11972 W RIVERHAVEN DRIVE, Homosassa, FL, 34448 | $929,900

*****Insurance****** This home has not flooded in any of the recent storms. Current flood insurance is $1100 annually, offering a significant advantage compared to many nearby properties facing substantially higher premiums exceeding $10K a year. *****
**Recently repositioned to reflect current market conditions, this property presents an exceptional value opportunity in Homosassa. **

Discover this custom-built Joe Flynn residence offering timeless craftsmanship and modern updates, perfectly positioned with direct access to the Homosassa River and The Gulf. Built in 2007 on an engineered foundation with 67 pilings, this 3-bedroom, 3-bath, plus office, single-story home spans 3, 281 sq. ft. and combines elegance with durability.
Step through the double-door entry into a freshly painted interior enhanced by plantation shutters, coffered ceilings, arched doorways, crown molding, and 6-panel doors. Every bedroom features a walk-in closet with built-in organizers, and each bath offers generous linen storage and corian countertops. The office showcases floor-to-ceiling built-ins, while stained-glass accents in the bathrooms add unique artistry.
The chef’s kitchen impresses with quartz countertops (2021), high-end appliances (2019), a spacious island, and abundant cabinetry. Gather in the Florida room with its indoor grill, bar, sink, and solar shades—perfect for entertaining year-round. A propane fireplace adds warmth and character to the living room.
Recent upgrades include a new A/C (2022), 22kW whole-house generator (2021), fresh paint (2021), and new carpet (2021), ensuring comfort and peace of mind. Technology is integrated throughout with a security system, surround sound, and built-in speakers.
Outdoors, enjoy a two-car garage, with a custom tool bench, 9, 000-lb boat lift, brick paver patio, beautiful landscaping , fish cleaning station and brick fire pit facing the water—an angler’s dream setup.

Ideally located near the water, marinas, restaurants, and outdoor recreation, this waterfront retreat offers the best of Florida's Nature Coast Lifestyle-with the added benefit of never flooding and its just a short boat ride away from the Gulf. Combined with its location, exceptional condition, and carrying costs, this property stands out as a rare and compelling value in today's market.

Features

  • Amenities: Clubhouse, Pool, Tennis Court(s)
  • Rooms: 8
  • Bedrooms: 3
  • Baths: 3 full
  • Lot Size: 100 x 120
  • Laundry: Laundry Room
  • Style: Mediterranean
  • Year Built: 2007
  • Garage: 2-car Garage Door Opener
  • Heating: Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 3,281
  • Acreage: 0.27
  • Lot Size: 100 x 120
  • Est. Taxes: $8,524
  • HOA Fee: $165 Annually
  • View: Water
  • Water Front: Yes
  • Elem. School: Homosassa Elementary School
  • Middle School: Crystal River Middle School
  • High School: Crystal River High School
  • Pet Policy: Cats OK, Dogs OK
  • Appliances: Dishwasher, Dryer, Indoor Grill, Microwave, Range, Range Hood, Refrigerator, Washer, Water Filtration System, Water Purifier
  • MLS#: TB8426099
  • Days on Market: 257 days
  • Website: https://www.raveis.com
    /eprop/TB8426099/11972wriverhavendrive_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 5/30/2026 11:17:18 AM)
Listing courtesy of Amo Realty   Phone: 617-247-1933

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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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11972 W RIVERHAVEN DRIVE, Homosassa, FL, 34448

$929,900

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 Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $743,920 $743,920 $743,920
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.125% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.350% 6.259% 6.183%
Monthly Tax Payment $710 $710 $710
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $4,460 $4,520 $6,278
Total Monthly Payment $5,262 $5,322 $7,080

* 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.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.