$470,500
SOLD JAN 12, 2026

4787 E Rugby Trail Hernando, FL 34442

2 Beds
2 Baths
1,623 Sq Ft
20,909 Sq Ft Lot

Recently Sold

$290 Per Sq Ft

3% Below List Price

101 Days on Market

Highlights

  • Lake Front
  • Barn
  • Open Floorplan
  • Community Boat Dock
  • RV Access or Parking
  • Lake Privileges

About This Home

As of January 2026

Offering commanding views of the water from nearly every room, this stunning 2019 lakefront custom-built smart home offers a rare blend of luxury, functionality, and serene natural beauty. Designed with modern living in mind, the 2-bedroom, 2-bathroom residence features an open and split floor plan with cathedral ceilings and triple sliding doors that fill the space with natural light and showcase panoramic water views. The gourmet kitchen boasts soft-close wood cabinetry, quartz countertops, stainless steel appliances, an expansive island, under-cabinet and recessed lighting. The spacious primary suite boasting a lakefront view includes a tray ceiling, designer walk-in closet system and en-suite bath with a walk-in shower, while the guest bedroom enjoys its own lakefront view and custom closet system. Additional highlights include a spacious interior laundry room, security and Eero Wi-Fi systems. Outdoors, the property is equally impressive, featuring a 42’x12’ screened lanai with a Bullfrog hot tub overlooking the water, a BBQ area, a private dock accessed by a brick paved walkway, and lush landscaping adorned with a variety of fruit trees. The fenced yard is secured by an electric gate, offering privacy and peace of mind, a 2-car garage, high-performance water filtration and conditioning system with housing, a CAT 2-rated 16’x30’ RV carport equipped with 50-amp service and water hookup—perfect for a Class A motorhome, and a 10’x10’ CAT 2-rated Hardy board shed providing additional storage to free your garage of lawn equipment. With premium finishes throughout the interior and exterior, this one-of-a-kind home combines smart technology, comfort, and waterfront tranquility in perfect harmony. A detailed list of upgrades is available upon request.....be sure to schedule your tour of paradise quickly!

Last Agent to Sell the Property

Tomika Spires-Hanssen

Keller Williams Realty - Elite Partners II License #696338 Listed on: 09/05/2025

Keller Williams Realty - Elite Partners II

Co-Listed By

Kimberly Mkhwane

Keller Williams Realty - Elite Partners II License #3187443

Last Buyer's Agent

Lawrence Redding

Keller Williams Realty - Elite Partners II License #3605732

Keller Williams Realty - Elite Partners II

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $2,580

Year Built

  • Built in 2019

Lot Details

  • 0.48 Acre Lot
  • Lot Dimensions are 109x157
  • Lake Front
  • Property fronts a county road
  • Home has East and West Exposure
  • Privacy Fence
  • Vinyl Fence
  • Wood Fence
  • Electric Fence
  • Wire Fence
  • Rectangular Lot
  • Sprinkler System
  • Landscaped with Trees
  • Property is zoned CLR

Parking

  • 2 Car Attached Garage
  • Detached Carport Space
  • Parking Pad
  • Brick Driveway
  • RV Access or Parking

Home Design

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

Interior Spaces

  • 1,623 Sq Ft Home
  • 1-Story Property
  • Open Floorplan
  • Tray Ceiling
  • Cathedral Ceiling
  • Recessed Lighting
  • Double Pane Windows
  • Blinds
  • Sliding Doors
  • Wood Flooring
  • Lake Views
  • Home Security System
  • Laundry Room

Kitchen

  • Eat-In Kitchen
  • Oven
  • Range
  • Built-In Microwave
  • Dishwasher
  • Solid Surface Countertops
  • Solid Wood Cabinet

Bedrooms and Bathrooms

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

Outdoor Features

  • Docks
  • Lake Privileges
  • Exterior Lighting
  • Shed
  • Rain Gutters

Schools

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

Farming

  • Barn

Utilities

  • Central Air
  • Heat Pump System
  • Programmable Thermostat
  • Well
  • Water Heater
  • Water Purifier
  • Water Purifier is Owned
  • Water Softener is Owned
  • Septic Tank
  • High Speed Internet

Community Details

Overview

  • No Home Owners Association

Recreation

  • Community Boat Dock

Home Details

Home Type

Single Family

Est. Annual Taxes

$2,580

Year Built

Built in 2019

Lot Details

0.48 Acres

Parking

2

Listing Details

  • Architectural Style: Contemporary, One Story
  • Carport Y N: Yes
  • Co List Office Phone: (352) 419-0200
  • Directions: Turn right onto N Florida Ave. Turn right onto E Parsons Point Rd and then left onto N Howe Terrace. Turn left onto E Ruby trail, follow around the corner, home is the second on the right.
  • Water Frontage Type: Lakefront, Waterfront
  • Garage Yn: Yes
  • Unit Levels: One
  • Lot Size Acres: 0.48
  • Lot Size: 109x157
  • New Construction: No
  • Property Sub Type: Single Family Residence
  • Property Sub Type Additional: Single Family Residence
  • Prop. Type: Residential
  • Road Frontage Type: County Road
  • Road Surface Type: Unimproved
  • Building Stories: 1
  • Subdivision Name: Not on List
  • Year Built: 2019
  • Exposures: East
  • Special Features: None
  • Stories: 1

