4556 E SHOREWOOD DRIVE, HERNANDO, FL, 34442
Active22 days on marketListed Jul 1, 2026MLS #OM724798
About this home
4556 E SHOREWOOD DRIVE
Welcome to your fully furnished waterfront opportunity in River Lakes Manor! This charming 3-bedroom, 1-bath home offers the perfect blend of comfort, flexibility, and income potential—ideal as a primary residence, seasonal getaway, or turnkey Airbnb investment. Inside, you’ll find a spacious layout featuring both a living room and family room, plus an additional flex space that can easily serve as an office, game room, or extra sleeping area. The dining area flows nicely for everyday living or entertaining guests. Step outside and enjoy true Florida living with a newly redone boat dock, providing direct access for boating, fishing, or simply relaxing on the water. The property also offers excellent storage and parking options with a 1-car detached garage and an 2-car carport—plenty of room for vehicles, toys, or guests. Situated on a generous lot with no HOA, this property gives you the freedom to use it as you choose. Whether you’re looking for a cozy home or a ready-to-go short-term rental, this one checks all the boxes. Don’t miss your chance to own a versatile property!
Facts & features
The home at a glance
3
Bedrooms
1
Bathrooms
1,472
Sqft
0.35 ac
Lot size
1
Garage
1972
Year built
One
Levels
$129
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.
$1,513 /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
$1,513/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.
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)
Median sold price, Hernando, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 31% below the HERNANDO 34442 median. See the full Hernando market guide →
Paper trail
This home's history
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 4556 E SHOREWOOD DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4556 E SHOREWOOD DRIVE — 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
4556 E SHOREWOOD DRIVE FAQs
What would the monthly payment be for 4556 E SHOREWOOD DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,513/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 4556 E SHOREWOOD DRIVE?+
The most recent tax bill on record (2025) was $1,799. 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 $190,000, this home is listed about 49% below the Hernando median of $372,500. The market section on this page shows how the area is trending.
Which schools are assigned to 4556 E SHOREWOOD DRIVE?+
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.
Listing courtesy of KELLER WILLIAMS REALTY - ELITE PARTNERS II · Tomika Spires-Hanssen. MLS #OM724798.
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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