5430 W TORTUGA LOOP, LECANTO, FL, 34461
Active115 days on marketListed Mar 30, 2026MLS #TB8491555
About this home
5430 W TORTUGA LOOP
NEW CONSTRUCTION, A TRULY CUSTOM HOME UNSURPASSED IN CRAFTSMANSHIP AND FEATURES. Highlights include a stunning copper coloured metal roof ($45K), a large, paved, screened-in lanai with a rectangular propane fire pit ($120K) and an elegant stone retaining wall ($50K) joined by a wooden fence enclosing the back yard for maximum privacy. This custom home is offered by a longtime area builder and no expense was spared in its creation! Built for longevity, low maintenance and energy efficiency, you will not find another home in its class at this price point. 3 BR/2 bath/2 car garage. Open plan. Volume ceilings. Upscale kitchen appliances. Breakfast bar. Separate dining area. Tray ceilings in each BR. Stone countertops throughout. Custom lighting. Custom cabinetry. Epoxied floor in the garage. Custom built closet encloses the HVAC unit. Dedicated laundry closet. TESLA charger in garage. Plumbed for outdoor gas grill. Primary bedroom features dual closets, dual bathroom vanities and custom tile in the large walk in shower. Low HOA is $125/mth. Genuinely superior construction overall. Great attention to detail and design features. Community pool and clubhouse are in the planning process with no definite finish dates. The Stonegate community is highly unique and strategically located! Upgraded and custom features are part of every home package with a strong focus on energy efficiency, longevity and overall low maintenance. A Standard Features list is available upon request. Stonegate is very convenient to the recently completed extension of the Suncoast Highway making the overall location convenient to Tampa, Tampa International airport & environs. Citrus county is well known for its pristine waters and famous springs. The actual date of construction is 2024 with COO issued in 2024. Move in ready, never occupied. This home is offered for sale only, please no rental requests. Builder states no offers site unseen. Buyer to verify taxes with county. This property is BRAND NEW and has significant upgrades that are unique to the community.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,878
Sqft
0.23 ac
Lot size
2
Garage
2024
Year built
One
Levels
$210
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.
$3,206 /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
$3,206/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
+20.9%
$/sqft vs Lecanto actives
$210 vs $204
Days on market
115 vs 59 typical
Where $210/sqft sits among the 48 Lecanto 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 Crystal Oaks
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lecanto. See the full Lecanto guide →
Crystal Oaks — neighborhood snapshot
Population
840
Median age
55
Median income
$58,898
Median home value
$224,476
Avg household
2
Households w/ children
96%
For the school run
Citrus County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lecanto market
$340K → $325K
Lecanto median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
26 of 48
Lecanto actives have cut their price
Median sold price, Lecanto, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 3% above the LECANTO 34461 median. See the full Lecanto market guide →
Paper trail
This home's history
Reality check
What actually sold near 5430 W TORTUGA LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$370,000
5466 W TORTUGA LOOP · same community
4 bd · 3 ba · 2,079 sqft · $178/sqft · 12 DOM
Sold · Nov ’25$135,000
5042 W SOUTHERN STREET
4 bd · 2 ba · 1,890 sqft · $71/sqft · 87 DOM
Sold · Oct ’25$415,000
176 N CRYSTAL MEADOW PATH
3 bd · 3 ba · 1,905 sqft · $218/sqft · 19 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 5430 W TORTUGA LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5430 W TORTUGA LOOP — 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
5430 W TORTUGA LOOP FAQs
What would the monthly payment be for 5430 W TORTUGA LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,206/mo — principal and interest, the actual property-tax bill, the $125/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 5430 W TORTUGA LOOP?+
The association fee works out to $125 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5430 W TORTUGA LOOP?+
The most recent tax bill on record (2025) was $5,053. 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 5430 W TORTUGA LOOP?+
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 Lecanto?+
At $395,000, this home is listed about 6% above the Lecanto median of $373,950. The market section on this page shows how the area is trending.
Which schools are assigned to 5430 W TORTUGA LOOP?+
Rock Crusher Elementary School (elementary), Crystal River High School (high), Crystal River Middle School (middle) — Citrus County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA EXECUTIVE REALTY · Stacey Lenz. MLS #TB8491555.
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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