4541 N WINCHESTER TERRACE, HERNANDO, FL, 34442
Active118 days on marketListed Mar 28, 2026MLS #TB8491629
About this home
4541 N WINCHESTER TERRACE
Tucked away in the quiet surroundings of Hernando, this inviting 4-bedroom, 2-bath home with a flexible bonus space for a 5th bedroom or home office offers the kind of charm and versatility that’s hard to find. With over 1,600 square feet of living space, the home welcomes you in with a layout that feels both comfortable and full of possibility, ready to adapt to your lifestyle. From the moment you arrive, you’ll notice the character and functionality this property brings—featuring a metal roof, pier foundation, and thoughtful accessibility features including a ramp and accessible shower. Inside, hardwood flooring adds warmth throughout, while the spacious floor plan provides room to spread out, gather, or create dedicated spaces for work, hobbies, or guests. Step outside and you’ll find even more to love—a detached shop with a lean-to, perfect for storing tools, working on projects, or simply enjoying extra space that gives this property an edge over the rest. Whether you need room for equipment, creative pursuits, or everyday convenience, it’s already here waiting for you. Positioned in a Flood Zone X, this home offers added peace of mind with its low flood risk designation. The MDR zoning allows for residential flexibility, making this property a smart choice for a variety of buyers. Conveniently located just minutes from major roadways like US-41 and FL-200, you’re never far from shopping, dining, and everything Citrus County has to offer—yet still tucked into a setting that feels relaxed and private. If you’ve been searching for a property with space, character, and the freedom to truly make it your own, this is one you won’t want to miss. Schedule your showing today and come see the potential for yourself. Metal ROOF Newer Well Pump Solar 2026 On Well and Septic Wood Frame Home Year Built 1968
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,536
Sqft
0.23 ac
Lot size
1968
Year built
One
Levels
$133
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 — not generic estimates.
$1,517 /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
$1,517/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
−7.4%
$/sqft vs Hernando actives
$133 vs $197
Days on market
118 vs 37 typical
Where $133/sqft sits among the 100 Hernando actives
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)
53 of 100
Hernando actives have cut their price
Median sold price, Hernando, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 25% below the HERNANDO 34442 median. See the full Hernando market guide →
Paper trail
This home's history
Reality check
What actually sold near 4541 N WINCHESTER TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$44,400
3249 E BUFFALO LANE · same community
2 bd · 1 ba · 832 sqft · $53/sqft · 2 DOM
Sold · Aug ’25$113,900
3277 E LARIAT LOOP · same community
2 bd · 2 ba · 784 sqft · $145/sqft · 3 DOM
Sold · Aug ’25$380,000
2105 E DEARBORN DRIVE
4 bd · 2 ba · 1,522 sqft · $250/sqft · 9 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4541 N WINCHESTER TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4541 N WINCHESTER TERRACE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
4541 N WINCHESTER TERRACE FAQs
What would the monthly payment be for 4541 N WINCHESTER TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,517/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 4541 N WINCHESTER TERRACE?+
The most recent tax bill on record (2025) was $719. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Hernando?+
At $205,000, this home is listed about 45% below the Hernando median of $372,500. The market section on this page shows how the area is trending.
Which schools are assigned to 4541 N WINCHESTER TERRACE?+
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
Three things that matter here
01Under the HERNANDO 34442 market on paper
$205,000 is 25% below the HERNANDO 34442 median of $273,000, and at $133/sqft it sits under the Hernando average of $207.
02Time on market is leverage
118 days on market against a Hernando median of 37 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $210,000, now $205,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PEOPLE'S TRUST REALTY · Lucy Derosa. MLS #TB8491629.
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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