12021 FERN TERRACE COURT, TRINITY, FL, 34655
Active9 days on marketListed Aug 1, 2026MLS #TB8528896
About this home
12021 FERN TERRACE COURT
WELCOME TO THIS WONDERFUL POND FRONT HOME LOCATED ON A QUIET CUL DE SAC IN THE SOUGHT AFTER 55+ COMMUNITY OF HERITAGE SPRINGS. THIS HOME HAS AN INCREDIBLE FLOOR PLAN AND WAS RECENTLY REFRESHED WITH NEW CARPETS AND INTERIOR PAINT. IT FEATURES 3 BEDROOMS, 2 FULL BATHROOMS, A SEPARATE STUDY, 2 CAR GARAGE AND A HUGE EXTENDED LANAI. THIS VILLAGE ALSO PROVIDES LAWN MAINTENANCE, SPRINKLERS AND EXTERIOR PAINTING EVERY SIX YEARS. UPON ENTERING THIS HOME YOUR EYES ARE IMMEDIATELY BE DRAWN UPWARD TO THE SOARING CEILINGS WHICH EXTEND DOWN THROUGH THE FORMAL LIVING AND DINING ROOMS TO THE EAT IN KITCHEN AND FAMILY ROOM. THE WELL DESIGNED KITCHEN OFFERS AN ISLAND, WOOD CABINETS, A PANTRY AND BUILT IN DESK AREA. THE FAMILY ROOM HAS THE SLIDING DOORS TO THE LANAI WHICH WILL PROVIDE STUNNING VIEWS OF THE POND AND NATURE. IT SHOULD BE NOTED THAT THE ORIGINAL LANAI (10’X14.5’) WAS EXTENDED AN ADDITIONAL 9.6’ X 25.4 FEET DURING CONSTRUCTION TO PROVIDE A ONE OF A KIND OUTDOOR RETREAT. THE PRIMARY SUITE BOASTS A VAULTED CEILING, A PRIVATE ENSUITE BATHROOM WITH GARDEN TUB, AND AN EXTRA LARGE WALK IN SHOWER AND DUAL SINKS. THERE IS AN ATTACHED PRIVATE STUDY WHICH CAN BE USED AS A OFFICE, TV ROOM OR A HOBBY ROOM. THE TWO SECONDARY BEDROOMS AND BATHROOM ARE LOCATED ON A SEPARATE WING OFFERING PRIVACY FOR GUESTS. HERITAGE SPRINGS IS A WONDERFUL ACTIVE AGE RESTRICTED COMMUNITY WHICH PROVIDES FOR ALL YOUR FUN TIME ACTIVITIES. ITS GRAND CLUBHOUSE FEATURES A RESTAURANT, BAR, A BALLROOM, CLUB AND GAME ROOMS AND A STUNNING COMMUNITY POOL AND SPA. THE COMMUNITY GOLF COURSE AND DRIVING RANGE ARE ABSOLUTELY STUNNING. THERE ARE ALSO TENNIS COURTS, BASKETBALL COURT, BOCCI AND LOTS OF SCENIC WALK WAYS AND BENCHES THROUGH OUT THIS WONDERFUL COMMUNITY. THE COMMUNITY’S SUPERB LOCATION ALSO PROVIDES EASY ACCESS TO MAIN ROADS, AIRPORTS, HOSPITALS, MALLS AND SHOPPING.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,032
Sqft
0.23 ac
Lot size
2
Garage
2005
Year built
One
Levels
$194
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.
$3,183 /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
$3,183/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
−19.5%
$/sqft vs Trinity actives
$194 vs $235
Days on market
9 vs 54 typical
Where $194/sqft sits among the 43 Trinity 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 Heritage Springs
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Trinity. See the full Trinity guide →
Heritage Springs — neighborhood snapshot
Population
3,004
Median age
47
Median income
$107,215
Median home value
$423,631
Avg household
3
Households w/ children
405
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Trinity market
$467K → $504K
Trinity median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
25 of 43
Trinity actives have cut their price
Median sold price, Trinity, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 24% above the TRINITY 34655 median. See the full Trinity market guide →
Paper trail
This home's history
Reality check
What actually sold near 12021 FERN TERRACE COURT
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$355,000
1606 ARBOR KNOLL LOOP · same community
3 bd · 2 ba · 1,793 sqft · $198/sqft · 0 DOM
Sold · Jan ’26$380,000
1623 ARBOR KNOLL LOOP · same community
3 bd · 2 ba · 1,713 sqft · $222/sqft · 36 DOM
Sold · Aug ’25$340,000
12027 YELLOW FINCH LANE
3 bd · 2 ba · 2,032 sqft · $167/sqft · 37 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 12021 FERN TERRACE COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12021 FERN TERRACE COURT — 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
12021 FERN TERRACE COURT FAQs
What would the monthly payment be for 12021 FERN TERRACE COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,183/mo — principal and interest, the actual property-tax bill, the $199/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 12021 FERN TERRACE COURT?+
The association fee works out to $199 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12021 FERN TERRACE COURT?+
The most recent tax bill on record (2025) was $3,885. 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 12021 FERN TERRACE COURT?+
The listing reports pets: Cats OK, Dogs OK. 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 Trinity?+
At $395,000, this home is listed about 23% below the Trinity median of $515,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12021 FERN TERRACE COURT?+
Trinity Elementary School (elementary), James W. Mitchell High School (high), Seven Springs Middle School (middle) — Pasco 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
$395,000 runs 24% above the TRINITY 34655 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Trinity Elementary School, James W. Mitchell High School, Seven Springs Middle School — Trinity Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Claire Winhoffer. MLS #TB8528896.
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 Trinity homes, in your inbox
Like 12021 FERN TERRACE COURT but not quite? A daily digest of every new listing in Trinity — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Steeve to ping you on any price or status change →