3108 N WHEATON POINT, HERNANDO, FL, 34442
Active214 days on marketListed Dec 17, 2025MLS #OM715241
About this home
3108 N WHEATON POINT
* 4 Bedroom, 3 bath, 2 car garage Hernando Waterfront Home * Waterfront with Dock on just over and acre. * Beautiful home with a great floor plan * 2nd and 3rd bedrooms both have access to 2nd and 3rd baths * Carpet in the bedrooms * Formal Dining and Eat in kitchen area * Kitchen had granite and stainless steal appliances * Great Room with fireplace * 2nd bedroom has queen bed * 3rd bedroom has 2 sets of twin bunk beds * 4th bedroom has day bed * Bonus Room/den/spare bedroom * Master Suite has walk in closet Office Area * Master bath has separate tub and shower, private water closet and two vanities * Screened in Porch * Deck * Small fenced in area * Gorgeous view of the lake * Cozy and spacious, a must see! * $3500 a month includes all utilities, internet, lawn and garbage *
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,476
Sqft
1.12 ac
Lot size
2
Garage
2013
Year built
One
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$185 /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
$185/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs Hernando actives
$1 vs $197
Days on market
214 vs 37 typical
Where $1/sqft sits among the 102 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)
51 of 102
Hernando actives have cut their price
Median sold price, Hernando, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the HERNANDO 34442 median. See the full Hernando market guide →
Paper trail
This home's history
Reality check
What actually sold near 3108 N WHEATON POINT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$127,000
2931 N WHEATON POINT · same community
1 bd · 1 ba · 1,016 sqft · $125/sqft · 149 DOM
Sold · Sep ’25$575,000
3175 N WHEATON POINT
4 bd · 2.5 ba · 2,510 sqft · $229/sqft · 135 DOM
Sold · Jun ’26$202,000
3908 N RANCH PASS TERRACE
3 bd · 2 ba · 2,080 sqft · $97/sqft · 62 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 3108 N WHEATON POINT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3108 N WHEATON POINT — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3108 N WHEATON POINT FAQs
What would the monthly payment be for 3108 N WHEATON POINT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $185/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 3108 N WHEATON POINT?+
The listing reports pets: No. 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 $3,500, this home is listed about 99% below the Hernando median of $372,500. The market section on this page shows how the area is trending.
Which schools are assigned to 3108 N WHEATON POINT?+
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
01Under the HERNANDO 34442 market on paper
$3,500 is 99% below the HERNANDO 34442 median of $279,500, and at $1/sqft it sits under the Hernando average of $207.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
214 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 $3,800, now $3,500 — a $300 cut. The full history is in the market section below.
Listing courtesy of COLDWELL BANKER INVESTORS REAL · Jen Tessmer. MLS #OM715241.
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.
Never miss a listing
New Hernando homes, in your inbox
Like 3108 N WHEATON POINT but not quite? A daily digest of every new listing in Hernando — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask John to ping you on any price or status change →