3556 E COVE PARK TRAIL, HERNANDO, FL, 34442
Active28 days on marketListed Jun 22, 2026MLS #OM727184
About this home
3556 E COVE PARK TRAIL
See Realtor Remarks: Welcome to your next chapter! This beautifully maintained concrete-block home offers the perfect blend of comfort, security and the active Florida lifestyle. Nestled inside the highly desirable, gated, 55+ community of Arbor Lakes this property is designed for low maintenance living. Discover the perfect retreat offering 3 bedrooms and 2 bathrooms in a highly functional split floor plan. Built in 2002 for peace of mind and durability this home boasts 1,746 sq ft of air-conditioned living space and 2,508 total sq. ft under roof. It is situated on a .17 acre lot near the entrance so you'll spend less time on yard work and more time enjoying the fantastic amenities of Arbor Lakes including a solar heated pool where you can join in on the water aerobics, a shuffleboard court, pickleball court, a boat dock on Hernando Lake where you can launch your kayaks and canoes, or join one of the many groups that do activities! This home also comes partially furnished so it will be ideal for the snowbird who wants to come down and do very little except move in! For peace of mind the roof was just done in 2022 and the HVAC in 2017. Utilities are on city water and sewer and this home is not in a flood zone. So what are you waiting for before its too late!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,746
Sqft
0.17 ac
Lot size
2
Garage
2002
Year built
One
Levels
$152
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.
$2,146 /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
$2,146/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
−1.2%
$/sqft vs Hernando actives
$152 vs $197
Days on market
28 vs 37 typical
Where $152/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)
50 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 5% below the HERNANDO 34442 median. See the full Hernando market guide →
Paper trail
This home's history
Reality check
What actually sold near 3556 E COVE PARK TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$240,000
3825 E ARBOR LAKES DRIVE · same community
3 bd · 2 ba · 1,730 sqft · $139/sqft · 91 DOM
Sold · Jun ’26$280,000
3774 E LAKE TODD DRIVE · same community
3 bd · 2 ba · 1,788 sqft · $157/sqft · 64 DOM
Sold · Apr ’26$210,000
3548 E COVE PARK TRAIL · same community
3 bd · 2 ba · 1,704 sqft · $123/sqft · 55 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 3556 E COVE PARK TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3556 E COVE PARK TRAIL — 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
3556 E COVE PARK TRAIL FAQs
What would the monthly payment be for 3556 E COVE PARK TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,146/mo — principal and interest, the actual property-tax bill, the $173/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 3556 E COVE PARK TRAIL?+
The association fee works out to $173 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3556 E COVE PARK TRAIL?+
The most recent tax bill on record (2025) was $1,639. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 3556 E COVE PARK TRAIL?+
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 Hernando?+
At $264,900, this home is listed about 29% below the Hernando median of $372,500. The market section on this page shows how the area is trending.
Which schools are assigned to 3556 E COVE PARK TRAIL?+
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 CENTURY 21 J.W.MORTON R.E. · Wayne Buhler. MLS #OM727184.
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.
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