 |
| 2022-03-10 | Sold | $306,000 |
| 2022-02-05 | Pending sale | $339,000 |
| 2022-02-02 | Listed for sale | $339,000 |
| 2022-02-01 | Pending sale | $339,000 |
| 2022-02-01 | Listed for sale | $339,000 |
| 2022-01-31 | Pending sale | $339,000 |
| 2022-01-22 | Listed for sale | $339,000 |
| 2022-01-10 | Pending sale | $339,000 |
| 2021-12-09 | Price change | $339,000 |
| 2021-11-17 | Listed for sale | $348,900 |
| 2005-06-09 | Sold | $227,000 |
| 2003-01-08 | Sold | $140,000 |
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