412 ELLA AVENUE, INVERNESS, FL, 34450
Pending10 days on marketListed Jul 24, 2026MLS #OM729144
About this home
412 ELLA AVENUE
See Realtor Remarks: Attention snowbirds and downsizers yearning for the perfect slice of waterfront heaven! This cozy, impeccably-renovated lakeside cottage compound offers the ultimate high-quality, low-maintenance lifestyle, making it your perfect seasonal escape or year-round base of relaxation. Its concrete block construction and terrazzo flooring are Florida gold standards for their coolness and strength. Absolutely everything here has been renovated and updated for you, all fully permitted and approved, so just sit back, put your feet up and enjoy. You're less than 2 miles from downtown Inverness restaurants, pubs, micro-brewery, grocery stores and gyms. Nestled on a beautifully manicured, roughly 1/3-acre lot, the property maximizes its prime location to provide front row views of spectacular sunrises and moonrises over the water, Space Coast rocket launches, and holiday fireworks. At the waterfront's edge sits the outdoor party lounge featuring natural wood shiplap walls, a live-edge deck rail, and a custom live-edge serving buffet with built-in firewood rack and an expansive paver patio. Step inside the main cottage to find a relaxed, mid-century modern coastal interior featuring updated energy-efficient vinyl windows, upgraded lighting, original terrazzo floors, and fresh wall texture and paint throughout. The combination family room and chef's kitchen is outfitted with an updated glass cooktop and oven, microwave hood and dishwasher, quartz countertops, a built-in wine bar, and custom woven window blinds. The spa-like bathroom features a solid wood sliding barn door and spacious glass-enclosed shower. Restful bedrooms include solid-wood entry doors and custom closet interiors. High-quality interior furnishings are negotiable. Completely rebuilt in 2024, the sunroom boasts a new roof and luxury vinyl tile wood flooring, with large windows, glass sliding doors, and a glass exterior door all offering beautiful lake views. Flanking the tall portico, the adjacent cottage/annex offers potential for up to 450 square feet of living space expansion as a future guest or mother-in-law suite or studio, with fresh interior and exterior paint, a charming window box, and painted concrete floors, houses laundry and workshop areas. Mechanical systems offer ultimate peace of mind with an updated 3-head mini-split HVAC system and hot water heater. The home's freshly-painted exterior is complemented by a new asphalt driveway, a flagstone pathway, Cypress trees, river rock beds, two new privacy fences. Located just two blocks from the "Rails to Trails" Withlacoochee Bike Path. Less than 2 miles to downtown Inverness restaurants, healthcare and professional services. Just 90 minutes to either Tampa or Orlando airports. Built with happiness for your happiness!
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
1,025
Sqft
0.32 ac
Lot size
1955
Year built
One
Levels
$341
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$2,756 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,756/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+70.9%
$/sqft vs Inverness actives
$341 vs $178
Days on market
10 vs 42 typical
Where $341/sqft sits among the 191 Inverness actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Inverness
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Inverness. See the full Inverness guide →
INVERNESS 34450 — neighborhood snapshot
Population
10,408
Median age
59.5
Median income
$48,955
Median home value
$210,200
Avg household
2.04
Households w/ children
604
For the school run
Citrus County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Inverness market
$235K → $265K
Inverness median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
90 of 191
Inverness actives have cut their price
Median sold price, Inverness, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 100% above the INVERNESS 34450 median. See the full Inverness market guide →
Paper trail
This home's history
Reality check
What actually sold near 412 ELLA AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$175,000
721 WINDY AVENUE
2 bd · 1 ba · 1,034 sqft · $169/sqft · 9 DOM
Sold · Oct ’25$140,000
2032 FOREST DRIVE UNIT 2032
2 bd · 2 ba · 1,040 sqft · $135/sqft · 25 DOM
Sold · Dec ’25$140,000
2058 FOREST DRIVE UNIT 4
2 bd · 2 ba · 1,040 sqft · $135/sqft · 722 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 412 ELLA AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 412 ELLA AVENUE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
412 ELLA AVENUE FAQs
What would the monthly payment be for 412 ELLA AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,756/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 412 ELLA AVENUE?+
The most recent tax bill on record (2025) was $4,564. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Inverness?+
At $350,000, this home is listed about 36% above the Inverness median of $258,250. The market section on this page shows how the area is trending.
Which schools are assigned to 412 ELLA AVENUE?+
Inverness Primary School (elementary), Citrus High School (high), Inverness Middle School (middle) — Citrus County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 J.W.MORTON R.E. · Wayne Buhler. MLS #OM729144.
IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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