$200,000
SOLD AUG 14, 2025

3570 E Cove Park Trail Hernando, FL 34442

2 Beds
2 Baths
1,138 Sq Ft
7,460 Sq Ft Lot

Recently Sold

$176 Per Sq Ft

9% Below List Price

60 Days on Market

Highlights

  • Boat Dock
  • RV Access or Parking
  • Gated Community
  • Fitness Center
  • Active Adult
  • Waterfront

About This Home

As of August 2025

Affordable Florida Living in Arbor Lakes! This charming, fully furnished home is move-in ready and offers incredible value in the sought-after 55+ gated waterfront community of Arbor Lakes. Nestled on a spacious, fully fenced lot, it combines comfort and convenience—great for full-time living or a relaxing seasonal escape. Inside, you’ll find a thoughtfully designed split floor plan with a welcoming living room, dedicated dining area, and a bright, functional kitchen. The bedrooms are nicely sized, and both bathrooms have been tastefully updated. Step out to the screened-in back patio to enjoy peaceful mornings or quiet evenings in your serene backyard—great for gardening, pets, or just soaking in the Florida sunshine. Arbor Lakes is known for its low HOA, a serene setting, vibrant community lifestyle, and great amenities . Don’t miss your chance to own the most affordable home in this beautiful community!

Last Agent to Sell the Property

Lindsey Cummins

Century 21 J.W.Morton R.E. License #3336257 Listed on: 06/03/2025

Century 21 J.W.Morton R.E.

Last Buyer's Agent

Lindsey Cummins

Century 21 J.W.Morton R.E. License #3336257 Listed on: 06/03/2025

Century 21 J.W.Morton R.E.

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $2,524

Year Built

  • Built in 2002

Lot Details

  • 7,460 Sq Ft Lot
  • Waterfront
  • Property fronts a private road
  • Chain Link Fence
  • Level Lot
  • Property is zoned PDR

HOA Fees

  • $172 Monthly HOA Fees

Parking

  • 1 Car Attached Garage
  • Driveway
  • RV Access or Parking

Home Design

  • Block Foundation
  • Slab Foundation
  • Shingle Roof
  • Asphalt Roof
  • Stucco

Interior Spaces

  • 1,138 Sq Ft Home
  • 1-Story Property
  • Cathedral Ceiling
  • Laminate Flooring

Kitchen

  • Breakfast Bar
  • Electric Oven
  • Electric Cooktop
  • Built-In Microwave
  • Dishwasher
  • Laminate Countertops

Bedrooms and Bathrooms

  • 2 Bedrooms
  • Split Bedroom Floorplan
  • 2 Full Bathrooms
  • Shower Only
  • Separate Shower

Laundry

  • Laundry in Garage
  • Dryer
  • Washer

Outdoor Features

  • Water Access
  • Docks

Schools

  • Hernando Elementary School
  • Citrus Springs Middle School
  • Citrus High School

Utilities

  • Central Heating and Cooling System
  • Heat Pump System
  • Water Heater

Community Details

Overview

  • Active Adult
  • Association fees include cable TV, high speed internet, legal/accounting, pool(s), recreation facilities, road maintenance, street lights, security, tennis courts, trash
  • Arbor Lakes Association, Phone Number (352) 812-8086
  • Arbor Lakes Subdivision

Amenities

  • Shops
  • Clubhouse
  • Billiard Room

Recreation

  • Boat Dock
  • Community Boat Facilities
  • Tennis Courts
  • Fitness Center
  • Community Pool
  • Trails

Security

  • Gated Community

Home Details

Home Type

Single Family

Est. Annual Taxes

$2,524

Year Built

Built in 2002

Lot Details

0

HOA Fees

$172 per month

Parking

1

Listing Details

  • Architectural Style: One Story
  • Carport Y N: No
  • Directions: N. Carl G Rose Hwy. Right into Arbor Lakes. Right on E. Cove Park Trail.
  • Water Frontage Type: Waterfront
  • Garage Yn: Yes
  • Unit Levels: One
  • Lot Size Acres: 0.17
  • New Construction: No
  • Property Sub Type: Single Family Residence
  • Property Sub Type Additional: Single Family Residence
  • Prop. Type: Residential
  • Road Frontage Type: Private Road
  • Building Stories: 1
  • Subdivision Name: Arbor Lakes
  • Year Built: 2002
  • Special Features: None
  • Stories: 1

