$444,000
12480 S FERN POINT, FLORAL CITY, FL 34436
Beds
3
Baths
2
Sq Ft
2,343 sq ft
Year Built
1995
Lot Size
0.99 acres
Garage
2
About This Property
Concrete block home with concrete wood look siding on the front. New granite countertops, sink and dishwasher! Rare opportunity to own in the established Oak Forest neighborhood. Private setting. No HOA and lot is .99 of an acre. Located between Inverness and Brooksville below Floral City, right off 41. Home is located on a cul-de-sac. Custom built block home offering 3 bedrooms and 2 bathrooms, with a 2 car garage. As you walk up to the home you are greeted by the front wraparound patio that offers scenic views of the neighboring 60 acre horse farm. Entering the home you will notice the custom compass rose marble tile work in the foyer and beautiful Hickory hardwood floors throughout the living areas and bedrooms. Living room has a wood burning fireplace & large, lighted storage closet. Living room and separate dining areas allow for plenty of space for entertaining guests. Dining room has tray ceiling. Kitchen offers island with breakfast bar and new sink. Ample cabinet space with slide out shelves on the bottom cabinets. Breakfast nook is perfect for quick meals. The enclosed sun room has large windows to enjoy the country view and is equipped with a mini split AC with heat, installed 2024. For cooler nights warm yourself by the newer potbelly stove while making a hot beverage. Primary bedroom features tray ceiling, walk in closet with John Luis custom wood shelving. Bedroom is oversized and allows access to the garage. Primary bathroom has been updated with new vanity, toilet, shower, jacuzzi tub and flooring. Secondary bedrooms have large, lighted closets and ceiling fans. Hall bathroom has also been updated with new toilet, shower, and flooring. Washer and dryer hookups are in the garage. Water heater is new. AC condenser is two years old. Home has central vac system. Backyard has a park like setting and new paver patio. Location provides easy access to major highways. Seller will pay for a one year home warranty with an acceptable offer.
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Directions
From I-75 N take exit 293 Dade City, turn right onto Blanton Rd, turn left onto Cortz Blvd, turn right onto N. Broad St, turn right onto E Oak Forest St, turn right onto S Fern Pt house will be on your right at the cul-de-sac.
Location
12480 S FERN POINT, FLORAL CITY, FL 34436
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$444,000
Loan Term
How to Buy This Home
Multiple financing options available for this $444,000 home in FLORAL CITY.
🏛️
FHA Loan
$15,540 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
$22,200 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: September 19, 2026.