4054 INDIAN RIVER STREET, SPRING HILL, FL, 34609
Active40 days on marketListed Jun 24, 2026MLS #W7887004
About this home
4054 INDIAN RIVER STREET
Seller is offering $5,000 Buyer Credit! This beautiful and well maintained 4-bedroom, 3-bath home located on a desirable corner lot within a gated community offers the space, comfort, and peace of mind today's buyers are looking for. From the moment you step inside, you'll appreciate the bright, freshly painted interior and expansive open floor plan designed for both everyday living and effortless entertaining. Soaring vaulted ceilings create an airy sense of space, while wood cabinetry and stone countertops add warmth and timeless appeal throughout the home's 2,493 square feet of living space. The thoughtfully designed layout offers room for everyone, with spacious bedrooms, walk-in closets, and inviting gathering areas that naturally connect indoor and outdoor living. The kitchen is ready for its next chef, featuring newer appliances—all included—making your move-in experience even easier. Outside, your private backyard retreat takes center stage. The heated saltwater pool and spa provide the perfect setting for weekend get-togethers, family celebrations, or quiet evenings under the stars. Major pool equipment upgrades include a variable-speed pump installed in 2021, a pool heater, and a salt generator replaced in 2025, helping ensure years of efficient, low-maintenance enjoyment. Beyond the beautiful finishes, you'll enjoy the confidence that comes with significant recent improvements, including a newer roof(2022) with self sealing membrane for added protection, HVAC replaced in 2025 and a newer water heater(2022). Updated landscaping enhances the home's curb appeal and creates a welcoming first impression from the moment you arrive. The oversized 2-car garage, sidewalks, and community amenities—including an optional low cost cable and internet bundle, clubhouse, community pool, tennis courts, park, gated entry, and security—add even more value to an already exceptional property. This is more than a house—it's an opportunity to embrace the Florida lifestyle you've been dreaming about, with the upgrades already completed and the resort-style backyard waiting for you to enjoy. Schedule your private showing and experience everything this exceptional home has to offer.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,493
Sqft
0.34 ac
Lot size
2
Garage
2004
Year built
One
Levels
$210
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.
$3,994 /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
$3,994/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
+11.9%
$/sqft vs PRISTINE PLACE PH 1
$210 vs $182
Days on market
40 vs 29 typical
Where $210/sqft sits among the 6 homes for sale in PRISTINE PLACE PH 1
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 Spring Hill
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Spring Hill. See the full Spring Hill guide →
SPRING HILL 34609 — neighborhood snapshot
Population
46,066
Median age
44.8
Median income
$79,284
Median home value
$275,900
Avg household
2.7
Households w/ children
5,105
For the school run
Hernando County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Spring Hill market
$320K → $314K
Spring Hill median sold, yr/yr
97.9%
Sale-to-list ratio (12 mo)
3 of 6
PRISTINE PLACE PH 1 have cut their price
Median sold price, Spring Hill, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 54% above the SPRING HILL 34609 median. See the full Spring Hill market guide →
Paper trail
This home's history
Reality check
What actually sold near 4054 INDIAN RIVER STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$470,000
4037 BRECKLAND COURT · same community
3 bd · 3 ba · 2,330 sqft · $202/sqft · 4 DOM
Sold · Jul ’26$420,000
14228 PRESTEIGN LANE · same community
3 bd · 2 ba · 2,196 sqft · $191/sqft · 1 DOM
Sold · Jan ’26$360,000
14181 CORNEWALL LANE · same community
3 bd · 3 ba · 2,146 sqft · $168/sqft · 113 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 4054 INDIAN RIVER STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4054 INDIAN RIVER STREET — 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
4054 INDIAN RIVER STREET FAQs
What would the monthly payment be for 4054 INDIAN RIVER STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,994/mo — principal and interest, the actual property-tax bill, the $83/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 4054 INDIAN RIVER STREET?+
The association fee works out to $83 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4054 INDIAN RIVER STREET?+
The most recent tax bill on record (2025) was $5,212. 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 4054 INDIAN RIVER STREET?+
The listing reports pets: Cats OK, Dogs OK, 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 Spring Hill?+
At $524,000, this home is listed about 52% above the Spring Hill median of $345,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4054 INDIAN RIVER STREET?+
Powell Middle School (middle), Central High School (high), Pine Grove Elementary School (elementary) — Hernando County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$524,000 runs 54% above the SPRING HILL 34609 median — but at 2,493 sqft it's also 37% larger than the typical Spring Hill listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03The price has already moved
Listed at $550,000, now $524,000 — a $26K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SANDPEAK REALTY · Linda Beach. MLS #W7887004.
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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