Interior Features

  • Appliances: Dryer, Dishwasher, Electric Cooktop, Electric Oven, Microwave Hood Fan, Microwave, Refrigerator, Water Heater, Washer
  • Full Bathrooms: 2
  • Total Bedrooms: 2
  • Flooring: Laminate, Tile
  • Interior Amenities: Breakfast Bar, Cathedral Ceiling(s), Laminate Counters, Primary Suite, Split Bedrooms, Shower Only, Separate Shower
  • Living Area: 1138.0

Exterior Features

  • Construction Type: Stucco
  • Exterior Features: Concrete Driveway
  • Fencing: Chain Link
  • Foundation Details: Block, Slab
  • Lot Features: Flat
  • Pool Features: None, Community
  • Roof: Asphalt, Shingle
  • Waterfront Features: Water Access
  • Waterfront: No

Garage/Parking

  • Attached Garage: Yes
  • Garage Spaces: 1.0
  • Parking Features: Attached, Concrete, Driveway, Garage, Boat, RV Access/Parking
  • Total Parking Spaces: 1.0

Utilities

  • Cooling: Central Air
  • Cooling Y N: Yes
  • Heating: Central, Electric, Heat Pump
  • Heating Yn: Yes
  • Laundry Features: In Garage
  • Security: Gated Community
  • Sewer: Public Sewer
  • Water Source: Public

Condo/Co-op/Association

  • Amenities: Boat Dock
  • Association Fee: 515.0
  • Association Fee Frequency: Quarterly
  • Association Name: Arbor Lakes
  • Phone: 352.812.8086
  • Association: Yes
  • Community Features: Boat Facilities, Billiard Room, Clubhouse, Dock, Fitness, Shopping, Tennis Court(s), Trails/Paths, Gated
  • Senior Community: Yes

Fee Information

  • Association Fee Includes: Cable TV, High Speed Internet, Legal/Accounting, Pool(s), Recreation Facilities, Road Maintenance, Street Lights, Security, Tennis Courts, Trash

Schools

  • Elementary School: Hernando Elementary
  • High School: Citrus High
  • Middle Or Junior School: Citrus Springs Middle

Lot Info

  • Lot Size Sq Ft: 7460.0
  • Zoning: PDR

Tax Info

  • Tax Annual Amount: 2523.54
  • Tax Year: 2024

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Jun 3, 2025
Closed on
Aug 12, 2025
Sold by
Helen M Tragesser Trust and Tragesser Helen M
Bought by
Clay William R
Seller's Agent
Lindsey Cummins
Century 21 J.W.Morton R.E.
Buyer's Agent
Lindsey Cummins
Century 21 J.W.Morton R.E.
List Price
$219,000
Sold Price
$200,000
Premium/Discount to List
-$19,000
-8.68%
Views
91
Current Estimated Value
$201,928

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$1,928
Avg. Annual Appreciation
2.78%

Purchase Details

Listed on
Jan 8, 2016
Closed on
Feb 26, 2016
Sold by
Ogden William G and Ann Atwood Ogden Provencal Tru
Bought by
Helen M Tragesser Trust
Seller's Agent
Ruth Frederick
Century 21 J.W.Morton R.E.
Buyer's Agent
Lindsey Cummins
Century 21 J.W.Morton R.E.
List Price
$116,900
Sold Price
$117,000
Premium/Discount to List
$100
0.09%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
5.83%

Purchase Details

Closed on
Jan 3, 2005
Sold by
Apking Lila J
Bought by
Ogden William G

Purchase Details

Closed on
Sep 11, 2003
Sold by
Krzeminski Nancy C
Bought by
Apking Lila J

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$69,600
Interest Rate
6.13%
Mortgage Type
Purchase Money Mortgage

Purchase Details

Closed on
Sep 1, 2003
Bought by
Tragesser Helen M and Helen M Tragesser Trust Udt

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$69,600
Interest Rate
6.13%
Mortgage Type
Purchase Money Mortgage

Purchase Details

Closed on
May 1, 2003
Bought by
Tragesser Helen M and Helen M Tragesser Trust Udt

Purchase Details

Closed on
Aug 1, 1999
Bought by
Tragesser Helen M and Helen M Tragesser Trust Udt
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
Collateral Analytics

Collateral Analytics Collateral Analytics AVMs (Automated Valuation Model) employ a number of statistical approaches combined with neighborhood-specific comparable selection guarantees the most up-to-date and precise valuations.

