5509 S Garcia Rd, Homosassa, FL, 34448
About This Home
UNLEASH YOUR WATERFRONT VISION!! A Rare Opportunity Near the Homosassa River! This is a truly exceptional chance to own a waterfront property just two lots away from the Homosassa River! The choice is yours: breathe new life into the existing home, or design and rebuild your custom dream residence from the ground up. Either path leads to an incredible outcome, given this prime location. Imagine your ideal waterfront lifestyle in an area renowned for its beautiful, often elevated, and high-value homes. You'll be just minutes away by car or boat from popular waterfront restaurants, making entertainment and dining a breeze. Adding to the appeal, short-term rentals are permitted here, offering fantastic income potential. Plus, there's no HOA, giving you complete freedom and flexibility. The possibilities at this remarkable location are truly limitless!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1972
Materials
- Foundation: Block,Slab
- Roof: Asphalt,Shingle
- Construction materials: Block,Concrete
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: None
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
Features
- Fireplace,Primary Suite
- Flooring: Unfinished
- Fireplace features: Wood Burning
- Fireplace: Yes
Heating & Cooling
- Heating features: None
- Cooling features: None
Interior Area
- Total structure area: 1,532
- Total interior livable area: 1,080 sqft
Property
Details
- Parcel number: 1143161
- Zoning: CLP,R1
- Special condition: Standard
Features
- Stories: 1
- Pool features: None
- Exterior features: Paved Driveway
- Has view: Yes
- View description: River
- Has water view: Yes
- Water view: River
- On waterfront: Yes
- Waterfront features: Canal Access,Waterfront
- Frontage type: Canal,Waterfront
- Frontage length: 85,85
Lot
- Lot size: 0.32 Acres
- Features: Flat,Trees
- Lot size dimensions: 85 x 165
Parking
- Total spaces: 1
- Parking features: Attached Carport,Driveway,Paved
- 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
- Hurricane
- Lightning
- 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 | $2,017 | $24,204 |
| Home Insurance * | $219 | $2,628 |
| Property Taxes | $692 | $8,304 |
| Electricity | $197 | $2,366 |
| Total | $3,125 | $37,500 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2025-11-25 | Price change | $425,000 |
| 2025-06-01 | Listed for sale | $450,000 |
View on Zillow