5269 S JAMES TERRACE, Homosassa, FL, 34448 | $225,900

Welcome to this beautifully maintained 3-bedroom, 2-bath home located in the heart of Old Homosassa—just minutes from waterfront access, the river, and the local marina where you can launch your boat or rent one for a day on the water. Despite its close proximity to the river, this home has never flooded, offering peace of mind during Florida’s storm seasons. It also features a Generac whole-house generator for added security during power outages. Upgraded double-pane windows improve efficiency, and the interior and exterior have been freshly painted. Inside, you’ll find laminate flooring throughout, with ceramic tile in the laundry and back bathroom, as well as new ceiling fans, light fixtures, and a brand-new water heater—making the home completely move-in ready. Step into a cozy living room/sitting area, then down into a spacious family room with a wood-burning fireplace. The galley kitchen is open on both ends, connecting the living room and dining area, creating a bright and open feel. A split-bedroom floor plan offers privacy, with two bedrooms and a full bath off the hallway, and a third bedroom located just off the kitchen. There is also a large walk-in pantry/storage room for added convenience. A second full bath is located in the rear of the home near the laundry area. Additional features include central HVAC throughout the main house (with a new window unit for better temperature control in the pantry/laundry area), a carport that could easily be enclosed, and a dining room with Florida Room-style windows that provide views of the backyard. The backyard includes a concrete pad that could be used for a shed, patio, or future outdoor space. A propane tank services the generator and can also be used for optional propane heating, thanks to built-in heaters in the home. This home offers a rare combination of charm, comfort, and resilience. Whether you're looking for a full-time residence, seasonal retreat, or investment opportunity, this property in Old Homosassa is clean, updated, and ready for its next chapter.

Features

  • Rooms: 10
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Laundry Room
  • Year Built: 1965
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,656
  • Acreage: 0.2
  • Est. Taxes: $1,766
  • Lot Desc: FloodZone
  • Elem. School: Homosassa Elementary School
  • Middle School: Crystal River Middle School
  • High School: Crystal River High School
  • Appliances: Convection Oven, Dishwasher, Electric Water Heater, Microwave
  • MLS#: OM705769
  • Days on Market: 152 days
  • Website: https://www.raveis.com
    /prop/OM705769/5269sjamesterrace_homosassa_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 1/10/2026 7:17:09 PM)
Listing courtesy of TROTTER REALTY   Phone: 352-628-2410

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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5269 S JAMES TERRACE, Homosassa, FL, 34448

$225,900

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $180,720 $180,720 $180,720
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 5.990% 5.125%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.285% 6.132% 5.415%
Monthly Tax Payment $147 $147 $147
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,026 $1,082 $1,441
Total Monthly Payment $1,248 $1,304 $1,663

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.