$290,000
SOLD MAR 20, 2026

3955 E Arbor Lakes Dr Hernando, FL 34442

3 Beds
2 Baths
1,836 Sq Ft
7,405 Sq Ft Lot

Recently Sold

$158 Per Sq Ft

11% Below List Price

55 Days on Market

Highlights

  • Lake Front
  • Community Boat Facilities
  • RV Access or Parking
  • Docks
  • Fitness Center
  • Active Adult

About This Home

As of March 2026

Welcome to your dream home in the highly desirable Arbor Lakes, an exclusive 55+ waterfront community. This beautiful, move-in-ready residence offers everything you’ve been looking for luxury, comfort, and a relaxed lifestyle. As you approach the home, you’ll be greeted by stunning curb appeal with a paver driveway and walkway leading up to the inviting covered front porch. The exterior is further enhanced with gutters and a professionally maintained irrigation system. Step inside to the foyer, which flows seamlessly into the spacious, open living area. The kitchen is a chef’s delight, featuring crisp white shaker cabinets, elegant white quartz countertops, a convenient breakfast bar, and a pantry for all your storage needs. From the dining and family rooms, enjoy views of the lake, with easy access to two sun porches through sliding glass doors, perfect for soaking in the Florida sunshine. The master suite is a true retreat, offering a walk-in closet, a modern bath with a shower, and private access to the sunroom through its own slider. On the guest side of the home, you'll find a thoughtful design that ensures privacy. A bedroom with a Murphy bed (which conveys with the home), plus another bedroom that leads to its own guest sunroom through sliders. This side of the house also features a door that can close off the area, offering your guests the ultimate comfort and privacy. Throughout the home, you’ll love the elegant plantation shutters and luxury vinyl plank flooring that give the space a coastal vibe. The home is bathed in natural light, making it feel bright and airy. The spacious laundry room includes a large storage closet, a utility sink, and a washer and dryer that convey with the home. Recent updates include a 2023 HVAC system, 2024 garage door opener, new light fixtures, and more, so all you need to do is move in! The Arbor Lakes community offers an array of amenities, including direct access to the lake with a private boat ramp, tennis courts, shuffleboard, a community pool, fitness center, and a clubhouse with social events. For an additional fee, RV and boat storage is available within the community, perfect for outdoor enthusiasts. With low HOA fees of just $515 per quarter, covering cable, Wi-Fi, trash, and recycling, this home provides the perfect combination of ease and luxury. Schedule your tour today!

Last Agent to Sell the Property

Laurie Callahan

Century 21 J.W.Morton R.E. License #3364331 Listed on: 12/31/2025

Century 21 J.W.Morton R.E.

Last Buyer's Agent

Lindsey Cummins

Century 21 J.W.Morton R.E. License #3336257

Century 21 J.W.Morton R.E.

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $989

Year Built

  • Built in 1994

Lot Details

  • 7,200 Sq Ft Lot
  • Lake Front
  • Property fronts a private road
  • Landscaped
  • Level Lot
  • Sprinkler System
  • Property is zoned PDR

HOA Fees

  • $172 Monthly HOA Fees

Parking

  • 2 Car Attached Garage
  • Garage Door Opener
  • Driveway
  • RV Access or Parking

Home Design

  • Block Foundation
  • Shingle Roof
  • Asphalt Roof
  • Stucco

Interior Spaces

  • 1,836 Sq Ft Home
  • 1-Story Property
  • Open Floorplan
  • Plantation Shutters
  • Luxury Vinyl Plank Tile Flooring
  • Water Views

Kitchen

  • Breakfast Bar
  • Dishwasher

Bedrooms and Bathrooms

  • 3 Bedrooms
  • Split Bedroom Floorplan
  • Walk-In Closet
  • 2 Full Bathrooms
  • Shower Only
  • Separate Shower

Laundry

  • Laundry Room
  • Washer
  • Laundry Tub

Outdoor Features

  • Docks
  • Rain Gutters

Schools

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

Utilities

  • Central Air
  • Heat Pump System
  • Underground Utilities
  • Water Heater

Community Details

Overview

  • Active Adult
  • Association fees include cable TV, high speed internet, pool(s), trash
  • Arbor Lakes Association, Phone Number (352) 812-8086
  • Arbor Lakes Subdivision

Amenities

  • Clubhouse
  • Community Kitchen

Recreation

  • Community Boat Facilities
  • Tennis Courts
  • Shuffleboard Court
  • Fitness Center
  • Community Pool

Security

  • Gated Community

Home Details

Home Type

Single Family

Est. Annual Taxes

$989

Year Built

Built in 1994

Lot Details

7,200 Sq Ft Lot

HOA Fees

$172 per month

Parking

2

Listing Details

  • Architectural Style: One Story
  • Carport Y N: No
  • Directions: From Main Street in Inverness, head West towards Independence Hwy where you will take R, left onto N Florida Ave, slight right onto FL-200, turn right onto E Arbor Lakes Drive, go through the gate, continue straight, property is the second to the last home on the left.
  • Water Frontage Type: Lakefront
  • 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
  • Road Surface Type: Paved
  • Building Stories: 1
  • Subdivision Name: Arbor Lakes
  • Year Built: 1994
  • Special Features: None
  • Stories: 1

