
8540 N SUMTER TERRACE, CITRUS SPRINGS, FL, 34433
Active0 days on marketListed Aug 18, 2026MLS #A4703324
About this home
8540 N SUMTER TERRACE
Under Construction. New construction with warranty! Estimated delivery Nov/Dec 2026. SPECIAL INCENTIVES: Get up to $15k toward closing costs, rate buydowns, and prepaids at closing when using preferred lender and title. The St. Augustine blends elegant design with everyday functionality, offering the perfect balance of indoor comfort and outdoor living. A welcoming covered front porch leads into the heart of the home, where an open-concept layout with a vaulted ceiling creates a sense spaciousness and flow. The dining area with double windows, gourmet kitchen with a freestanding island and pantry of, and expansive Great Room with sliding glass doors all work together to maximize natural light and create an inviting atmosphere. Step outside to the large covered lanai—ideal for relaxing or entertaining. The private Primary Suite is a true retreat, featuring two generous walk-in closets and an en-suite bathroom with a dual sink vanity, a tiled walk-in shower, and a large linen closet for added convenience. On the opposite side of the home, three additional bedrooms provide flexibility for family, guests, or the perfect home office. Additional features include: Quartz countertops in kitchen and baths, Shaker-style cabinetry with soft-close doors, stainless steel kitchen appliance package, upgraded plank tile flooring in main living areas, hurricane-impact windows and doors, covered entry, and an attached 3-car garage with direct access to the laundry room. Pictures, renderings, & virtual tour are of similar home & are used for display purposes only.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,829
Sqft
0.31 ac
Lot size
3
Garage
2026
Year built
One
Levels
$169
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.
$2,138 /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
$2,138/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
+7.4%
Days on market
0 vs 84 typical
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 Citrus Springs
Get to know Citrus Springs. See the full Citrus Springs guide →
CITRUS SPRINGS 34433 — neighborhood snapshot
Population
8,218
Median age
45.8
Median income
$70,024
Median home value
$217,100
Avg household
2.63
Households w/ children
696
For the school run
Citrus County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Citrus Springs market
$269K → $262K
Citrus Springs median sold, yr/yr
98.8%
Sale-to-list ratio (12 mo)
Median sold price, Citrus Springs, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 933% above the CITRUS SPRINGS 34433 median. See the full Citrus Springs market guide →
Paper trail
This home's history
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
Jennifer Reinbolt
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 8540 N SUMTER TERRACE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8540 N SUMTER TERRACE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Jennifer's phone and CRM.
Straight answers
8540 N SUMTER TERRACE FAQs
What would the monthly payment be for 8540 N SUMTER TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,138/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 8540 N SUMTER TERRACE?+
The most recent tax bill on record (2025) was $197. 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 Citrus Springs?+
At $309,990, this home is listed about 13% above the Citrus Springs median of $274,995. The market section on this page shows how the area is trending.
Which schools are assigned to 8540 N SUMTER TERRACE?+
Citrus Springs Elementary School (elementary), Citrus Springs Middle School (middle), Crystal River 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
$309,990 runs 933% above the CITRUS SPRINGS 34433 median — but at 1,829 sqft it's also 15% larger than the typical Citrus Springs listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Listed today in a Citrus Springs market that averages 84 — if it fits, move quickly.
Listing courtesy of CHRISTOPHER ALAN REALTY, LLC · Carlos Gilkey, Iv. MLS #A4703324.
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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