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$699,900

45 VINCA STREET, HOMOSASSA, FL 34446

3D Tour
Active267 days on market

Beds

5

Baths

5

Sq Ft

3,801 sq ft

Year Built

2025

Lot Size

0.32 acres

Garage

3

About This Property

One or more photo(s) has been virtually staged. THE SELLER IS OFFERING $ 10,000 TOWARD CLOSING COST. Come and get it before it is gone. This home- a thoughtfully constructed home built by the same builder behind the widely recognized Mexico Beach residence that remained standing after Hurricane Michael. This property reflects a focus on durability, structural integrity, and long- term performance. The ICF (Insulated Concrete Form) luxury home is built for unmatched strength, energy efficiency, low electric costs, and long-term durability—engineered to withstand up to 260-mph winds and equipped with high-impact windows and a metal roof for superior storm protection and lower insurance costs. Hurricane strong, same construction as the last house standing in Mexico Beach. Featuring 5 bedrooms, 5 bathrooms, and a 3-car garage, this spacious residence sits on a desirable corner lot and offers an impressive open floor plan with a large living room, perfect for entertaining. The living area includes a wet bar, a coffee nook, and seamless flow into the kitchen, which showcases a pot filler, abundant cabinetry, and a walk-in pantry. The luxury master suite is thoughtfully designed with his-and-her closets, built-in shelving, and a private washer and dryer hook-up inside the closet for added convenience. The master bathroom offers a spa-like feel with elegant finishes and generous space. Enjoy true Florida living on the oversized lanai, ideal for gatherings, outdoor dining, and relaxing in privacy. Additional features include energy-efficient construction, modern finishes throughout, and a layout perfect for families, hosting, or multi-generational living. With its combination of strength, beauty, and efficiency, this ICF home offers peace of mind and exceptional comfort. Come experience the quality and craftsmanship for yourself—this home is truly built to last. Discover the highly desirable community of SugarMill Woods – Oak Village, where you can enjoy peaceful living with flexibility. Residents have the option to pay the low base HOA fee of just $12.91/month, or choose to upgrade and enjoy full community amenities for an additional fee. Sugar Mill Woods offers a variety of lifestyle amenities, including:Golf course, On-site restaurant, Olympic-size swimming pool, Fitness center ,Tennis and additional recreational facilities ,Beautiful walking areas and well-maintained common spaces Whether you prefer simple, low-cost living or want access to the full resort-style experience, this community gives you the freedom to choose. Oak Village is known for its quiet streets, natural surroundings, and close proximity to shopping, restaurants, and major highways. Close to Tampa and world-class beaches, state parks and bike trails.Virtually staged pictures.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8452113
StatusActive
Year Built2025
Total Rooms6
ConstructionICFs (Insulated Concrete Forms)
RoofMetal
FoundationSlab
FacesSouthwest
SubdivisionSUGARMILL WOODS, OAK VILLAGE
CountyCitrus
OwnershipFee Simple
New ConstructionYes

Interior Features

InteriorCeiling Fan(s), High Ceilings, Open Floorplan, Thermostat, Walk-In Closet(s), Wet Bar
FlooringLuxury Vinyl, Tile
AppliancesBuilt-In Oven, Cooktop, Dishwasher, Electric Water Heater, Microwave, Range Hood, Refrigerator
LaundryElectric Dryer Hookup, Laundry Closet, Laundry Room, Washer Hookup
CoolingCentral Air
HeatingCentral

Exterior & Lot

ExteriorIrrigation System, Lighting, Sliding Doors
Lot Size0.32 acres (14,114 sq ft)
Road SurfacePaved
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesBB/HS Internet Available, Cable Available, Electricity Available, Sewer Available, Underground Utilities, Water Available

Parking

GarageYes (3 spaces)

HOA & Community

HOAYes
HOA Fee$13 / Monthly
Senior CommunityNo

Financial Details

List Price$699,900
Original Price$899,900
Annual Taxes$402 (2025)
FinancingCash, Conventional, FHA, USDA Loan, VA Loan
ZoningX
Parcel #1820130020019000080

Schools

ElementaryLecanto Primary School
MiddleLecanto Middle School
HighLecanto High School

Directions

Go down 19 North take a right on W Ponce De Leon Blvd then left on Lone Pine St right on Vinca st.

Location

45 VINCA STREET, HOMOSASSA, FL 34446

Listing Information

OfficeKELLER WILLIAMS REALTY - ELITE PARTNERS II
ListedNovember 28, 2025

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Home Price

$699,900

20% ($139,980)
6.75%

Loan Term

Principal & Interest$3,632
Property Tax (est.)$642
Insurance (est.)$150
Total Monthly$4,423
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $699,900 home in HOMOSASSA.

🏛️

FHA Loan

$24,497 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

$34,995 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: September 4, 2026.

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