Interior Features

  • Appliances: Dishwasher, Microwave Hood Fan, Microwave, Oven, Water Purifier Owned, Range, Refrigerator, Water Softener Owned, Water Heater, Water Purifier
  • Full Bathrooms: 2
  • Total Bedrooms: 2
  • Door Features: Sliding Doors
  • Flooring: Tile, Wood
  • Interior Amenities: Tray Ceiling(s), Cathedral Ceiling(s), Eat-in Kitchen, High Ceilings, Primary Suite, Open Floorplan, Split Bedrooms, Shower Only, Solid Surface Counters, Separate Shower, Walk-In Closet(s), Wood Cabinets, Window Treatments, Programmable Thermostat, Sliding Glass Door(s)
  • Living Area: 1623.0
  • Window Features: Blinds, Double Pane Windows

Exterior Features

  • Construction Type: Stucco
  • Direction Faces: West
  • Exterior Features: Sprinkler/Irrigation, Landscaping, Lighting, Rain Gutters, Brick Driveway, Concrete Driveway
  • Fencing: Electric, Mixed, Privacy, Vinyl, Wood, Wire
  • Foundation Details: Block, Slab
  • Lot Features: Rectangular, Trees
  • Other Structures: Barn(s), Shed(s)
  • Pool Features: None
  • Roof: Asphalt, Shingle
  • View: Lake, Water
  • View: Yes
  • Waterfront Features: Boat Dock/Slip, Lake Privileges, Lake Front, Waterfront
  • Waterfront: Yes

Garage/Parking

  • Attached Garage: Yes
  • Garage Spaces: 2.0
  • Parking Features: Attached, Concrete, Detached Carport, Driveway, Garage, Parking Pad, RV Access/Parking
  • Total Parking Spaces: 4.0

Utilities

  • Cooling: Central Air
  • Cooling Y N: Yes
  • Heating: Heat Pump
  • Heating Yn: Yes
  • Laundry Features: Laundry - Living Area
  • Security: Security System
  • Sewer: Septic Tank
  • Utilities: High Speed Internet Available
  • Water Source: Well

Condo/Co-op/Association

  • Association: No
  • Community Features: Dock
  • Senior Community: No

Schools

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

Lot Info

  • Additional Parcels: No
  • Lot Size Sq Ft: 20693.0
  • Zoning: CLR

Tax Info

  • Tax Annual Amount: 2579.89
  • Tax Year: 2025

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Sep 5, 2025
Closed on
Jan 12, 2026
Sold by
Nanry Dori and Nanry Dorlaine
Bought by
Gray Frank Edward and Gray Barbara Anne
Seller's Agent
Tomika Spires-Hanssen
Keller Williams Realty - Elite Partners II
Buyer's Agent
Lawrence Redding
Keller Williams Realty - Elite Partners II
List Price
$485,000
Sold Price
$470,500
Premium/Discount to List
-$14,500
-2.99%
Views
60

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
12.04%

Purchase Details

Closed on
Jun 4, 2020
Sold by
Nanry William and Nanry Dori
Bought by
Nanry Living Trust

Purchase Details

Closed on
May 9, 2018
Sold by
Nanry William and Gregg Kalthleen A
Bought by
Nanry William and Nanry Dori

Purchase Details

Closed on
Aug 19, 2003
Sold by
Wishart Jeannette A
Bought by
Gage Kathleen A

Purchase Details

Closed on
Aug 1, 2003
Bought by
Gage Kathleen A

Purchase Details

Closed on
Apr 16, 2002
Sold by
Hauter Lorra J
Bought by
Gage Kathleen A
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 $470,500 Red Door Title
Interfamily Deed Transfer -- None Available
Warranty Deed $50,000 American Title Services
Quit Claim Deed -- --
Deed $100 --
Deed -- --
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
01/12/2026 01/12/26 Sold $470,500 -3.0% $290 / Sq Ft
12/15/2025 12/15/25 Pending -- -- --
09/05/2025 09/05/25 For Sale $485,000 -- $299 / 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 $2,454 $206,190 -- --
2024 $2,391 $200,379 -- --
2023 $2,391 $194,543 $0 $0
2022 $2,234 $188,877 $0 $0
2021 $2,141 $183,376 $0 $0
2020 $1,991 $174,621 $28,500 $146,121
2019 $556 $37,420 $31,330 $6,090
2018 $945 $57,398 $31,330 $26,068
2017 $997 $59,524 $36,610 $22,914
2016 $978 $56,050 $36,610 $19,440
2015 $1,002 $56,416 $36,630 $19,786
2014 $995 $54,080 $35,999 $18,081
Source: Public Records

Agents Affiliated with this Home

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Map

Source: REALTORS® Association of Citrus County

MLS Number: 847202

REALTORS® Association of Citrus County

APN: 19E-18S-24-0000-21430

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