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$199,900

4540 N WINCHESTER TERRACE, HERNANDO, FL 34442

3D Tour

Active73 days on market

Beds

Baths

Sq Ft

1,200 sq ft

Year Built

2026

Lot Size

0.57 acres

Garage

—

About This Property

One or more photo(s) has been virtually staged. "2026 New Construction on .57 Acres - No HOA - No Flood Zone." ~ Take advantage of this limited-time buyer incentive—qualified buyers can lock in an incredible 1% rate buy-down for the first year, dramatically lowering your monthly payments right out of the gate. Plus, move in stress-free with a brand-new washer and dryer included at no extra cost. Eligible VA buyers may qualify for 0% down. Opportunities like this don’t last—schedule your showing today before it’s gone. Call and ask for our preferred lender to discuss your options. Affordable living on the Nature Coast. Looking for a peaceful place to call home with No HOA, No Flood zone yet near boating and nature. Citrus County offers quiet living, natural beauty and affordability all in one. Additional features: this property offers plenty of room for your boat, RV, and other toys. Enjoy the perfect blend of peaceful living while being just a short drive to Ocala, nearby lakes, and the new shopping and dining in Lecanto. This home is a wind zone 2 Energy Star Home, drywall with stainless steel appliances, New Septic and Well all on .57 acres. One or more photo(s) have been virtually staged.

Property Overview

Property TypeResidential

Sub TypeManufactured Home

MLS #W7885384

StatusActive

Year Built2026

Total Rooms3

ConstructionOther

RoofShingle

FoundationOther

FacesNorth

SubdivisionAPACHE SHORES UNIT 04

CountyCitrus

OwnershipFee Simple

New ConstructionYes

Interior Features

InteriorOther

FlooringLuxury Vinyl, Vinyl

AppliancesCooktop, Dishwasher, Range, Refrigerator

LaundryInside

CoolingCentral Air

HeatingElectric

Exterior & Lot

ExteriorOther

Lot Size0.57 acres (24,999 sq ft)

Lot Dimensions100 x 241

Road SurfacePaved

Utilities

WaterWell

SewerSeptic Tank

UtilitiesOther

Parking

GarageNo

HOA & Community

HOANo

Senior CommunityNo

Financial Details

List Price$199,900

Original Price$214,900

Annual Taxes$130 (2025)

FinancingCash, Conventional, FHA, USDA Loan, VA Loan

ZoningMDRMH

Parcel #19E18S140040002300550

Directions

44 W Gulf to Lake turn left on S Croft right on 486 E Novell Bryant, left on 41 N Florida; veer right on 200 N Carl G; Left on Buffalo then turns into Winchester home on the right. GPS can be used also

Location

4540 N WINCHESTER TERRACE, HERNANDO, FL 34442

Listing Information

OfficeKELLER WILLIAMS ELITE PARTNERS II

ListedMay 1, 2026

Schedule a Tour

Pick a Day

Preferred Time

Home Price

$199,900

Down Payment20% ($39,980)

Interest Rate6.75%

Loan Term

Principal & Interest$1,037

Property Tax (est.)$183

Insurance (est.)$150

Total Monthly$1,370

Full Calculator →

How to Buy This Home

Multiple financing options available for this $199,900 home in HERNANDO.

🏛️

FHA Loan

$6,997 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

$9,995 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.

Full Calculator →First-Time Buyer Guide →VA Loan Guide →

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: July 13, 2026.