3604 E ONYX PLACE, HERNANDO, FL, 34442
Active13 days on marketListed Jul 6, 2026MLS #O6422801
About this home
3604 E ONYX PLACE
Welcome to your own private Florida retreat in the highly desirable Willola Heights neighborhood! This beautifully maintained 3 bedroom, 2 bath home sits on an oversized double lot with NO HOA restrictions! Enjoy deeded lake access and peaceful lake views right from your property while being just minutes from the Gulf of America, shopping, dining, and entertainment. Whether you love boating, fishing, entertaining, or simply relaxing, this property truly has it all. Step outside to your backyard oasis featuring a swim spa, large screened lanai, and additional screened patio — great for year-round Florida living and entertaining family and friends. The fully fenced yard provides plenty of room for pets, toys, and outdoor enjoyment. Need space for hobbies, storage, or all your toys? The massive 30x40x14 detached shop with loft is a dream come true! Great space for working on boats, hot rods, motorcycles, creating the ultimate man cave, workshop, or extra storage space. Opportunities like this are hard to find! Additional upgrades include a roof replacement in 2019 for added peace of mind. This is more than just a home — it’s a lifestyle property with endless possibilities. Rarely does a property with this much space, functionality, and charm come available in such a sought-after location.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,028
Sqft
0.55 ac
Lot size
2
Garage
1994
Year built
One
Levels
$197
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$2,995 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,995/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+13.3%
$/sqft vs Hernando actives
$197 vs $197
Days on market
13 vs 37 typical
Where $197/sqft sits among the 101 Hernando actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Hernando
Get to know Hernando. See the full Hernando guide →
HERNANDO 34442 — neighborhood snapshot
Population
16,356
Median age
65.7
Median income
$55,473
Median home value
$295,900
Avg household
2.03
Households w/ children
868
For the school run
Citrus County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Hernando market
$330K → $303K
Hernando median sold, yr/yr
95.1%
Sale-to-list ratio (12 mo)
51 of 101
Hernando actives have cut their price
Median sold price, Hernando, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 43% above the HERNANDO 34442 median. See the full Hernando market guide →
Paper trail
This home's history
Reality check
What actually sold near 3604 E ONYX PLACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$227,000
4744 N PINE DRIVE
4 bd · 2 ba · 2,052 sqft · $111/sqft · 56 DOM
Sold · Jan ’26$375,000
3773 E LAKE TODD DRIVE
3 bd · 2 ba · 1,999 sqft · $188/sqft · 14 DOM
Sold · Jun ’26$202,000
3908 N RANCH PASS TERRACE
3 bd · 2 ba · 2,080 sqft · $97/sqft · 62 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Rui Ma
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3604 E ONYX PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3604 E ONYX PLACE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Rui's phone and CRM.
Straight answers
3604 E ONYX PLACE FAQs
What would the monthly payment be for 3604 E ONYX PLACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,995/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 3604 E ONYX PLACE?+
The most recent tax bill on record (2024) was $3,720. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Hernando?+
At $399,000, this home is listed about 7% above the Hernando median of $372,500. The market section on this page shows how the area is trending.
Which schools are assigned to 3604 E ONYX PLACE?+
Forest Ridge Elementary School (elementary), Lecanto Middle School (middle), Lecanto High School (high) — Citrus County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of BEYCOME OF FLORIDA LLC · Steven Koleno. MLS #O6422801.
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 is deemed reliable but is not guaranteed accurate by Stellar MLS.
Never miss a listing
New Hernando homes, in your inbox
Like 3604 E ONYX PLACE but not quite? A daily digest of every new listing in Hernando — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Rui to ping you on any price or status change →