4635 KONA CIRCLE, SPRING HILL, FL, 34608
Active94 days on marketListed Apr 16, 2026MLS #OM722938
About this home
4635 KONA CIRCLE
Under Construction. "Step inside the Denham. The thoughtful design of this 4-bedroom and 3-bathroom home features an open-concept design perfect for all families. As you enter the heart of the home, the kitchen overlooks the great room and dining area that leads you outside to the covered lanai. Perfect for entertaining, the kitchen has a central island with quartz countertops, a walk-in pantry, and stainless-steel appliances. The primary bedroom is located near the dining room and has a walk-in closet and ensuite bathroom with a double vanity and quartz countertops. The other three bedrooms each have walk-in closets and have easy access to the second bathroom. The fourth bedroom has an ensuite bathroom and is next to the designated laundry room with ample counterspace and a utility sink. The Denham is complete with a state-of-the-art smart home system. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information including pricing, included features, terms, availability and amenities are subject to change and prior sale at any time without notice or obligation. CRC057592. "
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,336
Sqft
0.2 ac
Lot size
3
Garage
2026
Year built
One
Levels
$160
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 and the real association fee — not generic estimates.
$2,529 /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
$2,871/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
−2.4%
$/sqft vs SOMERSET BAY
$160 vs $209
Days on market
94 vs 29 typical
Where $160/sqft sits among the 12 homes for sale in SOMERSET BAY
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.
The investor lens
Two ways this home pays
This home sits inside Somerset, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental · projected
$49,444/yr gross
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$1,948/mo median
Live Spring Hill rental listing data — this home’s rate depends on size, condition and furnishing.
The Spring Hill short-term market
▼ Softening44%
Occupancy
▼ 30% yr/yr
$238
Avg nightly rate
▲ 4% yr/yr
$27K/yr
Revenue per listing
$108
RevPAR
43 days
Booking lead time
5.2 nights
Avg stay
3
Typical min nights
432
Active rentals
▲ 3% supply
Seasonality — monthly occupancy
Peaks at 58% in Mar · bottoms at 34% in Sep
Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Spring Hill — the projection above is specific to this home’s size.
Where it sits
Inside Somerset
Drive times from this address
Somerset is a short-term-rental community. See the full guide →
SPRING HILL 34608 — neighborhood snapshot
Population
36,565
Median age
42.4
Median income
$62,197
Median home value
$237,400
Avg household
2.54
Households w/ children
4,122
For the school run
Hernando County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Spring Hill market
$320K → $318K
Spring Hill median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
3 of 12
SOMERSET BAY have cut their price
Median sold price, Spring Hill, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 18% above the SPRING HILL 34608 median. See the full Spring Hill market guide →
Paper trail
This home's history
Reality check
What actually sold near 4635 KONA CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$379,990
4647 KONA CIRCLE · same community
5 bd · 3 ba · 2,490 sqft · $153/sqft · 12 DOM
Sold · Jun ’26$276,990
4049 KONA CIRCLE · same community
5 bd · 2 ba · 1,739 sqft · $159/sqft · 30 DOM
Sold · Jul ’26$278,070
4035 KONA CIRCLE · same community
5 bd · 2 ba · 1,739 sqft · $160/sqft · 49 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 4635 KONA CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4635 KONA CIRCLE — 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
4635 KONA CIRCLE FAQs
What would the monthly payment be for 4635 KONA CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,529/mo — principal and interest, estimated property taxes, the $8/mo association fee 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.
How much are the HOA fees at 4635 KONA CIRCLE?+
The association fee works out to $8 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4635 KONA CIRCLE?+
The most recent tax bill on record (2025) was $0. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 4635 KONA CIRCLE be rented short-term?+
Yes — this home sits inside Somerset, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 4635 KONA CIRCLE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Spring Hill?+
At $373,070, this home is listed about 8% above the Spring Hill median of $345,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4635 KONA CIRCLE?+
Frank W. Springstead High School (high), Explorer K-8 (elementary) — Hernando County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$373,070 runs 18% above the SPRING HILL 34608 median — but at 2,336 sqft it's also 28% larger than the typical Spring Hill listing.
02Zoned for nightly rentals
Somerset is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Time on market is leverage
94 days on market against a Spring Hill median of 29 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of DR HORTON REALTY OF WEST CENTRAL FLORIDA · Anne Peterson Eger. MLS #OM722938.
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 Spring Hill homes, in your inbox
Like 4635 KONA CIRCLE but not quite? A daily digest of every new listing in Spring Hill — 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 →