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$399,900

111 E HARVARD STREET, INVERNESS, FL 34452

3D Tour
Active455 days on market

Beds

4

Baths

4

Sq Ft

2,104 sq ft

Year Built

2025

Lot Size

0.22 acres

Garage

—

About This Property

Virtually Staged. Limited-Time Summer Duplex Drop! For the month of July, twelve duplexes qualify for 3.75% (5.068% APR) financing plus 2 years of professional property management and Rent Protection. Offer subject to lender qualification, availability, and program terms. See listing agent for complete details. Both units are currently occupied and leased through 5/31/2027, providing instant income at closing! Designed with modern living in mind, this property features an open, functional floor plan, luxury vinyl plank (LVP) flooring throughout, quartz countertops, and contemporary finishes that appeal to today’s renters and buyers alike. Enjoy the benefits of new construction, including builder warranties and low maintenance. Property presents an opportunity for rental income, but income is not guaranteed. Buyer to verify all lease terms, tenant status, and financial considerations. Photos may be of a similar or previously completed unit and are for illustrative purposes only. Features, finishes, and layout may vary. One or more photo(s) may have been virtually staged.

Property Overview

Property TypeResidential Income
Sub TypeDuplex
MLS #OM705049
StatusActive
Year Built2025
ConstructionBlock, Concrete
RoofShingle
FoundationSlab
SubdivisionINVERNESS HIGHLANDS SOUTH
CountyCitrus
OwnershipFee Simple

Interior Features

InteriorEating Space In Kitchen, Solid Wood Cabinets, Stone Counters, Walk-In Closet(s)
LaundryCorridor Access, Electric Dryer Hookup, Inside, Washer Hookup
CoolingCentral Air
HeatingCentral

Exterior & Lot

ExteriorPrivate Mailbox, Sliding Doors
Lot Size0.22 acres (9,613 sq ft)
Lot Dimensions80 x 120
Road SurfacePaved
0

Utilities

WaterPublic
SewerSeptic Tank
UtilitiesElectricity Available

Parking

GarageNo

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$399,900
Original Price$419,900
Annual Taxes$105 (2024)
FinancingCash, Conventional, FHA, VA Loan
ZoningMDR
Parcel #20E19S210020020002340

Schools

ElementaryInverness Primary School
MiddleCitrus Springs Middle School
HighCitrus High School

Directions

To get to the Inverness Duplexes located at 109/111 E Harvard St, Inverness, FL 34452, start by heading southeast on US-41 S/S Apopka Avenue from downtown Inverness. Then, turn left onto E Dampier Street, followed by a right onto S Line Avenue. Continue by turning left onto E Harvard Street. The property will be located on the right-hand side at 109/111 E Harvard Street.

Location

111 E HARVARD STREET, INVERNESS, FL 34452

Listing Information

OfficeSUNCOAST PROPERTY MANAGEMENT L
ListedJuly 8, 2025

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Home Price

$399,900

20% ($79,980)
6.75%

Loan Term

Principal & Interest$2,075
Property Tax (est.)$367
Insurance (est.)$150
Total Monthly$2,592
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $399,900 home in INVERNESS.

🏛️

FHA Loan

$13,997 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

$19,995 Down

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

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 4, 2026.

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