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4463 N Lake Vista Trl, Hernando, FL, 34442

2beds
2baths
1,770sqft
$268,500
$152price/sqft
$1,977/moest. monthly cost
$79,080/yrincome needed

About This Home

ALL OFFERS CONSIDERED!! Come to Arbor Lakes - a beautiful, well-maintained waterfront 55+ community on Lake Tsala Apopka. The "Heather" villa model is a 2 bedroom, 2 bathroom home with a den/office (or could be used together as a 3rd bedroom). The primary bedroom has a large walk-in closet and double sliding glass doors which lead to the screened lanai and paver patio. The second bedroom is also good size. The spacious great room/dining area overlooks the huge backyard and has a vaulted ceiling. The kitchen is adjacent to the dining area and has a counter top bar big enough for a couple stools. All appliances including the washer and dryer will remain in the home as well as all window treatments. The separate laundry room is located inside between the kitchen and two-car garage. The garage has an attic for additional storage if needed. The primary and secondary bathrooms have both been upgraded. In addition, the HVAC system was replaced in 2020 and the roof in 2017. The home was built on a 1/4 acre pie-shaped lot which is fenced and has plenty of space for entertaining - or building a new swimming pool. HOA dues are $262/month which covers home lawn mowing and pest control and exterior house painting. in addition, the monthly fee covers Spectrum cable tv and internet as well as weekly trash pick up, and common grounds maintenance. An adjacent storage lot is available for boat/camper parking or personal storage building for approximately $500 annually. Arbor Lakes is a great community with many amenities. Bring your boat and/or kayak for fun on the lake which you can access from the private boat ramp. There is a separate fishing pier for your enjoyment. The park along the lake is beautiful for walking or sitting under a huge oak tree. Enjoy the community pool and clubhouse where many activities occur. Enjoy shuffleboard and bringyour paddle for pickleball - on the new courts! Restaurants, shopping and medical facilities are within close distance. Tampa International Airport is about an hour away on the Suncoast Expressway - and Ocala/Gainesville are a short drive northeast.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

3/10
6/10
4/10
Citrus High SchoolGrades 9-127.0 mi

Construction

Condition

  • Year built: 2004

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Oven,Electric Range,Microwave,Refrigerator,Water Heater,Washer

Bathroom

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

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

Den

  • Level: Main

Dining Room

  • Level: Main

Features

  • Flooring: Carpet,Laminate,Tile

Great Room

  • Level: Main

Heating & Cooling

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

Interior Area

  • Total structure area: 2,532
  • Total interior livable area: 1,770 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Master Bathroom

  • Level: Main

Master Bedroom

  • Features: Primary Suite
  • Level: Main

Patio

  • Level: Main

Porch

  • Level: Main

Screened Porch

  • Level: Main

Property

Details

  • Parcel number: 3258896
  • Zoning: PDR
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None,Community
  • Exterior features: Concrete Driveway,Room For Pool
  • Waterfront features: Lake Front,Water Access
  • Frontage type: Lakefront,Waterfront

Lot

  • Lot size: 0.26 Acres
  • Features: Irregular Lot,Sloped

Parking

  • Total spaces: 2
  • Parking features: Attached,Concrete,Driveway,Garage
  • 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
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

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 $1,357$16,284
Home Insurance *$173$2,076
Property Taxes $250$3,000
Electricity $197$2,366
Total$1,977$23,724
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$67,782/yr
40% on housing$59,310/yr
45% on housing$52,720/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

$152This listing

vs Other Active Listings

Avg $/sqft

ZIP 34442$199
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
2026-08-08Price change$263,500
2026-07-13Price change$268,500
2026-06-24Price change$273,590
2026-06-15Listed for sale$284,990
2011-08-16Sold$119,900
2011-06-09Listed for sale$119,900
2005-03-03Sold$177,000

For Sale by Agent

AgentChristine Smith
BrokerageERA American Suncoast Realty

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