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657 W Keller St, Hernando, FL, 34442

6beds
4baths
2,831sqft
$529,900
$187price/sqft
$4,014/moest. monthly cost
$160,560/yrincome needed

About This Home

IT’S ALWAYS THE LITTLE THINGS! Small details make the biggest impression and mean the most to the discernable buyer. NEW ROOF, NEW HVAC & NEW TANKLESS WATER HEATER in 2025 for NO WORRIES! This 6-bedroom/4 bath home, sitting on 1.21 acres, is the epitome of comfort, warmth and belonging. It’s the place to be… whether it’s for holiday gatherings poolside, watching Sunday football in the family room with the built-in entertainment center, afternoon card games in the nook with refreshments & treats at the dry bar, or providing the perfect ambiance to your distinguished guests in the front, formal rooms. The formal living and dining rooms are separated from the rest of the home and showcase a tray ceiling in the dining room, a DOUBLE tray in the living room, wall niche and lighted ledge with crown molding around the perimeter. Through the small alcove with built-in shelving and into the kitchen, you have entered the large common area where family can relax and let the good times roll! The kitchen boasts a double wall oven, separate cooktop, closet pantry, island with seating and a breakfast bar. A pass-through window from the kitchen to the lanai is super handy for those wonderful get-togethers! The amazing floor plan provides plenty of privacy and escape from your busy day with the master bedroom being located off the quiet, formal end of the house, while the guest hallway with the remaining 5 bedrooms is located off the family room at the other end of the home. The master bedroom features a tray ceiling of its own, dual walk-in closets, plant shelves and an ensuite with split vanities, makeup desk, garden tub, separate walk-in shower and linen closet. BONUS: A separate sitting room/office with a slider is just off the master bedroom. In the guest wing, the other bedrooms all have plant shelves and double bifold closets. There are so many closets… CLOSETS GALORE! There are 4 separate, additional closets in the guest hallway, as well as double bifold linen closets in the bathrooms. Saving the best for last, the covered lanai with the screen enclosed pool is the last stop and most welcome ending to your day! Full landscaping with an 8-zone irrigation system for convenience. A large circular driveway for all the comings and goings is a plus! No Flood Zone! Perfectly located in the Villages of Citrus Hills, which is only 5 miles away from Citrus County’s BRAND-NEW RETAIL HUB, The Shoppes of Black Diamond. This hot spot is a Shopper’s Delight, featuring many well-known retailers, as well as some of your favorite Big Box Stores. Remember all those closets! And of course, Crystal River is only 20 minutes away for fishing, kayaking, biking, nature walks and the only place to SWIM WITH THE MANATEES. A FREE 1yr HOME WARRANTY for peace of mind is OFFERED to the Buyer!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

4/10
5/10
Lecanto Middle SchoolGrades 6-85.0 mi
5/10
Lecanto High SchoolGrades 9-125.1 mi

Construction

Condition

  • Year built: 2002

Materials

  • Foundation: Block,Slab
  • Roof: Asphalt,Shingle,Ridge Vents
  • Construction materials: Stucco

Type & Style

  • Home type: SingleFamily
  • Architectural style: Detached,One Story
  • Property subType: Single Family Residence

Interior

Appliances

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

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 4
  • Full bathrooms: 4

Family Room

  • Features: Built-in Features,Ceiling Fan(s)
  • Level: Main
  • Dimensions: 19.00 x 13.00

Features

  • Breakfast Bar,Bathtub,Tray Ceiling(s),Dual Sinks,Garden Tub/Roman Tub,Laminate Counters,Main Level Primary,Primary Suite,Pantry,Sitting Area in Primary,Split Bedrooms,Separate Shower,Tub Shower,Walk-In Closet(s),Window Treatments,First Floor Entry,Sliding Glass Door(s)
  • Door features: Double Door Entry,Sliding Doors
  • Window features: Blinds
  • Flooring: Carpet,Tile

Heating & Cooling

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

Interior Area

  • Total structure area: 3,670
  • Total interior livable area: 2,831 sqft

Kitchen

  • Features: Breakfast Bar,Breakfast Area,Kitchen Island,Pantry
  • Level: Main
  • Dimensions: 18.00 x 17.00

Living Room

  • Features: Built-in Features
  • Level: Main
  • Dimensions: 16.00 x 15.00

Master Bedroom

  • Features: Built-in Features,Ceiling Fan(s),Sliding Glass Door(s),Walk-In Closet(s),Primary Suite
  • Level: Main
  • Dimensions: 15.00 x 13.00

Property

Details

  • Parcel number: 2300655
  • Zoning: CRR
  • Special condition: Standard,Listed As-Is

Features

  • Levels: One
  • Stories: 1
  • Pool features: Concrete,In Ground,Pool Equipment,Pool,Screen Enclosure
  • Exterior features: Sprinkler/Irrigation,Landscaping,Rain Gutters,Circular Driveway,Concrete Driveway

Lot

  • Lot size: 1.21 Acres
  • Features: Flat,Rectangular,Trees
  • Lot size dimensions: 153 x 331

Parking

  • Total spaces: 2
  • Parking features: Attached,Circular Driveway,Concrete,Driveway,Garage,Private,Garage Door Opener
  • 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
    HurricaneVery High
  • Lightning
    LightningVery High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Heat Wave
Inland Flooding
Strong Wind
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 $2,679$32,148
Home Insurance *$343$4,116
Property Taxes $708$8,496
Electricity $284$3,418
Total$4,014$48,168
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$137,622/yr
40% on housing$120,420/yr
45% on housing$107,040/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

$187This 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
2026-04-23Price change$529,900
2026-03-19Price change$539,000
2026-01-15Price change$559,900
2025-10-28Price change$585,000
2025-10-02Price change$594,900
2025-07-24Listed for sale$599,900
2017-02-24Sold$240,000
2012-03-30Sold$228,000
2012-01-20Price change$238,900
2011-10-11Price change$240,000
2011-09-29Price change$241,400
2011-09-07Price change$243,900
2011-06-23Price change$245,900
2011-06-18Price change$345,900
2011-04-06Price change$249,900
2011-03-17Price change$257,400
2011-01-21Price change$259,900
2010-11-02Price change$264,900
2010-09-17Price change$275,000
2010-08-18Price change$280,000
2010-07-17Price change$285,000
2010-06-18Price change$290,000
2010-03-27Listed for sale$300,000
2008-09-13Listing removed$342,000
2008-03-19Listed for sale$342,000
2007-12-15Listing removed$375,000

For Sale by Agent

AgentLynn Harris
BrokerageERA American Suncoast Realty

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