6970 N PALM OAK DRIVE, HERNANDO, FL, 34442
Active308 days on marketListed Sep 19, 2025MLS #OM709937
About this home
6970 N PALM OAK DRIVE
YOUR SEARCH STOPS HERE! This spacious ranch home encases a potential mother in law suite, tasteful modern updates, and a screened back porch. Sitting on over five acres of waterfront property located in one of the most well desired locations in Florida. Ample storage is an additional plus with a 25x45 detached garage, two additional carports, and two utility buildings. This fully fenced serene hammock land is bountiful with mature palm trees, live oaks, pines, cabbage palms, and other native vegetation. Property adjoins the Orange State Canal leading directly to the Withlacoochee River and Tsala Apopka Chains. Drop the boat in the water and head over to Stumpknockers and treat yourself to some great seafood. What more could you ask for? This incredible deal checks all the boxes, so don’t wait. This deal will go faster than a toupee in a hurricane. Inquire today! See Realtor remarks.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,106
Sqft
5.56 ac
Lot size
1983
Year built
One
Levels
$145
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.
$3,462 /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
$3,462/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.
$/sqft vs Hernando actives
$145 vs $197
Days on market
308 vs 37 typical
Where $145/sqft sits among the 100 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)
54 of 100
Hernando actives have cut their price
Median sold price, Hernando, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 65% above the HERNANDO 34442 median. See the full Hernando market guide →
Paper trail
This home's history
Reality check
What actually sold near 6970 N PALM OAK DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$699,500
7424 N NATURE TRAIL
3 bd · 2.5 ba · 2,758 sqft · $254/sqft · 201 DOM
Sold · Oct ’25$165,000
7830 N MASSEY TERRACE
4 bd · 2 ba · 2,363 sqft · $70/sqft · 144 DOM
Sold · Jul ’25$326,000
4741 E LAKEVIEW PLACE
3 bd · 2 ba · 2,118 sqft · $154/sqft · 94 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 6970 N PALM OAK DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6970 N PALM OAK DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
6970 N PALM OAK DRIVE FAQs
What would the monthly payment be for 6970 N PALM OAK DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,462/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 6970 N PALM OAK DRIVE?+
The most recent tax bill on record (2024) was $5,444. 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 $450,000, this home is listed about 21% above the Hernando median of $372,500. The market section on this page shows how the area is trending.
Which schools are assigned to 6970 N PALM OAK DRIVE?+
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.
The brief
Three things that matter here
01Positioned at the premium end
$450,000 runs 65% above the HERNANDO 34442 median — but at 3,106 sqft it's also 71% larger than the typical Hernando listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
308 days on market against a Hernando median of 37 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 J.W.MORTON R.E. · Wayne Buhler. MLS #OM709937.
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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