$350,000
826 Gaines Lane
Hernando, FL 34442
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
EXCEPTIONAL OPPORTUNITY to live in the beautiful, deed-restricted community of CITRUS HILLS with a $10,000 CONCESSION towards BUYER'S CLOSING COSTS! Situated on a nearly one-acre corner parcel shaded by gorgeous mature trees, this 3-bedroom, 2-bath home with 1770 living area offers privacy, space, and a lifestyle filled with amenities. The interior presents a desirable split-floor plan with an open living and dining room combination highlighted by a cozy wood-burning fireplace. The spacious primary suite includes a full bathroom and walk-in closet, guest bathroom, two spacious guest rooms, an interior laundry room complete with washer and dryer, and an eat-in kitchen with tile countertops & updated appliances. The exterior features a 2-car garage, an inground caged pool, covered lanai perfect for outdoor entertaining, and a convenient storage shed. Recent updates provide peace of mind, including a new A/C and water heater in 2024, updated Pentair pool equipment, updated appliances and updated roof in 2011. As part of the mandatory Citrus Hills Social Membership, residents enjoy access to a wide range of resort-style amenities including a community pool, dog park, lighted tennis courts, spa, racquetball, pickleball, fitness center, restaurants, scenic walking trails, and more. This property combines space, comfort, and an amenity-rich lifestyle—an excellent opportunity to enjoy everything Citrus Hills has to offer on a modest budget.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history22 days on market
- Status: ActiveApr 6, 2026
- Listed$365,000Apr 6, 2026
- Price reduced$350,000
Virtual Tour
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 22
- Subdivision
- Citrus Hills 1st Add
- County
- Citrus
- Year built
- 1989
- Living area
- 1,770 sq ft
- Price/sq ft
- $198
- Building area
- 2,474 sq ft (Public Records)
- Lot size
- 42,408 sq ft
- Lot category
- 1/2 to less than 1
- Flood zone
- X (12017C0216D)
- Garage
- 2 spaces
- Pool
- Private pool
- Annual taxes
- $3,620 (2025)
- Parcel #
- 19E-18S-18-0110-00030-0010
- Zoning
- CRR
- MLS #
- OM721018
Interior Details
- Bedrooms
- 3
- Full bathrooms
- 2
- Flooring
- Laminate, Tile
- Appliances
- Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
- Interior features
- Ceiling Fans(s), Eat-in Kitchen, Open Floorplan, Split Bedroom, Vaulted Ceiling(s), Walk-In Closet(s)
- Laundry
- Inside, Laundry Room
- Stories / Levels
- One
- Direction faces
- North
- Fireplace
- Yes
Heating & Cooling
- Heating
- Heat Pump
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
HOA & Financial
- HOA fee
- $614 / Quarterly
- Monthly HOA
- $205/mo
- Total monthly fees
- $220/mo
- Total annual fees
- $2,636
- HOA name
- Citrus Hills / Dora Steed
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- 6 Months
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- None
Exterior & Construction
- Exterior features
- Lighting, Rain Gutters
- Construction materials
- Block, Concrete, Stucco
- Roof
- Shingle
- Foundation
- Slab
- Pool
- Private pool
- Road surface
- Paved
Utilities
- Sewer
- Septic Tank
- Water source
- Public
- Utilities
- BB/HS Internet Available, Electricity Connected
Community
- Pets allowed
- Yes
Schools
Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Dining Room | First | 13.5x10.8 |
| Living Room | First | 21.2x15.7 |
| Kitchen | First | 10.6x10.11 |
| Laundry | First | 5.2x11.6 |
| Primary Bedroom | First | 12.9x21.5 |
| Primary Bathroom | First | 9.6x4.1 |
| Bedroom 2 | First | 13.11x10.7 |
| Bedroom 3 | First | 13.11x13.4 |
Listing Details
- Listing date
- 2026-04-06
- On market date
- 2026-04-06
- Original list price
- $365,000
- Occupant type
- Owner
- MLS area
- 34442 - Hernando
- Listing AOR
- Lake and Sumter
- Status changed
- 2026-04-06
- Tax legal description
- CITRUS HILLS 1ST ADD PB 9 PG 73 LOT 1 BLK 3
Flood risk
Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
Starting on S Florida Ave (US-41), Keep right toward US-41 N/Hernando. Continue on N Florida Ave (US-41 N).Turn left onto E Norvell Bryant Hwy (CR-486 W). Turn right onto N Annapolis Ave. Turn left onto E Gaines Ln. End at 826 E Gaines Ln.
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Listings courtesy of Stellar MLS as distributed by MLS GRID
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.
Based on information submitted to the MLS GRID as of April 28, 2026 at 12:49 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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