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$279,900

407 W HARVARD STREET, INVERNESS, FL 34452

Active61 days on market

Beds

3

Baths

2

Sq Ft

1,615 sq ft

Year Built

2023

Lot Size

0.22 acres

Garage

2

About This Property

This is the home you have been waiting for! Charming 3-bedroom 2-bathroom 2 car garage centrally located to everything downtown Inverness has to offer. Some of the standout features include Truss covered front porch (161 sq/ft) and rear lanai (101 sq/ft); 8-foot-tall front & sliding glass door; 9'4'' standard ceiling height throughout the entire home; Shaker real wood cabinets with 42'' upper cabinets; Majestic White granite countertop; Cloudburst glass subway tile Backsplash; Massive Walk-In Pantry; Water and Scratch resistant LVP flooring throughout the entire home (NO CARPET); Samsung stainless steel kitchen appliances plus Washer and Dryer included! The owner suite features a huge walk-in closet, dual sink vanity and designer tile shower with glass enclosure. Did I mention the oversized laundry room with additional linen closet for storage?! This home has all the key features you are looking for so don't wait schedule your private tour today!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #O6431085
StatusActive
Year Built2023
Stories1
Total Rooms4
ConstructionBlock, Stucco
RoofShingle
FoundationSlab
FacesNorth
SubdivisionINVERNESS HIGHLANDS SOUTH
CountyCitrus
OwnershipFee Simple

Interior Features

InteriorLiving Room/Dining Room Combo, Open Floorplan, Solid Wood Cabinets, Split Bedroom, Stone Counters, Tray Ceiling(s), Walk-In Closet(s), Window Treatments
FlooringLuxury Vinyl, Tile
AppliancesDishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Refrigerator, Washer, Water Filtration System, Water Softener
LaundryElectric Dryer Hookup, Laundry Room, Washer Hookup
CoolingCentral Air
HeatingCentral, Electric

Exterior & Lot

ExteriorLighting, Private Mailbox
FencingVinyl
Lot Size0.22 acres (9,600 sq ft)
Lot Dimensions80 x 120
Lot FeaturesCleared
Road SurfacePaved, Asphalt
0

Utilities

WaterWell
SewerSeptic Tank
UtilitiesBB/HS Internet Available, Cable Connected, Electricity Connected, Private, Public, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$279,900
Annual Taxes$4,313 (2025)
FinancingCash, Conventional, FHA, USDA Loan, VA Loan
ZoningMDR
Parcel #20E19S210020027100230

Schools

ElementaryInverness Primary School
MiddleInverness Middle School
HighCitrus High School

Directions

Intersection of Apopka and E Highland...Head south on S Apopka Ave toward W Highland Blvd 1.2 mi; Turn right onto W Harvard St; Destination will be on the left.

Location

407 W HARVARD STREET, INVERNESS, FL 34452

Listing Information

OfficeFL PRO BROKERS LLC
ListedAugust 6, 2026

Schedule a Tour

Pick a Day

Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$279,900

20% ($55,980)
6.75%

Loan Term

Principal & Interest$1,452
Property Tax (est.)$257
Insurance (est.)$150
Total Monthly$1,859
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $279,900 home in INVERNESS.

🏛️

FHA Loan

$9,797 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$13,995 Down

Traditional financing. As low as 3-5% down with good credit.

🌾

USDA Loan

$0 Down

Zero down for eligible rural areas. Income limits apply.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Citrus County SHIP

Varies

Income-qualifying Citrus residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: August 7, 2026.

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