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6946 E Channel Dr, Hernando, FL, 34442

1beds
1baths
540sqft
$109,000
$202price/sqft
$980/moest. monthly cost
$39,200/yrincome needed

About This Home

Charming and full of character, this recently updated/remodeled 1-bedroom, 1-bath mobile home offers 540 square feet of efficient living on a picturesque .49-acre canal-front lot with access to the Withlacoochee River. With its warm, rustic cabin feel, this home captures the essence of Old Florida living. Tucked away off the beaten path and surrounded by nature, this peaceful retreat offers both privacy and charm. Head east by boat along the canal and you’ll find yourself on the Withlacoochee River, opening the door to endless outdoor adventure. Whether you're searching for a weekend getaway or a low-maintenance full-time residence, this property delivers. Inside, you’ll find a comfortable kitchen with eye-catching red appliances, a full bath featuring a walk-in shower, and new wood-look flooring throughout. Recent improvements include a new electrical panel (2023), electric tankless water heater (2023), and 14 SEER mini-split system with both heating and cooling (2023). Step outside to a wraparound porch—perfect for relaxing and soaking in the quiet, natural surroundings. The fully fenced property with post and wire offers added privacy and flexibility, and also features an RV hookup, multiple storage sheds, ample parking, and a private boat ramp for easy access to the water. A rare opportunity to own your own slice of waterfront paradise at an exceptional value.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1984

Materials

  • Roof: Metal
  • Construction materials: Manufactured

Type & Style

  • Home type: MobileManufactured
  • Architectural style: Mobile Home
  • Property subType: Manufactured Home,Single Family Residence

Interior

Appliances

  • Appliances included: Electric Oven,Electric Range,Refrigerator,Water Heater

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Eat-in Kitchen,Shower Only,Separate Shower,Wood Cabinets
  • Flooring: Luxury Vinyl Plank,Tile

Heating & Cooling

  • Heating features: Wall Furnace
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total structure area: 540
  • Total interior livable area: 540 sqft

Property

Details

  • Parcel number: 1708648
  • Zoning: CLR
  • Special condition: Standard,Listed As-Is

Features

  • Pool features: None
  • Patio & porch: Balcony
  • Exterior features: Balcony
  • Fencing: Wood,Wire
  • On waterfront: Yes
  • Waterfront features: Boat Ramp/Lift Access,River Access,Canal Access,Waterfront
  • Frontage type: Canal,Waterfront
  • Frontage length: 68,68

Lot

  • Lot size: 0.49 Acres
  • Features: Irregular Lot

Parking

  • Parking features: Unpaved

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
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Inland Flooding
Strong Wind
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 $551$6,612
Home Insurance *$70$840
Property Taxes $162$1,944
Electricity $197$2,366
Total$980$11,760
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$33,600/yr
40% on housing$29,400/yr
45% on housing$26,133/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

$202This listing

vs Other Active Listings

Avg $/sqft

ZIP 34442$201
Citrus County$156

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
2026-04-15Listed for sale$109,000
2022-10-14Sold$43,500
2022-09-07Pending sale$43,500
2022-09-04Listed for sale$43,500

For Sale by Agent

AgentTamara Mayer
BrokerageEpique Realty Inc

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