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1125 Fernwood Dr, Holiday, FL, 34690

3beds
2baths
1,900sqft
$474,900
$250price/sqft
$3,462/moest. monthly cost
$138,480/yrincome needed

About This Home

Waterfront Living at its Finest – Nestled in a luxury, family-friendly neighborhood in Holiday, Florida. This stunning 3-bedroom, 2-bath waterfront home with nearly 1,900 sq ft. It offers the perfect blend of comfort, style, and a ultimate Florida boating lifestyle. This property is a true fisherman’s paradise with direct access to the Anclote River and just a short boat ride to the famous Tarpon Springs Sponge Docks then out to the Gulf of Mexico. A Home Designed for Comfort & Style. Step inside to an open-concept floor plan with seamless tile flooring throughout. This creates a clean and modern flow perfect for entertaining with everyday living. The custom kitchen is a true centerpiece, featuring: Striking waterfall marble countertops, black stainless steel appliances, generous prep including entertaining space and clear sightlines to the living and outdoor areas. The spacious primary suite is your private retreat, highlighted by a luxury wet steam room (5' x 9.5') large enough to accommodate multiple people-bringing spa-level relaxation right into your home. Additional upgrades include: Instant hot water heater – never run out of hot water, solar panels for energy savings, freshly painted, custom entry doors, newer roof, HVAC system, and windows. Outdoor Living Built for the Florida Lifestyle. This home truly shines outdoors. Relax or entertain from the screened-in patio overlooking the water, or take advantage of the huge covered patio with plenty of space for outdoor toys and gear. The beautifully maintained property also includes: New St. Augustine grass installed last year with irrigation system with its own well and on it's completely fenced side yard and backyard. Doggie door for convenient pet access, stamped cobblestone concrete driveway, super gutters installed around the entire home, two-car garage with professional epoxy flooring and warranty. Boater & Angler’s Dream! Situated at the end of the Anclote River, the property offers brackish waterfront known for abundant redfish and snook—often caught right off the dock. Your private waterfront setup includes: 10,000-lb boat lift, large oversized dock for entertaining, floating docks for kayaks, paddleboards, and water toys. double floating wave-runner dock available and recapped and stamped seawall. From your dock, enjoy a short scenic boat ride to the sponge docks, waterfront restaurants, and open Gulf waters. FYI this property has never flooded. Location Perks: You’re just minutes from: Gulf beaches, waterfront dining, boating and fishing hotspots, parks and local amenities. All while enjoying the tranquility of a quiet waterfront neighborhood perfect for families or those seeking the ultimate coastal lifestyle. Whether you’re a boater, fisherman, entertainer, or simply looking for the perfect waterfront retreat, this property delivers the Florida lifestyle at its absolute best.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

1/10
Sunray Elementary SchoolGrades PK-52.0 mi
3/10
3/10
Anclote High SchoolGrades 9-123.4 mi

Construction

Condition

  • Year built: 1976

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Block,Stucco

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Electric Water Heater,Ice Maker,Microwave,Other,Refrigerator,Tankless Water Heater,Washer,Water Softener
  • Laundry features: Electric Dryer Hookup,Inside,Laundry Room

Bathroom2

  • Level: First
  • Area: 85
  • Dimensions: 17x5

Bedroom2

  • Features: Built-in Closet
  • Level: First
  • Area: 187
  • Dimensions: 17x11

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dinette

  • Level: First
  • Area: 80
  • Dimensions: 10x8

Family Room

  • Level: First
  • Area: 525
  • Dimensions: 25x21

Features

  • Ceiling Fan(s),Crown Molding,Open Floorplan,Other,Primary Bedroom Main Floor,Sauna,Walk-In Closet(s)
  • Window features: Blinds
  • Flooring: Ceramic Tile

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,242
  • Total interior livable area: 1,900 sqft

Kitchen

  • Level: First
  • Area: 150
  • Dimensions: 15x10

Living Room

  • Level: First
  • Area: 273
  • Dimensions: 13x21

Primary Bathroom

  • Level: First
  • Area: 108
  • Dimensions: 9x12

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First
  • Area: 180
  • Dimensions: 12x15

Property

Details

  • Parcel number: 162632062.D000.01219.0
  • Zoning: R4
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Front Porch,Other,Patio,Screened
  • Exterior features: Irrigation System,Rain Gutters,Sauna
  • Has view: Yes
  • View description: Water,River
  • Has water view: Yes
  • Water view: Water,River
  • On waterfront: Yes
  • Waterfront features: Brackish Water,Gulf/Ocean,River Front,Brackish Water Access,Gulf/Ocean Access,River Access,Davits,Lift,Lift - Covered,Seawall,Skiing Allowed
  • Waterbody name: ANCLOTE RIVER

Lot

  • Lot size: 8,933 sqft
  • Features: Flood Insurance Required,Landscaped,Sidewalk

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 FloodingRelatively High
  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Lightning
Tornado
Inland Flooding
Tsunami

FEMA Declared Disasters in Pasco 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 $2,401$28,812
Home Insurance *$342$4,104
Property Taxes $522$6,264
Electricity $197$2,366
Total$3,462$41,544
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$118,697/yr
40% on housing$103,860/yr
45% on housing$92,320/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: 15.8%
15.8%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 5.5%
5.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$250This listing

vs Other Active Listings

Avg $/sqft

ZIP 34690$118
Pasco County$153

vs Homes Sold Last Month

Median $/sqft

ZIP 34690$188
Pasco County$204

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
2026-03-12Listed for sale$499,900
2016-12-16Sold$60,000
2001-10-05Sold$125,000

For Sale by Agent

AgentShawn Miller
BrokeragePREMIER REALTY

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