
6409 E RIVER ROAD, HERNANDO, FL, 34442
Active1 days on marketListed Aug 7, 2026MLS #OM729902
About this home
6409 E RIVER ROAD
THREE WATERFRONT PARCELS. APPROXIMATELY 302 FEET ON THE WITHLACOOCHEE RIVER. ONE INCREDIBLE OPPORTUNITY! Offered together, 6405 E River Road, 6409 E River Road, and 6427 E Werner Court create a rare stretch of waterfront in Hernando with room to bring your vision to life. Whether you are dreaming of a private Nature Coast getaway, a weekend retreat, or a multi-generational family compound with separate homes and shared gathering spaces, these three adjoining parcels offer possibilities that are increasingly hard to find. An important advantage is the existing infrastructure. 6409 E River Road has electric, well, and septic already in place, while 6427 E Werner Court has an existing septic system. Impact fees are not required for either 6409 E River Road or 6427 E Werner Court, potentially providing substantial savings compared with starting from completely unimproved land. Enjoy over 300 feet of frontage along the scenic Withlacoochee River - perfect for fishing, kayaking, boating, wildlife watching, or simply relaxing along the water beneath Florida’s natural canopy. Create one expansive private riverfront escape or design a retreat where family and friends can each enjoy their own space while still gathering together along the river. Three adjoining waterfront parcels, approximately 302 feet of river frontage, valuable existing infrastructure, and the natural beauty of the Withlacoochee River combine to create a truly unique opportunity. Bring your plans, your kayaks, and your fishing poles - your Florida river retreat is waiting!
Facts & features
The home at a glance
1.94 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 — not generic estimates.
$931 /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
$931/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.
The investor lens
Two ways this home pays
This home sits inside Orange Tree, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,150/mo median
Live Hernando rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Orange Tree
Orange Tree is a short-term-rental community. See the full guide →
HERNANDO 34442 — neighborhood snapshot
Population
16,356
Median age
65.7
Median income
$55,473
Median home value
$295,900
Avg household
2.03
Households w/ children
868
For the school run
Citrus County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Hernando market
$326K → $340K
Hernando median sold, yr/yr
95.0%
Sale-to-list ratio (12 mo)
Median sold price, Hernando, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 62% below the HERNANDO 34442 median. See the full Hernando market guide →
Paper trail
This home's history
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
Brittany Huey
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 6409 E RIVER ROAD — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6409 E RIVER ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Brittany's phone and CRM.
Straight answers
6409 E RIVER ROAD FAQs
What would the monthly payment be for 6409 E RIVER ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $931/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 6409 E RIVER ROAD?+
The most recent tax bill on record (2025) was $1,907. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 6409 E RIVER ROAD be rented short-term?+
Yes — this home sits inside Orange Tree, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 6409 E RIVER ROAD?+
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 Hernando?+
At $96,777, this home is listed about 74% below the Hernando median of $379,500. The market section on this page shows how the area is trending.
Which schools are assigned to 6409 E RIVER ROAD?+
Hernando Elementary School (elementary), Citrus Springs Middle School (middle), Lecanto High School (high) — Citrus County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the HERNANDO 34442 market on paper
$96,777 is 62% below the HERNANDO 34442 median of $255,000.
02Zoned for nightly rentals
Orange Tree is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
04Fresh on the market
Only 1 day on market in a Hernando market that averages 53 — if it fits, move quickly.
Listing courtesy of EPIQUE REALTY INC. · Tamara Mayer. MLS #OM729902.
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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