6670 S MERLEING LOOP, Floral City, FL, 34436 | $495,000

One or more photo(s) has been virtually staged. Price refinement creates an exceptional opportunity!!Welcome to a rare and graceful lakefront residence, set on a private peninsula where tranquil waters surround the property on three sides. With wide-open views across a natural chain of lakes and a backdrop of towering cypress trees, this home offers the quiet beauty of country living paired with the comfort and dignity of a well-built, well-cared-for home.
The exterior has been thoughtfully updated with notable improvements, including a Newer Roof (2021), New Upgraded Windows, a Resurfaced Dock, a New Driveway, a New Carport and a New Irrigation System. A huge backyard is completely fenced in with plenty of room for play. Inside, the home features New LVP in the Living room and Kitchen with Brand New Stainless Steel Appliances, a Remodeled Shower in the Primary Bathroom, Five New Individual Mini-split Units throughout—allowing each bedroom, the dining room, the living room and the office/den to have personalized climate control. It’s the kind of smart, understated luxury that simply makes life easier. Flood insurance is only $579 a year!

Though the property feels peaceful and secluded, it remains connected to modern conveniences with public water and reliable high-speed internet. The daily comforts of home blend seamlessly with the calm of nature here. Every bedroom and the main living areas capture the lake from nearly every direction, creating spectacular views of this absolutely beautiful lake throughout the day and into the night. By the shoreline, a stone fire pit invites you to linger a little longer outdoors. It’s the kind of spot where laughter carries easily across the water.
What truly sets this property apart is its spirit: a place that feels like home the moment you arrive. A place where neighbors still wave, and life slows down just enough to enjoy each season. The friendly neighbors hold frequent social events especially in the winter months as many of them have owned homes here for decades. The street is a loop with one way in and one way out and many walk the loop in the evening for exercise and social time! It's only 5 miles to the town of Inverness so this property strikes the perfect balance of privacy and accessibility. The Withlacoochee State Trail is here for your enjoyment of biking, running or walking. For the hiking enthusiasts, you have popular Citrus Tract Loop A, Whispering Pines City Park: Yellow Trail, Citrus Tract Loop D, Sandhill Loop, and Floral Park! There is also worth mentioning Potts Preserve, Flying Eagle Preserve, Fort Cooper State Park, Half Moon WMA, Citrus WMA, Withlacoochee State Forest, Whispering Pines City Park, Crystal River and Rainbow River! There is just so much nature to enjoy!
Properties of this caliber, with this setting and value, are seldom found—particularly lakefront homes of this kind. This is a chance to own not just a home, but a lifestyle that is fast disappearing: peaceful, welcoming, and serene.

Come see for yourself. You may find that you’ve been dreaming of this place for a very long time.

Features

  • Rooms: 3
  • Bedrooms: 2
  • Baths: 2 full
  • Lot Size: 119 x 153
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
  • Year Built: 1979
  • Garage: Driveway
  • Heating: Reverse Cycle
  • Cooling: Mini-Split Unit(s)
  • Approx Sq. Feet: 1,454
  • Acreage: 0.61
  • Lot Size: 119 x 153
  • Est. Taxes: $1,736
  • Lot Desc: Cleared, Flood Insurance Required, FloodZone, In County, Oversized Lot
  • View: Water
  • Elem. School: Floral City Elementary School
  • Middle School: Inverness Middle School
  • High School: Citrus High School
  • Pet Policy: Yes
  • Appliances: Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: W7881054
  • Days on Market: 57 days
  • Website: https://www.raveis.com
    /prop/W7881054/6670smerleingloop_floralcity_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 2/13/2026 10:47:08 PM)
Listing courtesy of COLDWELL BANKER FIGREY&SONRES   Phone: 727-495-2424

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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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6670 S MERLEING LOOP, Floral City, FL, 34436

$495,000

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 $396,000 $396,000 $396,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.375% 5.990% 5.125%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.137% 6.132% 5.396%
Monthly Tax Payment $145 $145 $145
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,217 $2,372 $3,157
Total Monthly Payment $2,437 $2,592 $3,377

* 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.