Not Available

Collateral Analytics does not have data for the current month. Please view the chart for historical values.

ICE

ICE Mortgage Technology ICE Mortgage Technology’s AVM (Automated Valuation Model) is a state-of-the-art online residential property valuation tool that provides a quick and accurate estimate of the value of almost any home in the U.S.

Not Available

ICE Mortgage Technology does not have data for the current month. Please view the chart for historical values.

First American

First American First American Data & Analytics’ next-generation AVM combines unrivaled data assets with a blended ensemble of valuation models to produce highly accurate, reliable valuations you can trust.

Not Available

First American does not have data for the current month. Please view the chart for historical values.

Quantarium

Quantarium Quantarium’s valuation service, repeatedly proven the industry’s most accurate and comprehensive, is supercharged with a self-learning and auto-tuning AI engine that continually becomes smarter and more accurate as it processes daily inputs from the industry’s leading RE data lake.

Not Available

Quantarium does not have data for the current month. Please view the chart for historical values.

Average Value
Not Available
List Price
Sold Price
Create a Home Valuation Report for This Property
The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area

Home Values in the Area

Source: Public Records

Average Home Value in this Area

Source: Public Records

Purchase History

Date Type Sale Price Title Company
Warranty Deed $200,000 First National Title
Warranty Deed $117,000 American Title Svcs Citrus C
Quit Claim Deed -- American Title Svcs Citrus C
Warranty Deed $132,500 Dba Crystal River Title
Warranty Deed $87,000 Crystal River Title Company
Deed $100 --
Deed $100 --
Deed $17,900 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Previous Owner $69,600 Purchase Money Mortgage
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
08/14/2025 08/14/25 Sold $200,000 -4.3% $176 / Sq Ft
08/02/2025 08/02/25 Pending -- -- --
07/28/2025 07/28/25 Price Changed $209,000 -2.3% $184 / Sq Ft
07/08/2025 07/08/25 Price Changed $214,000 -2.3% $188 / Sq Ft
06/03/2025 06/03/25 For Sale $219,000 +87.2% $192 / Sq Ft
03/01/2016 03/01/16 Sold $117,000 +0.1% $103 / Sq Ft View Prior Sale
01/31/2016 01/31/16 Pending -- -- --
01/08/2016 01/08/16 For Sale $116,900 -- $103 / Sq Ft
Source: REALTORS® Association of Citrus County

Tax History Compared to Growth

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $2,524 $158,769 $10,660 $148,109
2024 $2,421 $165,297 $9,930 $155,367
2023 $2,421 $167,345 $9,930 $157,415
2022 $2,117 $147,550 $9,930 $137,620
2021 $1,835 $119,173 $9,930 $109,243
2020 $1,765 $114,263 $9,930 $104,333
2019 $1,663 $106,708 $9,930 $96,778
2018 $1,519 $95,506 $6,710 $88,796
2017 $1,482 $90,994 $6,520 $84,474
2016 $650 $74,515 $7,590 $66,925
2015 $658 $73,997 $7,590 $66,407
2014 $671 $73,410 $11,475 $61,935
Source: Public Records

Agents Affiliated with this Home

  • Lindsey Cummins

    Seller's Agent in 2025

    Lindsey Cummins

    Century 21 J.W.Morton R.E.

    (352) 201-0099

    10 in this area

    130 Total Sales

    Lindsey Cummins
    Section Image

  • R

    Seller's Agent in 2016

    Ruth Frederick

    Century 21 J.W.Morton R.E.

    (352) 726-6668

    3 in this area

    39 Total Sales

    Ruth Frederick
    Section Image
See All Agents

Map

Source: REALTORS® Association of Citrus County

MLS Number: 845235

REALTORS® Association of Citrus County

APN: 19E-18S-14-0140-000E0-0040

Florida Citrus County Hernando 34442

3570 E Cove Park Trail, Hernando, FL

Sold

Detached

Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.

REALTORS® Association of Citrus County IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Information is deemed reliable but not guaranteed.

Nearby Homes