3897 SOUTHERN VALLEY LOOP, BROOKSVILLE, FL, 34601
Active507 days on marketListed Mar 5, 2025MLS #TB8358120
About this home
3897 SOUTHERN VALLEY LOOP
One of the largest lots in Southern Hills currently on the market AND on the Golf Course! 0.44 acre! Incredible opportunity to own a lot in Southern Hills on the 11th HOLE! Not only does this lot have amazing direct golf course views, but it also has a pond behind it and a conservation across the course! Sitting just under a half acre, this lot is ready for its new owner. Come build your dream home and pick your builder! The distinguished community of Southern Hills consists of one of the top Golf Courses in Florida designed by Pete Dye with over 250 feet of elevation, a resort style pool, Har-Tru tennis courts, a brand new poolside bar and cafe, a high end clubhouse that includes a restaurant, bar, event space, and PGA Pro Shop, and so much more!
Facts & features
The home at a glance
0.44 ac
Lot size
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 and the real association fee — not generic estimates.
$1,873 /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
$1,873/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.
Where it sits
Inside Southern Hills Plantation
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Brooksville. See the full Brooksville guide →
Southern Hills Plantation — neighborhood snapshot
Population
443
Median age
60
Median income
$85,714
Median home value
$369,900
Avg household
2
Households w/ children
9%
For the school run
Hernando County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Brooksville market
$303K → $326K
Brooksville median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
Median sold price, Brooksville, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 40% below the BROOKSVILLE 34601 median. See the full Brooksville market guide →
Paper trail
This home's history
Reality check
What actually sold near 3897 SOUTHERN VALLEY LOOP
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$405,000
19410 FOREST GARDEN COURT · same community
2 bd · 2 ba · 1,959 sqft · $207/sqft · 19 DOM
Sold · May ’26$419,000
19432 FOREST GARDEN COURT · same community
3 bd · 2.5 ba · 2,092 sqft · $200/sqft · 75 DOM
Sold · May ’26$442,490
19441 FOREST GARDEN COURT · same community
3 bd · 3 ba · 2,166 sqft · $204/sqft · 49 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 3897 SOUTHERN VALLEY LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3897 SOUTHERN VALLEY LOOP — 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
3897 SOUTHERN VALLEY LOOP FAQs
What would the monthly payment be for 3897 SOUTHERN VALLEY LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,873/mo — principal and interest, the actual property-tax bill, the $119/mo association fee 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.
How much are the HOA fees at 3897 SOUTHERN VALLEY LOOP?+
The association fee works out to $119 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3897 SOUTHERN VALLEY LOOP?+
The most recent tax bill on record (2024) was $2,045. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 3897 SOUTHERN VALLEY LOOP?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Brooksville?+
At $225,000, this home is listed about 33% below the Brooksville median of $335,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3897 SOUTHERN VALLEY LOOP?+
Moton Elementary School (elementary), D. S. Parrott Middle School (middle) — Hernando County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the BROOKSVILLE 34601 market on paper
$225,000 is 40% below the BROOKSVILLE 34601 median of $375,000.
02Golf Course views
The golf course view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
507 days on market against a Brooksville median of 45 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $250,000, now $225,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of JT REALTY & ASSOCIATES · Jessie Morris. MLS #TB8358120.
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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