826 E GAINES LANE, HERNANDO, FL, 34442
Pending105 days on marketListed Apr 6, 2026MLS #OM721018
About this home
826 E GAINES LANE
EXCEPTIONAL OPPORTUNITY to live in the beautiful, deed-restricted community of CITRUS HILLS with a $10,000 CONCESSION towards BUYER'S CLOSING COSTS! Situated on a nearly one-acre corner parcel shaded by gorgeous mature trees, this 3-bedroom, 2-bath home with 1770 living area offers privacy, space, and a lifestyle filled with amenities. The interior presents a desirable split-floor plan with an open living and dining room combination highlighted by a cozy wood-burning fireplace. The spacious primary suite includes a full bathroom and walk-in closet, guest bathroom, two spacious guest rooms, an interior laundry room complete with washer and dryer, and an eat-in kitchen with tile countertops & updated appliances. The exterior features a 2-car garage, an inground caged pool, covered lanai perfect for outdoor entertaining, and a convenient storage shed. Recent updates provide peace of mind, including a new A/C and water heater in 2024, updated Pentair pool equipment, updated appliances and updated roof in 2011. As part of the mandatory Citrus Hills Social Membership, residents enjoy access to a wide range of resort-style amenities including a community pool, dog park, lighted tennis courts, spa, racquetball, pickleball, fitness center, restaurants, scenic walking trails, and more. This property combines space, comfort, and an amenity-rich lifestyle—an excellent opportunity to enjoy everything Citrus Hills has to offer on a modest budget.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,770
Sqft
0.97 ac
Lot size
2
Garage
1989
Year built
One
Levels
$198
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,882 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,882/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−3.5%
$/sqft vs CITRUS HILLS 1ST ADD
$198 vs $213
Days on market
105 vs 37 typical
Where $198/sqft sits among the 24 homes for sale in CITRUS HILLS 1ST ADD
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Hernando
Get to know Hernando. See the full Hernando guide →
HERNANDO 34442 — neighborhood snapshot
Population
16,356
Median age
65.7
Median income
$55,473
Median home value
$295,900
Avg household
2.03
Households w/ children
868
For the school run
Citrus County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Hernando market
$330K → $303K
Hernando median sold, yr/yr
95.1%
Sale-to-list ratio (12 mo)
15 of 24
CITRUS HILLS 1ST ADD have cut their price
Median sold price, Hernando, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 26% above the HERNANDO 34442 median. See the full Hernando market guide →
Paper trail
This home's history
Reality check
What actually sold near 826 E GAINES LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$480,000
1952 N ESSEX AVENUE · same community
3 bd · 2 ba · 1,771 sqft · $271/sqft · 269 DOM
Sold · Jan ’26$320,000
1448 W STAFFORD STREET · same community
3 bd · 2.5 ba · 1,778 sqft · $180/sqft · 46 DOM
Sold · Apr ’26$380,000
711 W WHEELING LANE · same community
3 bd · 2 ba · 1,720 sqft · $221/sqft · 226 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Derek Perez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 826 E GAINES LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 826 E GAINES LANE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Derek's phone and CRM.
Straight answers
826 E GAINES LANE FAQs
What would the monthly payment be for 826 E GAINES LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,882/mo — principal and interest, the actual property-tax bill, the $205/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 826 E GAINES LANE?+
The association fee works out to $205 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 826 E GAINES LANE?+
The most recent tax bill on record (2025) was $3,620. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 826 E GAINES LANE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Hernando?+
At $350,000, this home is listed about 6% below the Hernando median of $372,500. The market section on this page shows how the area is trending.
Which schools are assigned to 826 E GAINES LANE?+
Forest Ridge Elementary School (elementary), Lecanto Middle School (middle), Lecanto High School (high) — Citrus County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$350,000 runs 26% above the HERNANDO 34442 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
105 days on market against a Hernando median of 37 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $365,000, now $350,000 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY - ELITE PARTNERS II · Tomika Spires-Hanssen. MLS #OM721018.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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