Natasha Boges
$440,000$465,9005 bd2 ba2,460 sqft$179 /sqft$3,041 /mo all-in ↓

650 E WACKER STREET, HERNANDO, FL, 34442

Active136 days on marketListed Mar 6, 2026MLS #OM720125

Reduced $26KSingle Family ResidenceFOREST LAKE NORTH

About this home

650 E WACKER STREET

Discover the perfect blend of space, flexibility, and opportunity with this 5 bedroom, 2 bathroom home offering 2,460 sq. ft. of living space on 1.25 acres, complete with a private attached mother in law suite with its own entrance, making it ideal for multi generational living, extended guests, or potential rental income. Inside the main home, you are welcomed by a living room that flows seamlessly into the kitchen, creating a comfortable layout for everyday living. The kitchen offers ample cabinet/counter space, pantry, granite countertops, and newer stainless steel appliances. Just off the kitchen is a large Florida room filled with natural light, a versatile space that could be used as a second living area, game room or relaxing sunroom. Down the hallway you will find three guest bedrooms with a full bathroom conveniently located nearby, which also includes the washer and dryer area for added convenience. On the opposite side of the home is the attached mother in law or guest suite, complete with its own private entrance. This space features a living room, full kitchen, two bedrooms and a Jack & Jill bathroom, offering privacy for extended family, visitors, or long term guests. Outside there is a storage shed along with an impressive detached 3 car concrete block garage that provides endless possibilities. The garage features a 200 amp panel with its own electric service and includes a separate section that could easily be converted into a paint booth, making it an excellent setup for a workshop, hobby space, or car enthusiast. Conveniently located near the Suncoast Parkway, this property offers easy access to shopping, schools, restaurants, and everyday conveniences, while also being close to the gulf for all your boating, and outdoor recreation. With plenty of living space, flexible layout options, and room to spread out both inside and outside, this property offers a rare opportunity to create the lifestyle you’ve been looking for!

Facts & features

The home at a glance

5

Bedrooms

2

Bathrooms

2,460

Sqft

1.25 ac

Lot size

3

Garage

1981

Year built

One

Levels

$179

Per sqft

Pets allowed

Inside

FlooringCarpet · Linoleum · Tile
AppliancesCooktop · Dishwasher · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Eating Space In Kitchen · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Thermostat · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesNorth
ExteriorFrench Doors · Private Entrance · RV Hookup · Storage

Community & fees

Taxes (2025)$1,155/yr
PetsCats OK, Dogs OK, Yes

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Water Connected
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,041 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,590
FHA mortgage insurance (est.)$195
Property tax — 2025 actual bill$96
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $15,400Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $15,400
Interest rate6.00%
Loan term

Estimated payment

$3,041/mo

Principal & interest$2,590
FHA mortgage insurance (est.)$195
Property taxes (actual bill)$96
Est. insurance$160

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.

$/sqft vs Hernando actives

$179 vs $197

Days on market

136 vs 37 typical

Where $179/sqft sits among the 99 Hernando actives

17
18 · this home
26
16
9
13
$118–149$149–180$180–212$212–243$243–274$274+

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

Map of 650 E WACKER STREET

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

ElementaryForest Ridge Elementary School★★★★★
MiddleLecanto Middle School★★★★★
HighLecanto High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Hernando market

Seller’s marketBalanced5.3 months of inventoryBuyer’s market

$330K$303K

Hernando median sold, yr/yr

95.1%

Sale-to-list ratio (12 mo)

50 of 99

Hernando actives have cut their price

Median sold price, Hernando, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 59% above the HERNANDO 34442 median. See the full Hernando market guide →

Paper trail

This home's history

CurrentPrice reduced to $440,000 $26K
Mar 6, 2026Listed at $465,900 · 136 days on market since
1981Built · FOREST LAKE NORTH

Reality check

What actually sold near 650 E WACKER STREET

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

5604 N PARK RIDGE WAYSold · Nov ’25

$297,000

5604 N PARK RIDGE WAY · same community

5 bd · 2 ba · 2,430 sqft · $122/sqft · 18 DOM

1184 E SANDY LANESold · Mar ’26

$250,000

1184 E SANDY LANE · same community

4 bd · 2 ba · 1,904 sqft · $131/sqft · 68 DOM

5272 N WESTERN DRIVESold · Aug ’25

$290,000

5272 N WESTERN DRIVE · same community

3 bd · 2 ba · 1,800 sqft · $161/sqft · 42 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.

Natasha Boges

Your agent

Natasha Boges

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 650 E WACKER STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 650 E WACKER STREET — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Natasha's phone and CRM.

Goes straight to Natasha’s phone and CRM.

Straight answers

650 E WACKER STREET FAQs

What would the monthly payment be for 650 E WACKER STREET?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,041/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 650 E WACKER STREET?+

The most recent tax bill on record (2025) was $1,155. 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 650 E WACKER 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 Hernando?+

At $440,000, this home is listed about 18% above the Hernando median of $372,500. The market section on this page shows how the area is trending.

Which schools are assigned to 650 E WACKER STREET?+

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

01Positioned at the premium end

$440,000 runs 59% above the HERNANDO 34442 median — but at 2,460 sqft it's also 35% larger than the typical Hernando listing.

02Time on market is leverage

136 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 $465,900, now $440,000 — a $26K cut. The full history is in the market section below.

Listing courtesy of KELLER WILLIAMS CORNERSTONE RE · Alexus Macblain. MLS #OM720125.

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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