Interior Features

  • Appliances: Dishwasher, Refrigerator, Water Heater, Washer
  • Full Bathrooms: 2
  • Total Bedrooms: 3
  • Flooring: Luxury Vinyl Plank, Tile
  • Interior Amenities: Breakfast Bar, Primary Suite, Open Floorplan, Pantry, Split Bedrooms, Shower Only, Separate Shower, Walk-In Closet(s)
  • Living Area: 1836.0

Exterior Features

  • Construction Type: Stucco
  • Exterior Features: Sprinkler/Irrigation, Landscaping, Rain Gutters, Paved Driveway
  • Foundation Details: Block
  • Lot Features: Flat
  • Pool Features: None, Community
  • Roof: Asphalt, Shingle
  • View: Water
  • Waterfront Features: Lake Front

Garage/Parking

  • Attached Garage: Yes
  • Garage Spaces: 2.0
  • Parking Features: Attached, Driveway, Garage, Paved, Boat, Garage Door Opener, RV Access/Parking
  • Total Parking Spaces: 2.0

Utilities

  • Cooling: Central Air, Electric
  • Cooling Y N: Yes
  • Heating: Heat Pump
  • Heating Yn: Yes
  • Laundry Features: Laundry - Living Area, Laundry Tub
  • Security: Gated Community
  • Sewer: Public Sewer
  • Utilities: Underground Utilities
  • Water Source: Public

Condo/Co-op/Association

  • Association Fee: 515.0
  • Association Fee Frequency: Quarterly
  • Association Name: Arbor Lakes
  • Phone: 352-812-8086
  • Association: Yes
  • Community Features: Boat Facilities, Clubhouse, Community Pool, Fitness, Kitchen Facilities, Shuffleboard, Sidewalks, Tennis Court(s), Gated
  • Pets Allowed: Pet Restrictions
  • Senior Community: Yes

Fee Information

  • Association Fee Includes: Cable TV, High Speed Internet, Pool(s), Trash

Schools

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

Lot Info

  • Lot Size Sq Ft: 7200.0
  • Zoning: PDR

Tax Info

  • Tax Annual Amount: 988.51
  • Tax Year: 2025

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Jan 15, 2024
Closed on
Jul 25, 2024
Sold by
Martinson William D and Smith Christine C
Bought by
Riva David M and Dubois-Riva Amy J
Seller's Agent
Christine Smith
ERA American Suncoast Realty
Buyer's Agent
Laurie Callahan
Century 21 J.W.Morton R.E.
List Price
$299,999
Sold Price
$290,000
Premium/Discount to List
-$9,999
-3.33%
Views
151

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
5.13%

Purchase Details

Closed on
Feb 8, 2022
Sold by
Ptak-Brownlee Susan G
Bought by
Martinson William D and Martinson Christine C

Purchase Details

Closed on
Oct 22, 2021
Sold by
Ptak Brownlee Susan Gay Le and Vernon R Townsend Living Trust
Bought by
Ptak Browniee Susan G

Purchase Details

Closed on
Oct 21, 2011
Sold by
Townsend Vernon R
Bought by
Townsend Vernon R and Vernon R Townsend Living Trust

Purchase Details

Closed on
Feb 1, 1994
Bought by
Townsend Vernon R
Source: Public Records
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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 $290,000 American Title Services
Warranty Deed $275,000 American Title Services
Deed Of Distribution -- Attorney
Interfamily Deed Transfer -- Attorney
Deed $22,500 --
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
03/20/2026 03/20/26 Sold $290,000 -6.4% $158 / Sq Ft
02/24/2026 02/24/26 Pending -- -- --
02/23/2026 02/23/26 Price Changed $309,900 -1.6% $169 / Sq Ft
01/27/2026 01/27/26 Price Changed $314,900 -3.1% $172 / Sq Ft
12/31/2025 12/31/25 For Sale $324,900 +12.0% $177 / Sq Ft
07/26/2024 07/26/24 Sold $290,000 -3.3% $158 / Sq Ft View Prior Sale
06/22/2024 06/22/24 Pending -- -- --
05/31/2024 05/31/24 For Sale $299,999 0.0% $163 / Sq Ft
05/24/2024 05/24/24 Pending -- -- --
05/07/2024 05/07/24 For Sale $299,999 0.0% $163 / Sq Ft
04/29/2024 04/29/24 Pending -- -- --
03/26/2024 03/26/24 Price Changed $299,999 -6.2% $163 / Sq Ft
02/26/2024 02/26/24 Price Changed $319,900 -1.6% $174 / Sq Ft
01/29/2024 01/29/24 Price Changed $325,000 -4.1% $177 / Sq Ft
01/15/2024 01/15/24 For Sale $339,000 -- $185 / Sq Ft
Source: REALTORS® Association of Citrus County

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 $3,301 $180,518 -- --
2024 $1,947 $212,663 $9,830 $202,833
2023 $1,947 $161,112 $0 $0
2022 $2,898 $190,669 $9,830 $180,839
2021 $972 $98,148 $0 $0
2020 $925 $144,009 $9,830 $134,179
2019 $908 $133,444 $9,830 $123,614
2018 $876 $113,472 $6,620 $106,852
2017 $867 $90,943 $6,430 $84,513
2016 $871 $89,072 $7,490 $81,582
2015 $878 $88,453 $7,490 $80,963
2014 $892 $87,830 $11,482 $76,348
Source: Public Records

Agents Affiliated with this Home

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Map

Source: REALTORS® Association of Citrus County

MLS Number: 850946

REALTORS® Association of Citrus County

APN: 19E-18S-14-0140-000N0-0160

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