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10234 W Middlburg Loop #152, Homosassa, FL, 34448

2beds
2baths
1,036sqft
$364,900
$352price/sqft
$2,434/moest. monthly cost
$97,360/yrincome needed

About This Home

Pre-Construction. To be built. To Be Built. Permits Issued – 5-6 months for completion. Seize the opportunity to claim one of the final 4 stilt model villas in this exclusive waterfront community. With permits secured you can personalize your dream home in just 5-6 months. Boat spaces also available for purchase though you can park your boat & trailer right underneath with 1,249 sq. ft. of space under your villa! Nestled in the heart of Homosassa, this gated community embodies the essence of old Florida charm, promising a tranquil escape amidst festivals, fine dining, and endless water-centric activities. Picture yourself indulging in prime fishing expeditions or embarking on leisurely Gulf of Mexico cruises, all within reach from your private boat launch. Designed for both relaxation and recreation, TradeWinds Homosassa boasts a suite of amenities, including fishing piers, a community pool, and the convenience of secure boat storage beneath your villa. Plus, for those seeking additional income streams, you can rent your villa for any length, offering flexibility and financial potential. Step inside your Mediterranean-inspired abode. This 2-bedroom, 1.5-bath villa exudes elegance with its granite countertops, tile roof, and marble windowsills. Revel in the open-concept living space, adorned with beautiful finishes like luxury vinyl plank flooring and a full Kenmore appliance package. You have peace of mind and comfort with the high elevation well above the 100-year flood plain. Energy efficiency has been incorporated with a high recovery water heater, air to air heat pump, and double-pane insulated windows, ensuring year-round comfort and cost savings. With ample parking and storage space, as well as the option to rent boat slips, this community caters to every aspect of your waterfront lifestyle. Whether you seek adventure on the open waters or a peaceful retreat by the shore, TradeWinds Homosassa Marina Resort offers the perfect blend of luxury living and coastal convenience. Don't miss your chance to experience the best of both worlds—reserve your villa today and embrace the ultimate Florida lifestyle.

Getting Around

17
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

6/10
3/10
4/10
Crystal River High SchoolGrades PK,9-128.1 mi

Construction

Condition

  • Property condition: Pre-Construction
  • New construction: Yes
  • Year built: 2025

Materials

  • Foundation: Raised
  • Roof: Tile
  • Construction materials: Stucco,Wood Frame

Other

  • Builder model: Tarpon on Stilts
  • Builder name: Licciardello

Type & Style

  • Home type: SingleFamily
  • Property subType: Villa

Interior

Appliances

  • Appliances included: Dishwasher,Range,Refrigerator
  • Laundry features: Laundry Closet

Bedroom2

  • Features: Built-in Closet
  • Level: First
  • Area: 116.6
  • Dimensions: 11x10.6

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Dining Room

  • Level: First
  • Area: 156
  • Dimensions: 13x12

Features

  • Cathedral Ceiling(s),Eating Space In Kitchen,Open Floorplan,Solid Wood Cabinets,Stone Counters,Thermostat,Walk-In Closet(s)
  • Window features: Double Pane Windows
  • Flooring: Carpet,Vinyl

Great Room

  • Level: First
  • Area: 240.9
  • Dimensions: 16.5x14.6

Heating & Cooling

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

Interior Area

  • Total structure area: 2,498
  • Total interior livable area: 1,036 sqft

Kitchen

  • Level: First
  • Area: 96
  • Dimensions: 8x12

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First
  • Area: 175.2
  • Dimensions: 12x14.6

Property

Details

  • Parcel number: 3387556
  • Zoning: CL
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Irrigation System
  • On waterfront: Yes
  • Waterfront features: Waterfront,Brackish Canal Access,Saltwater Canal Access,Gulf/Ocean Access,River Access,Boat Ramp - Private,Fishing Pier
  • Waterbody name: HOMOSASSA RIVER

Lot

  • Lot size: 1,245 sqft
  • Features: FloodZone

Parking

  • Total spaces: 4
  • Parking features: Driveway
  • Covered spaces: 4
  • Has uncovered spaces: Yes
  • Carport: Yes
  • Carport spaces: 4

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
    Coastal FloodingVery High
  • Hurricane
    HurricaneVery High
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Lightning
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 $1,845$22,140
Home Insurance *$201$2,412
Property Taxes $191$2,292
Electricity $197$2,366
Total$2,434$29,208
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$83,451/yr
40% on housing$73,020/yr
45% on housing$64,906/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

$352This listing

vs Other Active Listings

Avg $/sqft

ZIP 34448$167
Citrus County$155

vs Homes Sold Last Month

Median $/sqft

ZIP 34448$212
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)

No zestimate history available

Price History

DateEventPrice
2025-12-06Listed for sale$364,900
2025-11-19Listing removed$364,900
2025-06-07Listed for sale$364,900

New Construction

AgentRuth Squires
BrokerageEXP REALTY LLC

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